White Bear Lake, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in White Bear Lake, 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.
How to Save on Car Insurance in White Bear Lake, MN?
The average cost of car insurance in White Bear Lake, MN, is $1,313. This cost is lower than most of the nearby locations like Mahtomedi, Gem Lake, Willernie, Dellwood, and White Bear. Car owners in White Bear Lake, MN, can save more on their car insurance costs by considering various factors like location, age of the driver, and deductibles. Some of these major factors are explored below in detail by Zimlon.
Age of the Driver:
Car owners in White Bear Lake, MN, can save on the cost of car insurance and get various discounts by comparing multiple age of the driver-based policies offered by different insurance companies. Zimlon’s analysis found that teenagers and young drivers pay more car insurance costs in White Bear Lake, MN, than older drivers as insurance companies consider them as less responsible drivers. Below is a list by Zimlon highlighting the average cost of car insurance for different age groups in White Bear Lake, MN.
Deductibles:
This is one of the most common factors influencing the cost of car insurance in White Bear Lake, MN. A low deductible ($500) usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. Zimlon’s research found that in White Bear Lake, MN, the average cost of auto insurance on a deductible of $500 is $1,240. This cost will decrease to $1,047 when the deductible is $1,000.
Multi-Car Insurance:
Auto Insurance companies in White Bear Lake, MN, offer attractive discounts on multi-car insurance policies and bundling. Car owners in White Bear Lake, MN, can save more on car insurance costs by purchasing their life, auto, and home insurance from the same insurance company. According to Zimlon’s analysis, by insuring two cars together, residents of White Bear Lake, MN, can save $368. Insuring three or four cars with the same insurer can also help to save $551 and $735 respectively in Easton, MA.
Anti-Theft Feature:
Cars equipped with safety devices are less prone to thefts therefore, auto insurance companies in White Bear Lake, MN, provide a considerable amount of discounts to vigilant car owners. The discounts can depend on the type and number of safety devices installed. According to Zimlon’s research, car owners in White Bear Lake, MN, can get car insurance for $1,260 by installing safety devices like an audible alarm and active disabling device. Installing additional anti-theft features like tracking devices and passive disabling devices can further reduce the cost of car insurance to $1,234 and $1,221 respectively.
Credit Score:
Car owners in White Bear Lake, MN, can save on car insurance by maintaining positive credit scores. Several auto insurance companies provide considerable discounts to car owners that have a higher positive credit score and a clean driving history. Zimlon’s research found that in White Bear Lake, MN, car owners with a “good” credit score of 670-739 will have to pay $1,368, Whereas, for a “poor” credit score of 300-579 cost of car insurance can get as high as $2,142.
Factors that can influence the cost of car insurance in White Bear Lake, 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.
- White Bear Lake, MN Auto Insurance Rates
- White Bear Lake, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in White Bear Lake, MN
- Multi Vehicle Insurance Savings in White Bear Lake, MN
- How Credit Score Affects Car Insurance Rates in White Bear Lake, MN
- How DUI Affects Auto Insurance Premiums in White Bear Lake, MN
- Top Auto Insurance Agents Near White Bear Lake, MN
- How Driving Violations Affect Auto Insurance Rates in White Bear Lake, MN
- White Bear Lake, MN Auto Insurance Discounts on Anti Theft Feature
- White Bear Lake, MN Auto Insurance Company Reviews
White Bear Lake, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in White Bear Lake, MN with that of other cities in and around White Bear Lake.
White Bear Lake | Mahtomedi | Gem Lake | Willernie | Dellwood | White Bear | |
---|---|---|---|---|---|---|
Average Insurance Rates | $1,313 | $1,379 | $1,375 | $1,643 | $1,563 | $1,350 |
White Bear Lake, 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 White Bear Lake, 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) |
---|---|---|
White Bear Lake | $1,240 | $1,047 |
Gem Lake | $1,653 | $1,396 |
Birchwood Village | $1,012 | $855 |
White Bear | $1,563 | $1,320 |
Mahtomedi | $1,884 | $1,591 |
Willernie | $1,238 | $1,046 |
Vadnais Heights | $1,405 | $1,187 |
Dellwood | $2,019 | $1,705 |
White Bear Lake, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in White Bear Lake, 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 | $4,260 |
20 Years | $1,687 |
30 Years | $1,299 |
40 Years | $1,250 |
50 Years | $1,158 |
60 Years | $1,174 |
70 Years | $1,366 |
White Bear Lake, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in White Bear Lake, 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 | $2,258 | $368 |
3 Vehicles | $3,388 | $551 |
4 Vehicles | $4,517 | $735 |

Savings on 2 Vehicles bundle:$368

Savings on 3 Vehicles bundle:$551

Savings on 4 Vehicles bundle:$735
White Bear Lake, 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 White Bear Lake, MN.
Location | Average Insurance Cost | Post DUI Insurance Rate |
---|---|---|
White Bear Lake | $1,313 | $2,397 |
Gem Lake | $1,375 | $2,510 |
Birchwood Village | $1,401 | $2,558 |
White Bear | $1,350 | $2,465 |
Mahtomedi | $1,379 | $2,518 |
Willernie | $1,643 | $3,000 |
Vadnais Heights | $1,324 | $2,417 |
Dellwood | $1,563 | $2,854 |
White Bear Lake, 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) | $1,127 |
Excellent (740-799) | $1,286 |
Good (670-739) | $1,368 |
Average (580-669) | $1,785 |
Poor (300-579) | $2,142 |
White Bear Lake, 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 |
---|---|---|---|
Jessica Thompson | State Farm | 2436 Highway 10 Ste 110, Mounds View, 55112-1482 | 651-789-5300 |
Travis Nadeau | Allstate | 700 Commerce Dr Ste 165, Woodbury, 55125 | (651) 419-0777 |
Dan Wright | State Farm | 783 Radio Dr Ste 103, Woodbury, 55125-5402 | 651-731-6221 |
Bruce Wagner | State Farm | 2575 Hamline Ave N Ste A, Roseville, 55113-3175 | 651-633-7355 |
Richard Hauer | Allstate | 7876 Hudson Rd, Woodbury, 55125 | (651) 731-2580 |
Clair Wagner & Sons Insurance Agency | None | 6082 12Th St N, Oakdale, 55128 | None |
John W Traeger Agency Inc | Liberty Mutual Independent | 1050 COUNTY RD E W STE 100, ST PAUL, 55126 | 651-414-6400 |
Scott Roth | State Farm | 984 Inwood Ave N, Oakdale, 55128-6625 | 651-735-9695 |
Bill Matschke | State Farm | 4874 Highway 61 N, White Bear Lk, 55110-2874 | 651-429-7725 |
Bw Insurance Agency | Travelers | 245 E ROSELAWN AVE 31, ST PAUL, 55117 | 651-488-0789 |
Sarah Debruin | State Farm | 2216 County Road D W Ste F, Saint Paul, 55112-8505 | 651-636-6777 |
White Bear Lake, 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 | $1,371 |
Driver's Failure In Showing Documents | +$127 | $1,440 |
Driving With An Expired Registration | +$135 | $1,448 |
Driving At A Considerably Slow Pace | +$285 | $1,598 |
Using A Cellphone While Driving | +$301 | $1,614 |
Running A Red Light | +$306 | $1,619 |
Speeding | +$322 | $1,635 |
Driving A Vehicle Without The Required Permission | +$408 | $1,721 |
Driving With An Expired/Suspended License | +$885 | $2,198 |
White Bear Lake, 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 | $1,260 |
Active Disabling Device | $1,260 |
Tracking Device | $1,234 |
Passive Disabling Device | $1,221 |
Latest Auto Insurance Reviews in White Bear Lake, MN | Back to Top

I haven't had to deal with any customer service using this company. I usually just call my local agent if I need anything.

I haven't had to deal with any customer service using this company. I usually just call my local agent if I need anything.

All the companies we tried to compare our insurance to were so much higher than what we were paying. I have tried to shop around with about 20 other competitors and none ever came close to what they could offer.

I feel their premium is on par with other insurance companies. I was able to adjust my premiums when needed, i lowered them when I drove more, and raised them when I was driving less.