Best Cheap Auto Insurance in Montrose, MN (2021)

The average Montrose, MN auto insurance rates are $383 per month. The minimum auto insurance in Montrose is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Montrose, 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 cheapest auto insurance company in Montrose is State Farm
  • The minimum auto insurance required in Montrose, Minnesota is 30/60/10
  • Average auto insurance rates in Montrose, MN for senior drivers are $3,054 per year

Montrose, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Montrose 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 Montrose, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Montrose to other Minnesota cities, including St. Paul auto insurance rates, Rochester auto insurance rates, and Woodbury auto insurance rates to see how Montrose, Minnesota auto insurance rates stack up.

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

Minimum Auto Insurance in Montrose, Minnesota

Montrose, 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 Montrose, Minnesota.

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

Auto insurance rates in Montrose, 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 Montrose, 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 $3,017 $3,017 $2,916 $2,916 $6,867 $9,859 $3,676 $3,836
American Family $2,225 $2,225 $2,019 $2,019 $6,119 $8,843 $2,225 $2,510
Farmers $2,338 $2,329 $2,254 $2,372 $6,580 $6,593 $3,045 $2,906
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $9,742 $9,742 $9,648 $9,648 $19,018 $28,462 $9,742 $13,502
Nationwide $2,020 $2,027 $1,799 $1,908 $5,169 $6,269 $2,373 $2,465
State Farm $1,558 $1,558 $1,400 $1,400 $3,438 $4,190 $1,793 $1,488
USAA $1,813 $1,790 $1,657 $1,650 $4,804 $5,231 $2,355 $2,494

Cheap Montrose, Minnesota Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Montrose, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,867 $9,859
American Family $6,119 $8,843
Farmers $6,580 $6,593
GEICO $5,874 $7,453
Liberty Mutual $19,018 $28,462
Nationwide $5,169 $6,269
State Farm $3,438 $4,190
USAA $4,804 $5,231

Cheap Montrose, Minnesota Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Montrose, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,916 $2,916
American Family $2,019 $2,019
Farmers $2,254 $2,372
GEICO $2,666 $2,591
Liberty Mutual $9,648 $9,648
Nationwide $1,799 $1,908
State Farm $1,400 $1,400
USAA $1,657 $1,650

Cheap Montrose, 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 Montrose, Minnesota compared to the annual auto insurance rates with a clean record in Montrose, Minnesota.

Annual Montrose, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,238 $4,766 $5,757 $4,292
American Family $2,367 $4,262 $4,780 $2,683
Farmers $3,037 $3,839 $3,899 $3,433
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $9,933 $13,710 $20,401 $10,708
Nationwide $2,385 $3,164 $3,639 $2,826
State Farm $1,926 $2,280 $2,103 $2,103
USAA $2,024 $2,577 $3,888 $2,409

Cheap Montrose, Minnesota Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Montrose, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,757
American Family $4,780
Farmers $3,899
GEICO $5,782
Liberty Mutual $20,401
Nationwide $3,639
State Farm $2,103
USAA $3,888

Cheap Montrose, Minnesota Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Montrose, Minnesota

Insurance Company Poor Fair Good
Allstate $6,596 $3,598 $3,346
American Family $4,794 $3,201 $2,575
Farmers $4,471 $3,199 $2,986
GEICO $4,422 $3,616 $3,012
Liberty Mutual $19,078 $12,341 $9,645
Nationwide $3,575 $2,882 $2,555
State Farm $3,066 $1,875 $1,368
USAA $4,235 $2,104 $1,834

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Cheap Montrose, Minnesota Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Montrose, Minnesota

ZIP Code Average Annual Rates
55363 $3,526

Cheap Montrose, Minnesota Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Montrose, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,513 $4,513
American Family $3,482 $3,564
Farmers $3,552 $3,552
GEICO $3,634 $3,733
Liberty Mutual $13,291 $14,085
Nationwide $3,004 $3,004
State Farm $2,044 $2,162
USAA $2,688 $2,760

Cheap Montrose, Minnesota Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Montrose, Minnesota

Insurance Company Low Medium High
Allstate $4,440 $4,510 $4,590
American Family $3,508 $3,619 $3,443
Farmers $3,414 $3,567 $3,675
GEICO $3,563 $3,682 $3,805
Liberty Mutual $13,301 $13,706 $14,057
Nationwide $2,833 $3,025 $3,153
State Farm $2,010 $2,112 $2,187
USAA $2,638 $2,723 $2,812

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Best By Category: Cheapest Auto Insurance in Montrose, Minnesota

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

Best Annual Auto Insurance Rates by Company in Montrose, 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

The Cheapest Montrose, Minnesota Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Montrose, Minnesota

Insurance Company Average Annual Rates
Allstate $4,513
American Family $3,523
Farmers $3,552
GEICO $3,683
Liberty Mutual $13,688
Nationwide $3,004
State Farm $2,103
USAA $2,724

What affects auto insurance rates in Montrose, Minnesota?

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

Montrose Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Montrose, Minnesota commute length is 36.4 minutes according to City-Data.

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Compare Montrose, Minnesota Auto Insurance Quotes

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

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

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