Lake No. 2 Auto Insurance Rates, Quotes, Agents & Reviews in MN

Lake No. 2, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lake No. 2, 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 Lake No. 2, 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.


Lake No. 2, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lake No. 2, MN with that of other cities in and around Lake No. 2.

Lake No. 2 Beaver Bay Ault Pequaywan Lake County Fairbanks
Average Insurance Rates $1,346 $1,429 $1,988 $1,365 $1,287 $1,554

Lake No. 2, 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 Lake No. 2, 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)
Lake No. 2 $1,874 $1,583
Fairbanks $1,590 $1,343
Pequaywan $1,165 $984
Ault $1,071 $905
Bassett $1,071 $905
Beaver Bay $1,804 $1,523
Lake County $1,132 $956

Lake No. 2, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lake No. 2, 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 $4,368
20 Years $1,729
30 Years $1,332
40 Years $1,282
50 Years $1,187
60 Years $1,203
70 Years $1,401

Lake No. 2, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lake No. 2, 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 $2,342 $350
3 Vehicles $3,513 $525
4 Vehicles $4,684 $700

Savings on 2 Vehicles bundle:$350

Savings on 3 Vehicles bundle:$525

Savings on 4 Vehicles bundle:$700


Lake No. 2, 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 Lake No. 2, MN.

Location Average Insurance Cost Post DUI Insurance Rate
Lake No. 2 $1,346 $2,458
Fairbanks $1,554 $2,837
Pequaywan $1,365 $2,492
Ault $1,988 $3,630
Bassett $1,261 $2,302
Beaver Bay $1,429 $2,609
Lake County $1,287 $2,350

Lake No. 2, 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) $1,155
Excellent (740-799) $1,318
Good (670-739) $1,403
Average (580-669) $1,830
Poor (300-579) $2,195

Lake No. 2, 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
Karla Mitchell State Farm 224 E Ctrl Entrance Ste 2, Duluth, 55811-5519 218-722-4069
Twin Ports Insurance Liberty Mutual Independent 405 E SUPERIOR ST STE 150, DULUTH, 55802 (218) 728-3600
Cartier Agency Inc Travelers 2631 W SUPERIOR ST, DULUTH, 55806 218-727-5992
Mark Tuuri Farmers 418 Jones St, Eveleth, 55734 (218) 744-2213
Solutions Insurance Allstate 215 N Central Ave, Ste 6, Duluth, 55807 None
The Ins Capitol Allstate 405 E Superior St Ste 150, Duluth, 55802 (218) 729-5226
Hanlon & Associates Llc Travelers 501 S Lake Ave, Duluth, 55802 None
Barbara Carr State Farm 401 W Michigan St, Duluth, 55802-1502 218-728-0154
Susan Coen State Farm 5600 Grand Ave, Duluth, 55807-2500 218-624-3658
Laura Greene Peterson Farmers 394 S Lake Ave Ste 600, Duluth, 55802 (218) 722-1888

Lake No. 2, 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 +$59 $1,405
Driver's Failure In Showing Documents +$131 $1,477
Driving With An Expired Registration +$139 $1,485
Driving At A Considerably Slow Pace +$292 $1,638
Using A Cellphone While Driving +$308 $1,654
Running A Red Light +$314 $1,660
Speeding +$330 $1,676
Driving A Vehicle Without The Required Permission +$419 $1,765
Driving With An Expired/Suspended License +$907 $2,253

Lake No. 2, 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 $1,292
Active Disabling Device $1,292
Tracking Device $1,265
Passive Disabling Device $1,252