For drivers with at-fault accidents, one of the more important things that aid in calculating the price you pay for insurance is where you live in Minneapolis. Cities with larger populations tend to pay more, whereas areas with less people or fewer weather incidents benefit from lower prices.
The illustration below shows the highest-priced areas in Minnesota for drivers with accidents to buy auto insurance in. Minneapolis makes the list at #1 with an annual premium of $2,079 for the average policyholder, which is about $173 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Minneapolis | $2,079 |
| 2 | Saint Paul | $2,049 |
| 3 | Maplewood | $2,005 |
| 4 | Bloomington | $1,809 |
| 5 | Blaine | $1,801 |
| 6 | Richfield | $1,796 |
| 7 | Duluth | $1,794 |
| 8 | Saint Louis Park | $1,772 |
| 9 | Brooklyn Park | $1,762 |
| 10 | Edina | $1,759 |
| 11 | Coon Rapids | $1,756 |
| 12 | Woodbury | $1,748 |
| 13 | Eagan | $1,729 |
| 14 | Plymouth | $1,714 |
| 15 | Burnsville | $1,709 |
| 16 | Eden Prairie | $1,706 |
| 17 | Minnetonka | $1,706 |
| 18 | Lakeville | $1,700 |
| 19 | Maple Grove | $1,673 |
| 20 | Apple Valley | $1,663 |
| 21 | Shakopee | $1,659 |
| 22 | Saint Cloud | $1,652 |
| 23 | Rochester | $1,623 |
| 24 | Mankato | $1,519 |
| 25 | Moorhead | $1,504 |
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Rate quotes are estimated as the specific area where the vehicle is garaged can lower or raise prices substantially.
Establishing which companies quote the most affordable car insurance rates for drivers with accidents will take a bit more effort in order to find the best price. Every insurance company has a different process to set policy rates, so let’s look at the rankings for the car insurance companies with the overall cheapest rates in Minneapolis, MN.
It’s important that you understand Minneapolis car insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Simply turning a year older, getting divorced, or getting a couple of tickets may cause policy rate changes that may make certain companies cheaper in comparison to the competition.
Best Auto Insurance Prices for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $661 |
| 2 | USAA | $807 |
| 3 | Farm Bureau Mutual | $829 |
| 4 | Western National | $901 |
| 5 | The Hartford | $926 |
| 6 | West Bend Mutual | $981 |
| 7 | Allied | $1,210 |
| 8 | California Casualty | $1,214 |
| 9 | American Family | $1,242 |
| 10 | State Farm | $1,250 |
| 11 | General Casualty | $1,313 |
| 12 | Auto-Owners | $1,321 |
| 13 | Auto Club Group | $1,352 |
| 14 | Nationwide | $1,378 |
| 15 | Farmers | $1,407 |
| 16 | North Star | $1,446 |
| 17 | Progressive | $1,463 |
| 18 | Country | $1,470 |
| 19 | Allstate | $1,481 |
| 20 | MetLife | $1,596 |
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Travelers generally has some of the best car insurance rates in Minneapolis at around $661 a year. This is $760 less than the average policy premium paid by Minnesota drivers of $1,421. USAA, Farm Bureau Mutual, Western National, and The Hartford also qualify as some of the cheaper Minneapolis, MN insurance companies.
As shown in the rates above, if you have coverage with USAA and switched to Travelers, you may realize a yearly price reduction of about $146. Minnesota drivers with Farm Bureau Mutual could save as much as $168 a year, and Western National insureds might lower prices by up to $240 a year.
These premium estimates are averages across all drivers and vehicles in Minnesota and and are not figured with an exact vehicle garaging location for drivers with accidents. So the auto insurance company that has the lowest price for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
Cautious drivers save money
The ideal way to find cheap car insurance premiums in Minnesota for drivers with at-fault accidents is to pay attention while driving and maintain a clean driving record. The information below shows how traffic citations and accidents can impact insurance premiums for each different age group. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The chart shows that the average cost of car insurance per year with no accidents or violations is $1,024. Receive two speeding tickets and the average cost jumps to $1,445, an increase of $420 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for drivers with accidents increases to an average of $3,204. That’s an increase of $2,179, or $182 per month, just for being a little careless behind the wheel!
The chart below shows how choosing a deductible can influence annual premium costs when trying to find cheap insurance for drivers with accidents. The prices are based on a single female driver, full coverage, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could lower rates by $252 a year by changing from a $100 deductible up to a $500 deductible, or save $380 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, can save $638 or more by selecting a higher deductible.
When using a larger deductible, it’s a good idea to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to find low-cost insurance for drivers with accidents
Here are many money-saving solutions that can help you buy lower-cost coverage.
- Avoid preventable accidents
- Save money by bundling your home and auto policies
- Remove physical damage coverage on older vehicles
- Drivers with good credit often pay less
- Buy vehicles with five-star safety ratings
- Shop around for cheaper rates regularly
The last item on the list is incredibly critical, as was affirmed in this article. Coverage rates fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if a better rate can be found. Sticking with a specific company is fine, but we do not recommend it if that loyalty ends up costing a small fortune. In less than five minutes you could compare rates to find cheaper car insurance for drivers with accidents in Minneapolis.
The agents below can most likely help you make a decision which coverage meets your needs best, since many people would rather have some advice when buying car insurance for drivers with accidents. It can be difficult to find the best coverage on your own, and insurance agents can provide comfort knowing your coverage gives you enough coverage when you need it. To locate an agency nearest to you, click the button after the list.
- State Farm: Seth Bork Insurance Agency Incorporated
8347 University Ave NE D – Minneapolis, MN 55432 – (763) 780-2222 - Minneapolis Insurance Specialists Team
333 N Washington Ave – Minneapolis, MN 55401 – (612) 460-7796 - Glover Insurance Agency
2520 NE Lowry Ave – Minneapolis, MN 55411 – (612) 284-3227