Hart Lake Auto Insurance Rates, Quotes, Agents & Reviews in MN

Hart Lake, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hart Lake, MN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Hart Lake, MN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Hart Lake, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Hart Lake, MN with that of other cities in and around Hart Lake.

Hart Lake Farden Pike Bay Laporte Lakeport Guthrie
Average Insurance Rates $1,653 $1,283 $1,978 $1,608 $1,304 $1,286

Hart Lake, MN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Hart Lake, MN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Hart Lake $1,315 $1,111
Laporte $1,284 $1,085
Guthrie $1,285 $1,086
Wilkinson $1,539 $1,300
Farden $1,655 $1,398
Lakeport $1,148 $970
Pike Bay $1,263 $1,067
Leech Lake $1,467 $1,239

Hart Lake, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Hart Lake, MN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,364
20 Years $2,124
30 Years $1,636
40 Years $1,574
50 Years $1,458
60 Years $1,478
70 Years $1,720

Hart Lake, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Hart Lake, MN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,810 $496
3 Vehicles $4,215 $744
4 Vehicles $5,620 $992

Savings on 2 Vehicles bundle:$496

Savings on 3 Vehicles bundle:$744

Savings on 4 Vehicles bundle:$992


Hart Lake, MN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hart Lake, MN.

Location Average Insurance Cost Post DUI Insurance Rate
Hart Lake $1,653 $3,018
Laporte $1,608 $2,936
Guthrie $1,286 $2,348
Wilkinson $1,284 $2,344
Farden $1,283 $2,342
Lakeport $1,304 $2,381
Pike Bay $1,978 $3,611
Leech Lake $1,422 $2,596

Hart Lake, MN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,418
Excellent (740-799) $1,619
Good (670-739) $1,722
Average (580-669) $2,247
Poor (300-579) $2,696

Hart Lake, MN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Insurance Brokers Of Mn Inc Travelers 1008 PAUL BUNYAN DR NW 5, BEMIDJI, 55303 218-444-7097
Jeremiah Jerry Downs Farmers 1425 Paul Bunyan Dr NW, Bemidji, 56601 (218) 333-3555
Island Financial Agency Inc Travelers 7165 DEW DROP TRL NW, WALKER, 56484 218-547-1666
Psp Insurance Services, Llc None Po Box 2072, Bemidji, 56619 None
Insure Forward Allstate 700 Paul Bunyan Dr Nw, Bemidji, 56601 (218) 751-2330
Island Fin Agcy Inc Allstate 7165 Dew Drop Trl Nw, Walker, 56484 (218) 547-1666
Crosslake Insurance Agency Inc Travelers 13683 COUNTY RD STE 103, CROSSLAKE, 56442 218-692-1136

Hart Lake, MN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$73 $1,726
Driver's Failure In Showing Documents +$160 $1,813
Driving With An Expired Registration +$170 $1,823
Driving At A Considerably Slow Pace +$359 $2,012
Using A Cellphone While Driving +$379 $2,032
Running A Red Light +$385 $2,038
Speeding +$405 $2,058
Driving A Vehicle Without The Required Permission +$514 $2,167
Driving With An Expired/Suspended License +$1,114 $2,767

Hart Lake, MN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,587
Active Disabling Device $1,587
Tracking Device $1,554
Passive Disabling Device $1,537