Shoreview, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Shoreview, 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.
Save $322 on Auto Insurance in Shoreview, MN
The average cost of car insurance in Shoreview, MN, is $1,342. This cost is lower than nearby locations like Arden Hills, Mounds View, and North Oaks but higher than other nearby locations like Lexington and New Brighton. Zimlon’s research found that car owners in Shoreview, MN, can get cheaper auto insurance rates and discounts by considering factors like driver’s age, vehicle’s make and model and credit scores. These factors and associated discounts are explored in detail by Zimlon below.
Anti-Theft Feature Discounts:
Cars equipped with safety devices are less prone to thefts; therefore, auto insurance companies in Shoreview, MN, provide a considerable amount of discounts to vigilant car owners. The discounts can depend on the type and number of safety devices installed. Below is an analysis by Zimlon on average auto insurance costs after installing anti-theft features in Shoreview, MN.
Multi-Car Insurance Discounts:
Auto Insurance companies in Shoreview, MN, offer attractive discounts on multi-car insurance policies and bundling. In Shoreview, MN, car owners can also save more by purchasing their life, auto, and home insurance from the same insurance company. Zimlon’s research found in car owners in Shoreview, MN, can save $322 by insuring two cars together. Insuring three or four cars together can also help save $483 and $644, respectively, in Shoreview, MN.
Age of the Driver:
Zimlon’s analysis found that teenagers and young drivers pay more car insurance costs than older drivers as insurance companies consider them less responsible behind the wheels. The average insurance cost for a teenager in Shoreview, MN, is $4,355, whereas drivers between 30-50 years of age pay less than $1,400. In Shoreview, MN, car owners can get various discounts by comparing multiple age of the driver-based policies. These discounts include good student discounts, safe driver discounts, and defensive driving discounts.
Deductibles:
Deductibles are one of the most common factors influencing the cost of car insurance in Shoreview, MN. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Shoreview, MN, on a deductible of $500 is $2,131, and this cost decreases to $1,800 when the deductible is $1,000.
Factors that can influence the cost of car insurance in Shoreview, 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.
- Shoreview, MN Auto Insurance Rates
- Shoreview, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Shoreview, MN
- Multi Vehicle Insurance Savings in Shoreview, MN
- How Credit Score Affects Car Insurance Rates in Shoreview, MN
- How DUI Affects Auto Insurance Premiums in Shoreview, MN
- Top Auto Insurance Agents Near Shoreview, MN
- How Driving Violations Affect Auto Insurance Rates in Shoreview, MN
- Shoreview, MN Auto Insurance Discounts on Anti Theft Feature
Shoreview, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Shoreview, MN with that of other cities in and around Shoreview.
| Shoreview | Arden Hills | Mounds View | North Oaks | Lexington | New Brighton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,342 | $1,365 | $1,672 | $1,560 | $1,285 | $1,330 |
Shoreview, 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 Shoreview, 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) |
|---|---|---|
| Shoreview | $2,131 | $1,800 |
| Arden Hills | $1,732 | $1,463 |
| North Oaks | $2,017 | $1,703 |
| Vadnais Heights | $1,405 | $1,187 |
| Mounds View | $1,089 | $920 |
| New Brighton | $1,774 | $1,498 |
| Lexington | $2,213 | $1,870 |
| Circle Pines | $955 | $806 |
Shoreview, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Shoreview, 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 | $4,355 |
| 20 Years | $1,724 |
| 30 Years | $1,328 |
| 40 Years | $1,278 |
| 50 Years | $1,183 |
| 60 Years | $1,200 |
| 70 Years | $1,397 |
Shoreview, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Shoreview, 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 | $2,362 | $322 |
| 3 Vehicles | $3,543 | $483 |
| 4 Vehicles | $4,724 | $644 |
Savings on 2 Vehicles bundle:$322
Savings on 3 Vehicles bundle:$483
Savings on 4 Vehicles bundle:$644
Shoreview, 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 Shoreview, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Shoreview | $1,342 | $2,450 |
| Arden Hills | $1,365 | $2,492 |
| North Oaks | $1,560 | $2,848 |
| Vadnais Heights | $1,324 | $2,417 |
| Mounds View | $1,672 | $3,053 |
| New Brighton | $1,330 | $2,428 |
| Lexington | $1,285 | $2,346 |
| Circle Pines | $1,302 | $2,377 |
Shoreview, 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) | $1,151 |
| Excellent (740-799) | $1,314 |
| Good (670-739) | $1,398 |
| Average (580-669) | $1,824 |
| Poor (300-579) | $2,189 |
Shoreview, 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 |
|---|---|---|---|
| Mary Kostelnik | Farmers | 2510 7th Ave E Apt 1, North Saint Paul, 55109 | (651) 777-8108 |
| Insurance Brokers Of Mn | Travelers | 11716 JEFFERSON ST, BLAINE, 55434 | 763-862-1221 |
| Insurance Brokers Of Mn | Travelers | 11716 JEFFERSON ST, BLAINE, 55434 | 763-862-1221 |
| Blakestad Phenow Inc. | Liberty Mutual Independent | 901 N 3Rd St Ste 114, MINNEAPOLIS, 55401 | (612) 767-0880 |
| Blakestad Phenow Inc. | Liberty Mutual Independent | 901 N 3Rd St Ste 114, MINNEAPOLIS, 55401 | (612) 767-0880 |
| Moores Insurance Management, Inc. | Travelers | 380 SAINT PETER ST ST 720, ST PAUL, 55102 | 651-255-6800 |
| American Home Agency | Travelers | 1737 COPE AVE E, ST PAUL, 55109 | 651-777-7469 |
| Robert Bianchi-Rossi | State Farm | 543 Cn Rps Blvd NW Ste A, Coon Rapids, 55433-5548 | 763-784-2553 |
| Garrett Larson | State Farm | 1300 Lagoon Ave Ste 270, Minneapolis, 55408-2015 | 612-871-6888 |
Shoreview, 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 | +$59 | $1,401 |
| Driver's Failure In Showing Documents | +$130 | $1,472 |
| Driving With An Expired Registration | +$138 | $1,480 |
| Driving At A Considerably Slow Pace | +$291 | $1,633 |
| Using A Cellphone While Driving | +$307 | $1,649 |
| Running A Red Light | +$313 | $1,655 |
| Speeding | +$329 | $1,671 |
| Driving A Vehicle Without The Required Permission | +$417 | $1,759 |
| Driving With An Expired/Suspended License | +$905 | $2,247 |
Shoreview, 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 | $1,288 |
| Active Disabling Device | $1,288 |
| Tracking Device | $1,261 |
| Passive Disabling Device | $1,248 |