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

Zimlon, through its research, found that car owners in Minnetonka, 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 Minnetonka, 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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Minnetonka, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

	Minnetonka	Hennepin County	Hopkins	St. Louis Park	Medicine Lake	Shorewood
Average Insurance Rates	$1,041	$1,166	$1,319	$1,125	$1,562	$1,465

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Minnetonka, 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 Minnetonka, 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)
Minnetonka	$1,663	$1,405
Hopkins	$1,680	$1,419
Deephaven	$2,044	$1,726
Wayzata	$1,063	$898
St. Louis Park	$1,402	$1,184
Medicine Lake	$1,106	$934
Hennepin County	$1,790	$1,512
Shorewood	$1,100	$929

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

Teenagers in Minnetonka, 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	$3,378
20 Years	$1,338
30 Years	$1,030
40 Years	$991
50 Years	$918
60 Years	$931
70 Years	$1,083

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

Car owners in Minnetonka, 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	$1,770	$312
3 Vehicles	$2,655	$468
4 Vehicles	$3,539	$625

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Minnetonka, 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 Minnetonka, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
Minnetonka	$1,041	$1,901
Hopkins	$1,319	$2,408
Deephaven	$1,540	$2,812
Wayzata	$1,488	$2,717
St. Louis Park	$1,125	$2,054
Medicine Lake	$1,562	$2,852
Hennepin County	$1,166	$2,129
Shorewood	$1,465	$2,675

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Minnetonka, 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)	$893
Excellent (740-799)	$1,020
Good (670-739)	$1,085
Average (580-669)	$1,415
Poor (300-579)	$1,698

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Minnetonka, 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
Christian Hansen	Allstate	9668 63rd Ave N, Maple Grove, 55369	(763) 200-9210
Mary E. Prosser	Allstate	4900 Highway 169 N Ste 110, New Hope, 55428	(763) 221-5194
Fide Abrego	Farmers	301 E Lake St Ste 208, Minneapolis, 55408	(612) 746-5600
Craig Pearson	Farmers	13911 Ridgedale Dr Ste 253, Minnetonka, 55305	(952) 443-2288
Weir Insurance	None	5007 France Ave S Ste 4 Edina, Minneapolis, 55410	None
John Cornelison	Allstate	7300 France Ave S Ste 333, Edina, 55435	(952) 835-5424
Gladwin Insurance	Travelers	738 11Th Ave S, Hopkins, 55343	None
Mark Kelley Aai Cpcu	Farmers	6409 City West Pkwy Ste 101, Eden Prairie, 55344	(952) 944-6400
Arthur J Gallagher Risk Mgmt Serv	None	3600 American Blvd W Ste 500 Minneapolis, Bloomington, 55431	None
Ross Nesbit Agencies Inc	Liberty Mutual Independent	7500 FLYING CLOUD DR STE 950, EDEN PRAIRIE, 55344	(952) 941-9418
Matthew Nye	Farmers	2104 Stevens Ave Ste 309, Minneapolis, 55404	(612) 879-7545

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Minnetonka, 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	+$46	$1,087
Driver's Failure In Showing Documents	+$101	$1,142
Driving With An Expired Registration	+$107	$1,148
Driving At A Considerably Slow Pace	+$226	$1,267
Using A Cellphone While Driving	+$238	$1,279
Running A Red Light	+$243	$1,284
Speeding	+$255	$1,296
Driving A Vehicle Without The Required Permission	+$324	$1,365
Driving With An Expired/Suspended License	+$702	$1,743

Minnetonka, 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	$999
Active Disabling Device	$999
Tracking Device	$979
Passive Disabling Device	$968

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Latest Auto Insurance Reviews in Minnetonka, MN | Back to Top