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

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

Zimlon, through its research, found that car owners in White Bear, 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, 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, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in White Bear, MN with that of other cities in and around White Bear.

White Bear Gem Lake North Oaks Birchwood Village Vadnais Heights Dellwood
Average Insurance Rates $1,350 $1,375 $1,560 $1,401 $1,324 $1,563

White Bear, 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, 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 $1,563 $1,320
White Bear Lake $1,240 $1,047
Dellwood $2,019 $1,705
Gem Lake $1,653 $1,396
Birchwood Village $1,012 $855
Mahtomedi $1,884 $1,591
North Oaks $2,017 $1,703
Vadnais Heights $1,405 $1,187

White Bear, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in White Bear, 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 $4,381
20 Years $1,735
30 Years $1,336
40 Years $1,285
50 Years $1,190
60 Years $1,207
70 Years $1,405

White Bear, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in White Bear, 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 $2,322 $378
3 Vehicles $3,483 $567
4 Vehicles $4,644 $756

Savings on 2 Vehicles bundle:$378

Savings on 3 Vehicles bundle:$567

Savings on 4 Vehicles bundle:$756


White Bear, 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, MN.

Location Average Insurance Cost Post DUI Insurance Rate
White Bear $1,350 $2,465
White Bear Lake $1,313 $2,397
Dellwood $1,563 $2,854
Gem Lake $1,375 $2,510
Birchwood Village $1,401 $2,558
Mahtomedi $1,379 $2,518
North Oaks $1,560 $2,848
Vadnais Heights $1,324 $2,417

White Bear, 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) $1,158
Excellent (740-799) $1,322
Good (670-739) $1,407
Average (580-669) $1,835
Poor (300-579) $2,202

White Bear, 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
Mary Kostelnik Farmers 2510 7th Ave E Apt 1, North Saint Paul, 55109 (651) 777-8108
Rdm Insurance Agency Inc. Liberty Mutual Independent 9201 Lexington Ave N, CIRCLE PINES, 55014 (763) 784-2426
Hal Tiffany Agency Inc Liberty Mutual Independent 2573 HAMLINE AVE N STE B, ROSEVILLE, 55113 (651) 484-4002
Keister & Keister Agency, Inc None 6750 Blvd N, Stillwater, 55082 None
Bw Insurance Agency Travelers 245 E ROSELAWN AVE 31, ST PAUL, 55117 651-488-0789
Tim Meyer State Farm 891 W Highway 96, Shoreview, 55126-1910 651-482-1140
Tom Johnson State Farm 2201 Lexington Ave N, Roseville, 55113-4313 651-487-4204
Aaron Runk State Farm 5691 Geneva Ave N, Oakdale, 55128-1018 651-770-1395
Paul Antony State Farm 2633 Innsbruck Dr Ste A, New Brighton, 55112-9306 651-633-8923

White Bear, 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 +$59 $1,409
Driver's Failure In Showing Documents +$131 $1,481
Driving With An Expired Registration +$139 $1,489
Driving At A Considerably Slow Pace +$293 $1,643
Using A Cellphone While Driving +$309 $1,659
Running A Red Light +$315 $1,665
Speeding +$331 $1,681
Driving A Vehicle Without The Required Permission +$420 $1,770
Driving With An Expired/Suspended License +$910 $2,260

White Bear, 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 $1,296
Active Disabling Device $1,296
Tracking Device $1,269
Passive Disabling Device $1,256