Swan River, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Swan River, 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 Swan River, 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.
- Swan River, MN Auto Insurance Rates
- Swan River, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Swan River, MN
- Multi Vehicle Insurance Savings in Swan River, MN
- How Credit Score Affects Car Insurance Rates in Swan River, MN
- How DUI Affects Auto Insurance Premiums in Swan River, MN
- Top Auto Insurance Agents Near Swan River, MN
- How Driving Violations Affect Auto Insurance Rates in Swan River, MN
- Swan River, MN Auto Insurance Discounts on Anti Theft Feature
Swan River, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Swan River, MN with that of other cities in and around Swan River.
| Swan River | Swanville | Elmdale | Two Rivers | Sobieski | Flensburg | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,320 | $1,335 | $1,318 | $1,319 | $2,008 | $2,093 |
Swan River, 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 Swan River, 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) |
|---|---|---|
| Swan River | $1,244 | $1,051 |
| Sobieski | $2,058 | $1,738 |
| Bowlus | $1,342 | $1,134 |
| Two Rivers | $1,786 | $1,509 |
| Flensburg | $1,315 | $1,111 |
| Swanville | $2,181 | $1,842 |
| Pike Creek | $1,107 | $935 |
| Elmdale | $1,188 | $1,003 |
Swan River, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Swan River, 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 | $4,283 |
| 20 Years | $1,696 |
| 30 Years | $1,306 |
| 40 Years | $1,257 |
| 50 Years | $1,164 |
| 60 Years | $1,180 |
| 70 Years | $1,374 |
Swan River, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Swan River, 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 | $396 |
| 3 Vehicles | $3,366 | $594 |
| 4 Vehicles | $4,488 | $792 |
Savings on 2 Vehicles bundle:$396
Savings on 3 Vehicles bundle:$594
Savings on 4 Vehicles bundle:$792
Swan River, 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 Swan River, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Swan River | $1,320 | $2,410 |
| Sobieski | $2,008 | $3,666 |
| Bowlus | $2,008 | $3,666 |
| Two Rivers | $1,319 | $2,408 |
| Flensburg | $2,093 | $3,821 |
| Swanville | $1,335 | $2,437 |
| Pike Creek | $1,292 | $2,359 |
| Elmdale | $1,318 | $2,406 |
Swan River, 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) | $1,133 |
| Excellent (740-799) | $1,293 |
| Good (670-739) | $1,375 |
| Average (580-669) | $1,794 |
| Poor (300-579) | $2,153 |
Swan River, 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 |
|---|---|---|---|
| Commercial Exchange Corporation | None | 116 First Ave N, Freeport, 56331 | None |
| Curt Van Oort | State Farm | 414 S Rum River Dr, Princeton, 55371-2019 | 763-389-2452 |
| Melissa Radel | State Farm | 30 Main St S, New London, 56273-5001 | 320-354-2266 |
| Mahowald Insurance Agency | Liberty Mutual Independent | 916 W SAINT GERMAIN ST STE 100, ST CLOUD, 56301 | 999-999-9999 |
| Mahowald Insurance Agency | Liberty Mutual Independent | 916 W SAINT GERMAIN ST STE 100, ST CLOUD, 56301 | 999-999-9999 |
| Princeton Insur Agy | Allstate | 104 S Rum River Dr, Princeton, 55371 | (763) 389-3650 |
| North American Insurance Agency | None | 201 Main Street, Elrosa, 56325 | None |
| Princeton Insurance Agency | Travelers | 104 South Rum River Drive, Princeton, 55371 | None |
| Liberty Insurance Agency | Travelers | 818 2ND ST S STE 120, ST CLOUD, 56387 | 320-253-6310 |
Swan River, 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 | +$58 | $1,378 |
| Driver's Failure In Showing Documents | +$128 | $1,448 |
| Driving With An Expired Registration | +$136 | $1,456 |
| Driving At A Considerably Slow Pace | +$286 | $1,606 |
| Using A Cellphone While Driving | +$302 | $1,622 |
| Running A Red Light | +$308 | $1,628 |
| Speeding | +$323 | $1,643 |
| Driving A Vehicle Without The Required Permission | +$411 | $1,731 |
| Driving With An Expired/Suspended License | +$890 | $2,210 |
Swan River, 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 | $1,267 |
| Active Disabling Device | $1,267 |
| Tracking Device | $1,241 |
| Passive Disabling Device | $1,228 |