Prior Lake, MN Auto Insurance Rates, Quotes, Agents & Reviews

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

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

	Prior Lake	Burnsville	Shakopee	Louisville	Spring Lake	Scott County
Average Insurance Rates	$1,366	$1,046	$1,050	$1,452	$1,414	$1,050

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Prior Lake, 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 Prior Lake, 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)
Prior Lake	$1,091	$921
Shakopee	$1,785	$1,508
Spring Lake	$2,278	$1,924
Savage	$2,281	$1,927
Credit River	$1,876	$1,584
Louisville	$1,945	$1,643
Scott County	$1,000	$845
Burnsville	$2,234	$1,887

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

Teenagers in Prior Lake, 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	$4,432
20 Years	$1,755
30 Years	$1,352
40 Years	$1,301
50 Years	$1,205
60 Years	$1,221
70 Years	$1,422

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

Car owners in Prior Lake, 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	$2,350	$382
3 Vehicles	$3,524	$574
4 Vehicles	$4,699	$765

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Prior Lake, 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 Prior Lake, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
Prior Lake	$1,366	$2,494
Shakopee	$1,050	$1,917
Spring Lake	$1,414	$2,582
Savage	$1,360	$2,483
Credit River	$1,441	$2,631
Louisville	$1,452	$2,651
Scott County	$1,050	$1,917
Burnsville	$1,046	$1,910

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Prior Lake, 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)	$1,172
Excellent (740-799)	$1,338
Good (670-739)	$1,423
Average (580-669)	$1,857
Poor (300-579)	$2,228

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Prior Lake, 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
Dean Wandmacher	Farmers	5402 W Old Shakopee Rd Ste 203, Bloomington, 55437	(952) 405-6191
Bradley Reiland	Allstate	175 1st Ave E, Shakopee, 55379	(952) 232-1075
Bradley Reiland	Allstate	175 1st Ave E, Shakopee, 55379	(952) 232-1075
Jon Zweber	State Farm	10639 165th St W, Lakeville, 55044-5670	952-898-9777
Aaron Nicklay	Farmers	7500 Flying Cloud Dr Ste 120, Eden Prairie, 55344	(952) 229-5155
Nci Bib Llc	Travelers	8200 HIGHWOOD DR, BLOOMINGTON, 55438	952-996-8818
H Robert Anderson & Assoc Inc	Travelers	8201 Norman Ctr Dr Ste 220, Bloomington, 55437	None
Chad Babcock Chfc	State Farm	2015 Hillcrest Avenue, Saint Paul, 55116-2386	651-714-AUTO
Rodney Helgaas	Farmers	2500 County Road 42 W Ste 112, Burnsville, 55337	(952) 240-8659

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Prior Lake, 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	$1,426
Driver's Failure In Showing Documents	+$133	$1,499
Driving With An Expired Registration	+$141	$1,507
Driving At A Considerably Slow Pace	+$296	$1,662
Using A Cellphone While Driving	+$313	$1,679
Running A Red Light	+$318	$1,684
Speeding	+$335	$1,701
Driving A Vehicle Without The Required Permission	+$425	$1,791
Driving With An Expired/Suspended License	+$921	$2,287

Prior Lake, 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	$1,311
Active Disabling Device	$1,311
Tracking Device	$1,284
Passive Disabling Device	$1,270

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Latest Auto Insurance Reviews in Prior Lake, MN | Back to Top