Affordable Car Insurance Rates in Lismore, MN (2021)
Car insurance rates in Lismore, MN are $345/month on average. By law, Minnesota drivers need to carry at least 30/60/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Lismore car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.