One of the more important things that help determine car insurance rates is where you live in Minneapolis. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas that tend to be more rural receive better rates.
The illustration below ranks the most expensive places in Minnesota for drivers with a DUI to purchase a policy in. Minneapolis makes the list at #2 with a yearly premium of $2,058 for coverage, which is about $172 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Saint Paul | $2,070 |
| 2 | Minneapolis | $2,058 |
| 3 | Maplewood | $1,985 |
| 4 | Brooklyn Park | $1,816 |
| 5 | Richfield | $1,814 |
| 6 | Bloomington | $1,792 |
| 7 | Duluth | $1,777 |
| 8 | Saint Louis Park | $1,754 |
| 9 | Coon Rapids | $1,739 |
| 10 | Blaine | $1,731 |
| 11 | Burnsville | $1,726 |
| 12 | Maple Grove | $1,724 |
| 13 | Plymouth | $1,714 |
| 14 | Eagan | $1,712 |
| 15 | Shakopee | $1,710 |
| 16 | Edina | $1,707 |
| 17 | Saint Cloud | $1,702 |
| 18 | Lakeville | $1,700 |
| 19 | Woodbury | $1,697 |
| 20 | Eden Prairie | $1,655 |
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Rates are approximated as the specific Minneapolis residence address can decrease or increase coverage prices substantially.
The make and model of vehicle driven is one of the largest considerations that determines whether or not you find affordable coverage for drivers with a DUI. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost more to insure than safer models. The information below presents auto insurance premiums for a number of the most budget-friendly automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,035 |
| Honda CR-V EX 2WD | $2,043 |
| Honda Odyssey LX | $2,233 |
| Chevrolet Silverado LS Regular Cab 4WD | $2,242 |
| Ford F-150 XL Crew Cab 4WD | $2,325 |
| Ford Escape XLT 2WD | $2,363 |
| Honda Accord EX 4-Dr Sedan | $2,370 |
| Ford Edge SEL 2WD | $2,366 |
| Chevrolet Equinox LS AWD | $2,412 |
| Dodge Grand Caravan Hero | $2,422 |
| Ford Fusion SEL 4-Dr Sedan | $2,588 |
| Honda Civic DX 4-Dr Sedan | $2,612 |
| Toyota Prius | $2,628 |
| Ford Explorer XLT 2WD | $2,645 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $2,658 |
| Toyota RAV4 4WD | $2,661 |
| Chevrolet Malibu Hybrid | $2,667 |
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Table data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in specific location which can change rates substantially.
Looking at the rates, you can infer that makes and models like the Hyundai Elantra, Honda CR-V, Honda Odyssey, and Chevrolet Silverado are some of the cheaper vehicles to insure after getting a DUI. Rates will tend to be higher because of the fact that there is a higher risk for drivers with a DUI, but overall those models will probably have the lowest prices available.
Buying coverage from the top car insurance provider can be a challenge considering how many companies there are to choose from in Minnesota. The ranking data displayed below can help you pick which car insurance companies you want to consider comparing rates with.
The ratings below are for large insurance companies, so companies that have a smaller presence will not be included in the list. To get price quotes from these top insurers and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below illustrates how your choice of deductibles can increase or decrease insurance prices when researching cheap insurance for drivers with a DUI. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $388 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $586 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could drop their prices up to $874 or even more just by choosing higher deductibles. When raising deductibles, it will be required to have enough savings to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Careless drivers pay higher rates
The easiest way to get affordable car insurance premiums in Minnesota after getting a DUI is to drive attentively and avoid tickets and accidents. The information below highlights how speeding tickets and at-fault collisions impact auto insurance rates for different insured age categories. The information is based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
In the example above, the average cost of an auto insurance policy in Minnesota per year with a clean driving record and no accidents is $1,426. Get two speeding tickets and the average cost rises to $1,906, an increase of $479 each year. Now get two accidents along with the two speeding tickets and the annual cost of car insurance for drivers with a DUI jumps again to an average of $3,776. That’s an increase of $2,350, or $196 per month, just for not being more responsible behind the wheel!