Isle Auto Insurance Rates, Quotes, Agents & Reviews in MN

Isle, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Isle, 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 Isle, 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.


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

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

Isle Idun Lakeside Wahkon East Side Isle Harbor
Average Insurance Rates $1,270 $1,665 $1,314 $1,290 $1,326 $1,659

Isle, 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 Isle, 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)
Isle $1,308 $1,105
Isle Harbor $1,457 $1,231
Wahkon $1,517 $1,282
East Side $1,531 $1,293
Idun $1,550 $1,309
Hay Brook $1,397 $1,180
South Harbor $1,149 $971
Lakeside $1,125 $950

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

Teenagers in Isle, 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 $4,121
20 Years $1,632
30 Years $1,257
40 Years $1,209
50 Years $1,120
60 Years $1,135
70 Years $1,322

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

Car owners in Isle, 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 $2,210 $330
3 Vehicles $3,315 $495
4 Vehicles $4,420 $660

Savings on 2 Vehicles bundle:$330

Savings on 3 Vehicles bundle:$495

Savings on 4 Vehicles bundle:$660


Isle, 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 Isle, MN.

Location Average Insurance Cost Post DUI Insurance Rate
Isle $1,270 $2,319
Isle Harbor $1,659 $3,029
Wahkon $1,290 $2,355
East Side $1,326 $2,421
Idun $1,665 $3,040
Hay Brook $1,259 $2,299
South Harbor $1,305 $2,383
Lakeside $1,314 $2,399

Isle, 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) $1,090
Excellent (740-799) $1,244
Good (670-739) $1,323
Average (580-669) $1,727
Poor (300-579) $2,072

Isle, 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
Chuck Swenson State Farm 227 Main St S, Cambridge, 55008-1543 763-689-4521
Insurance Brokers Of Mn Travelers 1545 1St Avd E Cambridge, Isanti, 55008 None
Insurance Brokers Of Mn Travelers 120 COUNTY RD NE STE 2, ISANTI, 55040 763-444-5446
Princeton Insur Agy Allstate 104 S Rum River Dr, Princeton, 55371 (763) 389-3650
Empire Insurance Group Inc Travelers 38780 8th Ave, North Branch, 55056 (651) 674-0990
1st Choice Network Inc Travelers 715 NW 7TH ST, BRAINERD, 56401 218-829-9219
Lisa Swanson Farmers 12631 Fremont Ave Ste 1, Zimmerman, 55398 (763) 856-0898
Lisa Swanson Farmers 12631 Fremont Ave Ste 1, Zimmerman, 55398 (763) 856-0898

Isle, 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 +$56 $1,326
Driver's Failure In Showing Documents +$123 $1,393
Driving With An Expired Registration +$131 $1,401
Driving At A Considerably Slow Pace +$276 $1,546
Using A Cellphone While Driving +$291 $1,561
Running A Red Light +$296 $1,566
Speeding +$311 $1,581
Driving A Vehicle Without The Required Permission +$395 $1,665
Driving With An Expired/Suspended License +$856 $2,126

Isle, 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 $1,219
Active Disabling Device $1,219
Tracking Device $1,194
Passive Disabling Device $1,181