Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Lismore, MN for senior drivers are $2,731/year
  • The cheapest car insurance company in Lismore after a DUI is State Farm
  • The cheapest car insurance company in Lismore for teen drivers is State Farm

Average car insurance rates in Lismore, Minnesota are $345 a month. But with a little research you can get a great deal from the top car insurance companies in Lismore, MN. Before you buy Lismore, Minnesota car insurance, make sure your coverage meets or exceeds the Minnesota minimum of 30/60/10.

It may even be helpful to compare Lismore car insurance rates with St. Cloud car insurance rates, St. Paul car insurance rates, or Plymouth car insurance rates to make sure you’re getting the best Lismore, MN car insurance quotes available.

Need affordable Lismore, MN car insurance? Enter your ZIP code to compare Lismore car insurance quotes from multiple car insurance companies near you.

Lismore, MN Minimum Car Insurance Coverage

Lismore, Minnesota law requires drivers carry a minimum of 30/60/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lismore, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Lismore, MN Car Insurance Rates by Coverage Level

Some Lismore drivers can get by with the Minnesota minimum coverage of 30/60/10. Other drivers may need more. See how much your Lismore, Minnesota car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lismore, Minnesota

Insurance Company Low Medium High
Allstate $4,150 $4,202 $4,267
American Family $3,309 $3,406 $3,228
Farmers $2,916 $3,038 $3,124
GEICO $3,092 $3,185 $3,283
Liberty Mutual $11,943 $12,230 $12,494
Nationwide $2,584 $2,738 $2,841
State Farm $1,732 $1,804 $1,861
USAA $2,547 $2,618 $2,695

Lismore, MN Car Insurance Rates by Age, Gender, and Marital Status

Lismore, Minnesota car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lismore, MN car insurance, get quotes from multiple car insurance companies in the Lismore area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lismore, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,801 $2,801 $2,694 $2,694 $6,399 $9,271 $3,411 $3,579
American Family $2,111 $2,111 $1,913 $1,913 $5,695 $8,274 $2,111 $2,384
Farmers $1,951 $1,949 $1,873 $1,986 $5,651 $5,719 $2,564 $2,515
GEICO $2,420 $2,401 $2,313 $2,248 $5,064 $6,431 $2,267 $2,347
Liberty Mutual $8,649 $8,649 $8,564 $8,564 $17,050 $25,601 $8,649 $12,054
Nationwide $1,832 $1,849 $1,630 $1,733 $4,650 $5,685 $2,147 $2,243
State Farm $1,353 $1,353 $1,200 $1,200 $2,876 $3,549 $1,568 $1,295
USAA $1,743 $1,737 $1,582 $1,590 $4,569 $5,027 $2,279 $2,435

Lismore, MN Car Insurance Rates for Teens

How much is Lismore, Minnesota car insurance for teens? Compare rates from top Lismore car insurance companies below to help find the cheapest teen car insurance in Lismore, MN.

Annual Car Insurance Rates for Teen Drivers in Lismore, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,399 $9,271
American Family $5,695 $8,274
Farmers $5,651 $5,719
GEICO $5,064 $6,431
Liberty Mutual $17,050 $25,601
Nationwide $4,650 $5,685
State Farm $2,876 $3,549
USAA $4,569 $5,027

Lismore, MN Car Insurance Rates for Seniors

Before seniors buy Lismore, Minnesota car insurance, they should make sure to shop around. Some Lismore, MN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lismore, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,694 $2,694
American Family $1,913 $1,913
Farmers $1,873 $1,986
GEICO $2,313 $2,248
Liberty Mutual $8,564 $8,564
Nationwide $1,630 $1,733
State Farm $1,200 $1,200
USAA $1,582 $1,590

Lismore, MN Car Insurance Rates by Credit History

How does your credit history affect Lismore, MN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lismore, Minnesota

Insurance Company Poor Fair Good
Allstate $6,170 $3,346 $3,103
American Family $4,515 $3,005 $2,422
Farmers $3,766 $2,745 $2,567
GEICO $3,826 $3,128 $2,606
Liberty Mutual $17,039 $11,018 $8,610
Nationwide $3,232 $2,611 $2,320
State Farm $2,623 $1,605 $1,171
USAA $4,124 $2,002 $1,733

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Lismore, MN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lismore, Minnesota car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lismore.

Annual Lismore, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,060 $4,432 $5,325 $4,008
American Family $2,221 $4,038 $4,480 $2,517
Farmers $2,594 $3,260 $3,301 $2,948
GEICO $2,114 $3,362 $5,005 $2,265
Liberty Mutual $8,985 $12,304 $17,909 $9,691
Nationwide $2,161 $2,866 $3,297 $2,560
State Farm $1,659 $1,940 $1,799 $1,799
USAA $1,948 $2,472 $3,739 $2,320

Lismore, MN Car Insurance Rates With a DUI

Even a single DUI can increase your Lismore, MN car insurance rates. Compare rates below to see which Lismore car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lismore, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,325
American Family $4,480
Farmers $3,301
GEICO $5,005
Liberty Mutual $17,909
Nationwide $3,297
State Farm $1,799
USAA $3,739

Lismore, MN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lismore, MN car insurance rates may be. Let’s take a look at average car insurance rates from top Lismore companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lismore, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,206 $4,206
American Family $3,275 $3,353
Farmers $3,026 $3,026
GEICO $3,144 $3,229
Liberty Mutual $11,863 $12,582
Nationwide $2,721 $2,721
State Farm $1,752 $1,847
USAA $2,586 $2,654

Lismore, MN Cheapest Car Insurance Rates

How do the top Lismore, Minnesota car insurance companies’ average rates stack up against the Lismore average monthly car insurance rates of $345? Take a look and see.

Best Annual Car Insurance Rates by Company in Lismore, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Lismore, MN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lismore, Minnesota car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lismore, Minnesota

Insurance Company Average Annual Rates
Allstate $4,206
American Family $3,314
Farmers $3,026
GEICO $3,186
Liberty Mutual $12,222
Nationwide $2,721
State Farm $1,799
USAA $2,620

Other Factors Affecting Lismore, MN Car Insurance Rates

Before you buy Lismore, Minnesota car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lismore, MN Commute Time

How does your Lismore, MN commute time compare with the average driver? In Lismore, the average commute is 25.7 minutes.

Lismore, MN Car Insurance Quotes

Compare Lismore, MN car insurance quotes from multiple companies by entering your ZIP code now.