Lino Lakes, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lino Lakes, 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.

Factors that can influence the cost of car insurance in Lino Lakes, 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.

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

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

	Lino Lakes	White Bear	Shoreview	Lexington	Circle Pines	North Oaks
Average Insurance Rates	$1,355	$1,350	$1,342	$1,285	$1,302	$1,560

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Lino Lakes, 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 Lino Lakes, 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)
Lino Lakes	$1,794	$1,516
Centerville	$1,183	$1,000
Circle Pines	$955	$806
Lexington	$2,213	$1,870
North Oaks	$2,017	$1,703
White Bear	$1,563	$1,320
Blaine	$1,448	$1,223
Shoreview	$2,131	$1,800

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

Teenagers in Lino Lakes, 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	$4,397
20 Years	$1,741
30 Years	$1,341
40 Years	$1,290
50 Years	$1,195
60 Years	$1,211
70 Years	$1,410

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

Car owners in Lino Lakes, 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	$2,331	$379
3 Vehicles	$3,496	$569
4 Vehicles	$4,661	$759

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Lino Lakes, 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 Lino Lakes, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
Lino Lakes	$1,355	$2,474
Centerville	$1,338	$2,443
Circle Pines	$1,302	$2,377
Lexington	$1,285	$2,346
North Oaks	$1,560	$2,848
White Bear	$1,350	$2,465
Blaine	$1,311	$2,394
Shoreview	$1,342	$2,450

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Lino Lakes, 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)	$1,163
Excellent (740-799)	$1,327
Good (670-739)	$1,412
Average (580-669)	$1,842
Poor (300-579)	$2,210

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Lino Lakes, 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
The Insurance Shop	Travelers	4637 WHITE BEAR PKWY, WHITE BEAR LAKE, 55110	651-714-5300
Amy Wakem	State Farm	2191 Silver Lk Rd NW, New Brighton, 55112-5331	651-636-8337
Amy Wakem	State Farm	2191 Silver Lk Rd NW, New Brighton, 55112-5331	651-636-8337
Amy Wakem	State Farm	2191 Silver Lk Rd NW, New Brighton, 55112-5331	651-636-8337
Kline Insurance Agency	Allstate	3090 Highway 61, Maplewood, 55109	(651) 203-8111
Gopher State Agency Llc	Travelers	8037 GARFIELD ST NE, SPRING LAKE PARK, 55432	763-427-9440
Bob Wheaton Insurance Agency Inc	Travelers	1520 9TH AVE SW STE F, FOREST LAKE, 55025	651-464-1122
Bob Wheaton Insurance Agency Inc	Travelers	1520 9TH AVE SW STE F, FOREST LAKE, 55025	651-464-1122
Dave Lesch	Allstate	3000 White Bear Ave N Ste 26, Maplewood, 55109	(651) 779-8929

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Lino Lakes, 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	+$60	$1,415
Driver's Failure In Showing Documents	+$131	$1,486
Driving With An Expired Registration	+$140	$1,495
Driving At A Considerably Slow Pace	+$294	$1,649
Using A Cellphone While Driving	+$310	$1,665
Running A Red Light	+$316	$1,671
Speeding	+$332	$1,687
Driving A Vehicle Without The Required Permission	+$421	$1,776
Driving With An Expired/Suspended License	+$913	$2,268

Lino Lakes, 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	$1,301
Active Disabling Device	$1,301
Tracking Device	$1,274
Passive Disabling Device	$1,260

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Latest Auto Insurance Reviews in Lino Lakes, MN | Back to Top