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.

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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

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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

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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

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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

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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

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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

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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

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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

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Latest Auto Insurance Reviews in White Bear Lake, MN | Back to Top