Mendota Heights, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Mendota Heights, 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 Mendota Heights, 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.
- Mendota Heights, MN Auto Insurance Rates
- Mendota Heights, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Mendota Heights, MN
- Multi Vehicle Insurance Savings in Mendota Heights, MN
- How Credit Score Affects Car Insurance Rates in Mendota Heights, MN
- How DUI Affects Auto Insurance Premiums in Mendota Heights, MN
- Top Auto Insurance Agents Near Mendota Heights, MN
- How Driving Violations Affect Auto Insurance Rates in Mendota Heights, MN
- Mendota Heights, MN Auto Insurance Discounts on Anti Theft Feature
Mendota Heights, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Mendota Heights, MN with that of other cities in and around Mendota Heights.
| Mendota Heights | Sunfish Lake | St. Paul | Mendota | South St. Paul | Eagan | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,416 | $1,777 | $1,302 | $1,312 | $1,664 | $1,104 |
Mendota Heights, 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 Mendota Heights, 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) |
|---|---|---|
| Mendota Heights | $1,458 | $1,232 |
| Mendota | $1,584 | $1,338 |
| Sunfish Lake | $2,164 | $1,828 |
| West St. Paul | $1,726 | $1,458 |
| Fort Snelling | $2,153 | $1,818 |
| Eagan | $1,270 | $1,073 |
| South St. Paul | $1,794 | $1,516 |
| St. Paul | $1,319 | $1,114 |
Mendota Heights, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Mendota Heights, 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 | $4,595 |
| 20 Years | $1,819 |
| 30 Years | $1,401 |
| 40 Years | $1,348 |
| 50 Years | $1,249 |
| 60 Years | $1,266 |
| 70 Years | $1,474 |
Mendota Heights, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Mendota Heights, 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 | $2,492 | $340 |
| 3 Vehicles | $3,738 | $510 |
| 4 Vehicles | $4,984 | $680 |
Savings on 2 Vehicles bundle:$340
Savings on 3 Vehicles bundle:$510
Savings on 4 Vehicles bundle:$680
Mendota Heights, 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 Mendota Heights, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Mendota Heights | $1,416 | $2,585 |
| Mendota | $1,312 | $2,395 |
| Sunfish Lake | $1,777 | $3,244 |
| West St. Paul | $1,676 | $3,060 |
| Fort Snelling | $2,090 | $3,816 |
| Eagan | $1,104 | $2,016 |
| South St. Paul | $1,664 | $3,038 |
| St. Paul | $1,302 | $2,377 |
Mendota Heights, 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) | $1,215 |
| Excellent (740-799) | $1,387 |
| Good (670-739) | $1,475 |
| Average (580-669) | $1,925 |
| Poor (300-579) | $2,310 |
Mendota Heights, 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 |
|---|---|---|---|
| Lyle Radloff | Farmers | 1185 Concord St N Ste 113, South St Paul, 55075 | (651) 289-3888 |
| Cox Insurance Associates Inc | Travelers | 1639 LARPENTEUR AVE, FALCON HEIGHTS, 55113 | 651-647-0001 |
| Trusted Insurance Agency Inc | Travelers | 1520 E 66TH ST, RICHFIELD, 55423 | 612-861-4868 |
| Dan Cheung | State Farm | 4020 Minnehaha Ave, Minneapolis, 55406-4529 | 612-728-1000 |
| Dan Cheung | State Farm | 4020 Minnehaha Ave, Minneapolis, 55406-4529 | 612-728-1000 |
| Richfield State Insurance | Travelers | 6625 LYNDALE AVE S STE 410, RICHFIELD, 55423 | 612-861-8300 |
| Homeservices Insurance | Travelers | 333 S 7Th St Ste 2420, Minneapolis, 55402 | None |
| Reliable Insurance Agency Inc | Travelers | 161 MARIE AVE EAST, WEST ST PAUL, 55118 | 651-451-0101 |
| Yolanda Garibay Csd Csp | Farmers | 2929 4th Ave S Ste 105, Minneapolis, 55408 | (612) 824-2700 |
| Christopher Kisch | State Farm | 625 Southview Blvd, South St Paul, 55075-2345 | 651-455-9700 |
| Chris Budzius | State Farm | 2175 St Clair Ave, Saint Paul, 55105-1134 | 651-690-1711 |
| Couch Braunsdorf Affinity Inc | Travelers | 2561 TERRITORIAL RD, ST PAUL, 55114 | 856-797-3875 |
Mendota Heights, 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 | +$62 | $1,478 |
| Driver's Failure In Showing Documents | +$137 | $1,553 |
| Driving With An Expired Registration | +$146 | $1,562 |
| Driving At A Considerably Slow Pace | +$307 | $1,723 |
| Using A Cellphone While Driving | +$324 | $1,740 |
| Running A Red Light | +$330 | $1,746 |
| Speeding | +$347 | $1,763 |
| Driving A Vehicle Without The Required Permission | +$440 | $1,856 |
| Driving With An Expired/Suspended License | +$954 | $2,370 |
Mendota Heights, 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 | $1,359 |
| Active Disabling Device | $1,359 |
| Tracking Device | $1,331 |
| Passive Disabling Device | $1,317 |