Best Cheap Auto Insurance in Dayton, MN (2021)

The average Dayton, MN auto insurance rates are $383 per month. The minimum auto insurance in Dayton is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Dayton, Minnesota, compare quotes from multiple companies.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Dayton, Minnesota is 30/60/10
  • The cheapest auto insurance company in Dayton is State Farm
  • Average auto insurance rates in Dayton, MN for senior drivers are $3,028 per year

Dayton, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Dayton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Dayton, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Dayton to other Minnesota cities, including Plymouth auto insurance rates, Rochester auto insurance rates, and Bloomington auto insurance rates to see how Dayton, Minnesota auto insurance rates stack up.

Before you buy Dayton, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Dayton, Minnesota auto insurance quotes.

Minimum Auto Insurance in Dayton, Minnesota

Dayton, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Dayton, Minnesota.

Minimum Required Auto Insurance Coverage in Dayton, 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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Cheap Dayton, Minnesota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Dayton, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Dayton, 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 $3,084 $3,084 $2,982 $2,982 $7,050 $10,120 $3,763 $3,922
American Family $2,276 $2,276 $2,071 $2,071 $6,319 $9,022 $2,276 $2,544
Farmers $2,073 $2,076 $1,995 $2,123 $6,107 $6,238 $2,735 $2,690
GEICO $2,527 $2,503 $2,406 $2,339 $5,512 $6,962 $2,363 $2,475
Liberty Mutual $9,742 $9,742 $9,648 $9,648 $19,018 $28,462 $9,742 $13,502
Nationwide $2,167 $2,162 $1,932 $2,042 $5,702 $6,876 $2,564 $2,651
State Farm $1,639 $1,639 $1,474 $1,474 $3,634 $4,434 $1,890 $1,565
USAA $1,792 $1,758 $1,644 $1,621 $4,893 $5,306 $2,322 $2,441

Cheap Dayton, Minnesota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Dayton, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in Dayton, Minnesota.

Annual Auto Insurance Rates for Teen Drivers in Dayton, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,050 $10,120
American Family $6,319 $9,022
Farmers $6,107 $6,238
GEICO $5,512 $6,962
Liberty Mutual $19,018 $28,462
Nationwide $5,702 $6,876
State Farm $3,634 $4,434
USAA $4,893 $5,306

Cheap Dayton, Minnesota Auto Insurance for Seniors

What are senior auto insurance rates in Dayton, Minnesota? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Dayton, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,982 $2,982
American Family $2,071 $2,071
Farmers $1,995 $2,123
GEICO $2,406 $2,339
Liberty Mutual $9,648 $9,648
Nationwide $1,932 $2,042
State Farm $1,474 $1,474
USAA $1,644 $1,621

Cheap Dayton, Minnesota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Dayton, Minnesota compared to the annual auto insurance rates with a clean record in Dayton, Minnesota.

Annual Dayton, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,319 $4,883 $5,891 $4,401
American Family $2,430 $4,351 $4,895 $2,752
Farmers $2,792 $3,495 $3,554 $3,178
GEICO $2,263 $3,575 $5,280 $2,425
Liberty Mutual $9,933 $13,710 $20,401 $10,708
Nationwide $2,598 $3,436 $3,943 $3,072
State Farm $2,030 $2,407 $2,219 $2,219
USAA $2,020 $2,587 $3,879 $2,402

Cheap Dayton, Minnesota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Dayton, Minnesota is not easy. Compare the annual rates for DUI auto insurance in Dayton, Minnesota to find the best deal.

Annual Auto Insurance Rates After a DUI in Dayton, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,891
American Family $4,895
Farmers $3,554
GEICO $5,280
Liberty Mutual $20,401
Nationwide $3,943
State Farm $2,219
USAA $3,879

Cheap Dayton, Minnesota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Dayton, Minnesota annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Dayton, Minnesota

Insurance Company Poor Fair Good
Allstate $6,763 $3,685 $3,423
American Family $4,989 $3,245 $2,587
Farmers $4,035 $2,960 $2,769
GEICO $4,063 $3,326 $2,769
Liberty Mutual $19,078 $12,341 $9,645
Nationwide $3,884 $3,133 $2,770
State Farm $3,234 $1,978 $1,443
USAA $4,226 $2,099 $1,841

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Cheap Dayton, Minnesota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Dayton, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in Dayton, Minnesota to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Dayton, Minnesota

ZIP Code Average Annual Rates
55327 $3,517

Cheap Dayton, Minnesota Auto Insurance Rates By Commute

Commute length and annual mileage affect Dayton, Minnesota auto insurance. Find the cheapest annual Dayton, Minnesota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Dayton, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,624 $4,624
American Family $3,565 $3,648
Farmers $3,255 $3,255
GEICO $3,339 $3,433
Liberty Mutual $13,291 $14,085
Nationwide $3,262 $3,262
State Farm $2,156 $2,281
USAA $2,687 $2,757

Cheap Dayton, Minnesota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Dayton, Minnesota? Check out the comparison of annual Dayton, Minnesota auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Dayton, Minnesota

Insurance Company Low Medium High
Allstate $4,550 $4,621 $4,700
American Family $3,580 $3,702 $3,537
Farmers $3,120 $3,272 $3,372
GEICO $3,262 $3,386 $3,510
Liberty Mutual $13,301 $13,706 $14,057
Nationwide $3,064 $3,288 $3,435
State Farm $2,122 $2,228 $2,306
USAA $2,639 $2,720 $2,807

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Best By Category: Cheapest Auto Insurance in Dayton, Minnesota

Compare the cheapest auto insurance companies in Dayton, Minnesota in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Dayton, Minnesota

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

The Cheapest Dayton, Minnesota Auto Insurance Companies

What auto insurance companies in Dayton, Minnesota are the cheapest? Compare the top Dayton, Minnesota auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Dayton, Minnesota

Insurance Company Average Annual Rates
Allstate $4,624
American Family $3,607
Farmers $3,255
GEICO $3,386
Liberty Mutual $13,688
Nationwide $3,262
State Farm $2,219
USAA $2,722

What affects auto insurance rates in Dayton, Minnesota?

There are a lot of reasons why auto insurance rates in Dayton, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Dayton, Minnesota. Many local factors may affect your Dayton auto insurance rates.

Dayton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Dayton, Minnesota commute length is 27.0 minutes according to City-Data.

Dayton Traffic

How does Dayton, Minnesota rank for traffic? According to Inrix Dayton, Minnesota is the 367th most congested worldwide.

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Compare Dayton, Minnesota Auto Insurance Quotes

Before you buy Dayton, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Dayton, Minnesota auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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