St. Louis Park, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in St. Louis Park, 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 St. Louis Park, 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 Park, MN Auto Insurance Rates
- St. Louis Park, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in St. Louis Park, MN
- Multi Vehicle Insurance Savings in St. Louis Park, MN
- How Credit Score Affects Car Insurance Rates in St. Louis Park, MN
- How DUI Affects Auto Insurance Premiums in St. Louis Park, MN
- How Driving Violations Affect Auto Insurance Rates in St. Louis Park, MN
- St. Louis Park, MN Auto Insurance Discounts on Anti Theft Feature
- St. Louis Park, MN Auto Insurance Company Reviews
St. Louis Park, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in St. Louis Park, MN with that of other cities in and around St. Louis Park.
| St. Louis Park | Medicine Lake | Hopkins | Minnetonka | Minneapolis | Robbinsdale | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,125 | $1,562 | $1,319 | $1,041 | $1,325 | $1,291 |
St. Louis Park, 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 Park, 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 Park | $1,402 | $1,184 |
| Hopkins | $1,680 | $1,419 |
| Golden Valley | $1,729 | $1,461 |
| Edina | $1,716 | $1,449 |
| Minnetonka | $1,663 | $1,405 |
| Medicine Lake | $1,106 | $934 |
| Minneapolis | $974 | $823 |
| Robbinsdale | $1,224 | $1,034 |
St. Louis Park, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in St. Louis Park, 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 | $3,650 |
| 20 Years | $1,445 |
| 30 Years | $1,113 |
| 40 Years | $1,071 |
| 50 Years | $992 |
| 60 Years | $1,006 |
| 70 Years | $1,171 |
St. Louis Park, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in St. Louis Park, 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 | $1,935 | $315 |
| 3 Vehicles | $2,903 | $473 |
| 4 Vehicles | $3,870 | $630 |
Savings on 2 Vehicles bundle:$315
Savings on 3 Vehicles bundle:$473
Savings on 4 Vehicles bundle:$630
St. Louis Park, 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 Park, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| St. Louis Park | $1,125 | $2,054 |
| Hopkins | $1,319 | $2,408 |
| Golden Valley | $1,361 | $2,485 |
| Edina | $1,075 | $1,963 |
| Minnetonka | $1,041 | $1,901 |
| Medicine Lake | $1,562 | $2,852 |
| Minneapolis | $1,325 | $2,419 |
| Robbinsdale | $1,291 | $2,357 |
St. Louis Park, 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) | $965 |
| Excellent (740-799) | $1,102 |
| Good (670-739) | $1,172 |
| Average (580-669) | $1,529 |
| Poor (300-579) | $1,835 |
St. Louis Park, 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 | +$50 | $1,175 |
| Driver's Failure In Showing Documents | +$109 | $1,234 |
| Driving With An Expired Registration | +$116 | $1,241 |
| Driving At A Considerably Slow Pace | +$244 | $1,369 |
| Using A Cellphone While Driving | +$258 | $1,383 |
| Running A Red Light | +$262 | $1,387 |
| Speeding | +$276 | $1,401 |
| Driving A Vehicle Without The Required Permission | +$350 | $1,475 |
| Driving With An Expired/Suspended License | +$758 | $1,883 |
St. Louis Park, 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 | $1,080 |
| Active Disabling Device | $1,080 |
| Tracking Device | $1,058 |
| Passive Disabling Device | $1,046 |
Latest Auto Insurance Reviews in St. Louis Park, MN | Back to Top
State FarmOur deductible is amazing and the coverage is comprehensive in scope. Accordingly our premium is costly but it is completely worth it for the peace of mind it gives.
Farmer's InsuranceTheir customer service is as good as I think you can get for insurance. I have never had to wait in too long of a hold line and my concerns are taken seriously and handled quickly.
ProgressiveCompared to other insurance company this progressive home insurance company offering to me for subsidy in interest when we are giving proper installment pay.
ProgressiveMy auto insurance company is the same as my home insurance company. The only interaction I had with them was the initial sales call. I have not yet had to file a claim. They were able to explain my choices for each question that I had. They were polite and efficient. When the sales representative did not know the answer, he researched it until he found it.
ProgressiveMy auto insurance company is the same as my home insurance company. The only interaction I had with them was the initial sales call. I have not yet had to file a claim. They were able to explain my choices for each question that I had. They were polite and efficient. When the sales representative did not know the answer, he researched it until he found it.
American Family InsuranceI think my premium is very reasonable considering I have full coverage, including towing, rental reimbursement, etc. My company also offers a budget plan so I can pay monthly instead of every six months or annual which makes it easy to fit into anyone's budget.