St. Louis County Auto Insurance Rates, Quotes, Agents & Reviews in MN

St. Louis County, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Louis County, 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 St. Louis County, 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.


St. Louis County, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. Louis County Virginia Wuori Hay Lake Eveleth Mountain Iron
Average Insurance Rates $1,275 $1,233 $1,282 $1,261 $1,230 $1,978

St. Louis County, 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 St. Louis County, 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)
St. Louis County $1,634 $1,380
Wuori $1,409 $1,190
Virginia $1,179 $996
Hay Lake $1,071 $905
Mountain Iron $1,210 $1,022
Gilbert $1,432 $1,209
Sandy $2,785 $2,352
Eveleth $1,429 $1,207

St. Louis County, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Louis County, 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 $4,137
20 Years $1,638
30 Years $1,262
40 Years $1,214
50 Years $1,124
60 Years $1,140
70 Years $1,327

St. Louis County, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Louis County, 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 $2,244 $306
3 Vehicles $3,366 $459
4 Vehicles $4,488 $612

Savings on 2 Vehicles bundle:$306

Savings on 3 Vehicles bundle:$459

Savings on 4 Vehicles bundle:$612


St. Louis County, 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 St. Louis County, MN.

Location Average Insurance Cost Post DUI Insurance Rate
St. Louis County $1,275 $2,328
Wuori $1,282 $2,341
Virginia $1,233 $2,251
Hay Lake $1,261 $2,302
Mountain Iron $1,978 $3,611
Gilbert $2,008 $3,666
Sandy $2,018 $3,684
Eveleth $1,230 $2,246

St. Louis County, 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) $1,094
Excellent (740-799) $1,249
Good (670-739) $1,329
Average (580-669) $1,733
Poor (300-579) $2,080

St. Louis County, 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
Allison Kreibich State Farm 820 9th St N Ste 110, Virginia, 55792-2300 218-741-6005
The Hegland Agency Inc Travelers 106 N 3RD AVENUE, VIRGINIA, 55792 218-741-9582
Mark Tuuri Farmers 418 Jones St, Eveleth, 55734 (218) 744-2213
Wells Fargo Ins Services Of Usa Inc Travelers 401 CHESTNUT ST, VIRGINA, 55792 218-741-5529
Ahrens Insurance Agency Travelers 11 NORTH MAIN ST, AURORA, 55705 218-229-2536
P S Engman Agency Travelers 111 2ND AVE SOUTH, VIRGINIA, 55792 218-741-4400
John Koebensky State Farm 206 S 5th Ave, Virginia, 55792-2638 218-741-6284

St. Louis County, 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 +$56 $1,331
Driver's Failure In Showing Documents +$124 $1,399
Driving With An Expired Registration +$131 $1,406
Driving At A Considerably Slow Pace +$277 $1,552
Using A Cellphone While Driving +$292 $1,567
Running A Red Light +$297 $1,572
Speeding +$312 $1,587
Driving A Vehicle Without The Required Permission +$397 $1,672
Driving With An Expired/Suspended License +$859 $2,134

St. Louis County, 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 $1,224
Active Disabling Device $1,224
Tracking Device $1,199
Passive Disabling Device $1,186