White Bear Lake Auto Insurance Rates, Quotes, Agents & Reviews in MN

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.

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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 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

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