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

  • The cheapest car insurance company in Roseau for teen drivers is State Farm
  • Average car insurance rates in Roseau, MN for senior drivers are $2,870/year
  • Average car insurance rates in Roseau, MN are $362/month

Average car insurance rates in Roseau, Minnesota are $362 a month. But with a little research you can get a great deal from the top car insurance companies in Roseau, MN. Before you buy Roseau, Minnesota car insurance, make sure your coverage meets or exceeds the Minnesota minimum of 30/60/10.

It may even be helpful to compare Roseau car insurance rates with Woodbury car insurance rates, Plymouth car insurance rates, or Maple Grove car insurance rates to make sure you’re getting the best Roseau, MN car insurance quotes available.

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

Roseau, MN Minimum Car Insurance Coverage

Roseau, 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 Roseau, 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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Roseau, MN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Roseau, Minnesota

Insurance Company Low Medium High
Allstate $4,289 $4,342 $4,403
American Family $3,458 $3,556 $3,363
Farmers $2,672 $2,769 $2,841
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,675 $12,952 $13,207
Nationwide $2,660 $2,815 $2,917
State Farm $1,895 $1,968 $2,025
USAA $2,832 $2,908 $2,991

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Roseau, 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 $2,900 $2,900 $2,776 $2,776 $6,576 $9,597 $3,517 $3,717
American Family $2,201 $2,201 $1,992 $1,992 $5,936 $8,657 $2,201 $2,493
Farmers $1,813 $1,807 $1,743 $1,834 $5,104 $5,103 $2,363 $2,319
GEICO $2,756 $2,737 $2,639 $2,565 $5,625 $7,173 $2,585 $2,657
Liberty Mutual $9,075 $9,075 $8,983 $8,983 $18,171 $27,432 $9,075 $12,762
Nationwide $1,909 $1,932 $1,694 $1,808 $4,713 $5,778 $2,221 $2,325
State Farm $1,487 $1,487 $1,310 $1,310 $3,103 $3,854 $1,728 $1,424
USAA $1,931 $1,933 $1,747 $1,764 $5,057 $5,589 $2,537 $2,724

Roseau, MN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Roseau, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,576 $9,597
American Family $5,936 $8,657
Farmers $5,104 $5,103
GEICO $5,625 $7,173
Liberty Mutual $18,171 $27,432
Nationwide $4,713 $5,778
State Farm $3,103 $3,854
USAA $5,057 $5,589

Roseau, MN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Roseau, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,776 $2,776
American Family $1,992 $1,992
Farmers $1,743 $1,834
GEICO $2,639 $2,565
Liberty Mutual $8,983 $8,983
Nationwide $1,694 $1,808
State Farm $1,310 $1,310
USAA $1,747 $1,764

Roseau, MN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Roseau, Minnesota

Insurance Company Poor Fair Good
Allstate $6,390 $3,447 $3,197
American Family $4,689 $3,147 $2,542
Farmers $3,454 $2,496 $2,332
GEICO $4,314 $3,524 $2,938
Liberty Mutual $18,046 $11,670 $9,119
Nationwide $3,328 $2,680 $2,385
State Farm $2,862 $1,750 $1,277
USAA $4,610 $2,213 $1,908

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Roseau, MN Car Insurance Rates by Driver History

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

Annual Roseau, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,194 $4,577 $5,468 $4,140
American Family $2,323 $4,193 $4,687 $2,634
Farmers $2,360 $2,986 $3,017 $2,680
GEICO $2,372 $3,788 $5,666 $2,541
Liberty Mutual $9,723 $13,139 $18,427 $10,489
Nationwide $2,209 $2,949 $3,403 $2,629
State Farm $1,816 $2,109 $1,963 $1,963
USAA $2,163 $2,741 $4,159 $2,578

Roseau, MN Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Roseau, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,468
American Family $4,687
Farmers $3,017
GEICO $5,666
Liberty Mutual $18,427
Nationwide $3,403
State Farm $1,963
USAA $4,159

Roseau, MN Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Roseau, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,345 $4,345
American Family $3,419 $3,500
Farmers $2,761 $2,761
GEICO $3,546 $3,638
Liberty Mutual $12,555 $13,334
Nationwide $2,798 $2,798
State Farm $1,912 $2,014
USAA $2,872 $2,948

Roseau, MN Cheapest Car Insurance Rates

How do the top Roseau, Minnesota car insurance companies’ average rates stack up against the Roseau average monthly car insurance rates of $362? Take a look and see.

Best Annual Car Insurance Rates by Company in Roseau, 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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Roseau, MN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Roseau, Minnesota

Insurance Company Average Annual Rates
Allstate $4,345
American Family $3,459
Farmers $2,761
GEICO $3,592
Liberty Mutual $12,945
Nationwide $2,798
State Farm $1,963
USAA $2,910

Other Factors Affecting Roseau, MN Car Insurance Rates

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

Roseau, MN Commute Time

How does your Roseau, MN commute time compare with the average driver? In Roseau, the average commute is 13.6 minutes.

Roseau, MN Car Insurance Quotes

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