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

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

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

	Richfield	Edina	Fort Snelling	Hopkins	Bloomington	Minneapolis
Average Insurance Rates	$1,114	$1,075	$2,090	$1,319	$1,089	$1,325

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Richfield, 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 Richfield, 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)
Richfield	$1,848	$1,561
Fort Snelling	$2,153	$1,818
Bloomington	$1,065	$900
Edina	$1,716	$1,449
Mendota	$1,584	$1,338
Minneapolis	$974	$823
St. Louis Park	$1,402	$1,184
Hopkins	$1,680	$1,419

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

Teenagers in Richfield, 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	$3,615
20 Years	$1,431
30 Years	$1,102
40 Years	$1,061
50 Years	$982
60 Years	$996
70 Years	$1,159

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

Car owners in Richfield, 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	$1,961	$267
3 Vehicles	$2,941	$401
4 Vehicles	$3,921	$535

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Richfield, 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 Richfield, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
Richfield	$1,114	$2,034
Fort Snelling	$2,090	$3,816
Bloomington	$1,089	$1,988
Edina	$1,075	$1,963
Mendota	$1,312	$2,395
Minneapolis	$1,325	$2,419
St. Louis Park	$1,125	$2,054
Hopkins	$1,319	$2,408

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Richfield, 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)	$956
Excellent (740-799)	$1,091
Good (670-739)	$1,161
Average (580-669)	$1,514
Poor (300-579)	$1,817

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Richfield, 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	+$49	$1,163
Driver's Failure In Showing Documents	+$108	$1,222
Driving With An Expired Registration	+$115	$1,229
Driving At A Considerably Slow Pace	+$242	$1,356
Using A Cellphone While Driving	+$255	$1,369
Running A Red Light	+$260	$1,374
Speeding	+$273	$1,387
Driving A Vehicle Without The Required Permission	+$346	$1,460
Driving With An Expired/Suspended License	+$751	$1,865

Richfield, 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	$1,069
Active Disabling Device	$1,069
Tracking Device	$1,047
Passive Disabling Device	$1,036

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