Shoreview Auto Insurance Rates, Quotes, Agents & Reviews in MN

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.

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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 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