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