Best Cheap Auto Insurance in Oakdale, MN (2021)

The average Oakdale, MN auto insurance rates are $388 per month. The minimum auto insurance in Oakdale is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Oakdale, 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 average commute length in Oakdale is 23.6 minutes
  • Average auto insurance rates in Oakdale, MN for senior drivers are $3,073 per year
  • The minimum auto insurance required in Oakdale, Minnesota is 30/60/10

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

Compare auto insurance in Oakdale to other Minnesota cities, including Bloomington auto insurance rates, Duluth auto insurance rates, and St. Cloud auto insurance rates to see how Oakdale, Minnesota auto insurance rates stack up.

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

Minimum Auto Insurance in Oakdale, Minnesota

Oakdale, 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 Oakdale, Minnesota.

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

Auto insurance rates in Oakdale, 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 Oakdale, 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 $3,496 $3,496 $3,393 $3,393 $8,014 $11,423 $4,282 $4,432
American Family $2,350 $2,350 $2,136 $2,136 $6,499 $9,309 $2,350 $2,632
Farmers $2,155 $2,149 $2,065 $2,198 $6,348 $6,411 $2,831 $2,706
GEICO $2,538 $2,513 $2,415 $2,348 $5,549 $7,002 $2,371 $2,486
Liberty Mutual $9,496 $9,496 $9,407 $9,407 $18,315 $27,293 $9,496 $13,071
Nationwide $2,064 $2,055 $1,843 $1,943 $5,484 $6,599 $2,450 $2,526
State Farm $1,734 $1,734 $1,570 $1,570 $3,943 $4,798 $2,002 $1,653
USAA $1,834 $1,796 $1,686 $1,660 $5,017 $5,426 $2,375 $2,491

Cheap Oakdale, Minnesota Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oakdale, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,014 $11,423
American Family $6,499 $9,309
Farmers $6,348 $6,411
GEICO $5,549 $7,002
Liberty Mutual $18,315 $27,293
Nationwide $5,484 $6,599
State Farm $3,943 $4,798
USAA $5,017 $5,426

Cheap Oakdale, Minnesota Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oakdale, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,393 $3,393
American Family $2,136 $2,136
Farmers $2,065 $2,198
GEICO $2,415 $2,348
Liberty Mutual $9,407 $9,407
Nationwide $1,843 $1,943
State Farm $1,570 $1,570
USAA $1,686 $1,660

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

Annual Oakdale, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,744 $5,537 $6,688 $4,995
American Family $2,510 $4,471 $5,057 $2,843
Farmers $2,875 $3,628 $3,683 $3,245
GEICO $2,278 $3,594 $5,298 $2,441
Liberty Mutual $9,476 $13,194 $20,108 $10,213
Nationwide $2,491 $3,286 $3,765 $2,940
State Farm $2,164 $2,588 $2,376 $2,376
USAA $2,067 $2,649 $3,969 $2,458

Cheap Oakdale, Minnesota Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oakdale, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,688
American Family $5,057
Farmers $3,683
GEICO $5,298
Liberty Mutual $20,108
Nationwide $3,765
State Farm $2,376
USAA $3,969

Cheap Oakdale, Minnesota Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oakdale, Minnesota

Insurance Company Poor Fair Good
Allstate $7,657 $4,182 $3,884
American Family $5,139 $3,349 $2,672
Farmers $4,201 $3,037 $2,836
GEICO $4,083 $3,342 $2,783
Liberty Mutual $18,453 $11,947 $9,343
Nationwide $3,714 $2,999 $2,649
State Farm $3,465 $2,118 $1,545
USAA $4,314 $2,153 $1,890

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Cheap Oakdale, Minnesota Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oakdale, Minnesota

ZIP Code Average Annual Rates
55128 $3,563

Cheap Oakdale, Minnesota Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oakdale, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,241 $5,241
American Family $3,677 $3,763
Farmers $3,358 $3,358
GEICO $3,356 $3,450
Liberty Mutual $12,870 $13,625
Nationwide $3,121 $3,121
State Farm $2,308 $2,443
USAA $2,749 $2,822

Cheap Oakdale, Minnesota Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oakdale, Minnesota

Insurance Company Low Medium High
Allstate $5,159 $5,237 $5,327
American Family $3,699 $3,820 $3,641
Farmers $3,216 $3,374 $3,484
GEICO $3,271 $3,402 $3,536
Liberty Mutual $12,878 $13,261 $13,604
Nationwide $2,936 $3,145 $3,281
State Farm $2,271 $2,387 $2,470
USAA $2,697 $2,784 $2,876

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Best By Category: Cheapest Auto Insurance in Oakdale, Minnesota

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

Best Annual Auto Insurance Rates by Company in Oakdale, 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 Oakdale, Minnesota Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oakdale, Minnesota

Insurance Company Average Annual Rates
Allstate $5,241
American Family $3,720
Farmers $3,358
GEICO $3,403
Liberty Mutual $13,248
Nationwide $3,121
State Farm $2,376
USAA $2,786

What affects auto insurance rates in Oakdale, Minnesota?

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

Oakdale Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oakdale, Minnesota commute length is 23.6 minutes according to City-Data.

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Compare Oakdale, Minnesota Auto Insurance Quotes

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