Best Cheap Auto Insurance in Shakopee, MN (2021)

The average Shakopee, MN auto insurance rates are $382 per month. The minimum auto insurance in Shakopee is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Shakopee, Minnesota, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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

  • Average auto insurance rates in Shakopee, MN for senior drivers are $3,021 per year
  • The minimum auto insurance required in Shakopee, Minnesota is 30/60/10
  • The cheapest auto insurance company in Shakopee is State Farm

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

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

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

Minimum Auto Insurance in Shakopee, Minnesota

Shakopee, 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 Shakopee, Minnesota.

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

Auto insurance rates in Shakopee, 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 Shakopee, 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 $3,192 $3,192 $3,078 $3,078 $7,311 $10,567 $3,882 $4,074
American Family $2,209 $2,209 $2,012 $2,012 $6,143 $8,751 $2,209 $2,467
Farmers $2,141 $2,139 $2,052 $2,184 $6,405 $6,494 $2,822 $2,776
GEICO $2,512 $2,488 $2,394 $2,327 $5,476 $6,911 $2,349 $2,463
Liberty Mutual $9,743 $9,743 $9,651 $9,651 $18,787 $27,995 $9,743 $13,408
Nationwide $2,036 $2,029 $1,817 $1,918 $5,397 $6,498 $2,414 $2,494
State Farm $1,558 $1,558 $1,411 $1,411 $3,563 $4,362 $1,802 $1,481
USAA $1,832 $1,793 $1,683 $1,657 $4,999 $5,405 $2,370 $2,485

Cheap Shakopee, Minnesota Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shakopee, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,311 $10,567
American Family $6,143 $8,751
Farmers $6,405 $6,494
GEICO $5,476 $6,911
Liberty Mutual $18,787 $27,995
Nationwide $5,397 $6,498
State Farm $3,563 $4,362
USAA $4,999 $5,405

Cheap Shakopee, Minnesota Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shakopee, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,078 $3,078
American Family $2,012 $2,012
Farmers $2,052 $2,184
GEICO $2,394 $2,327
Liberty Mutual $9,651 $9,651
Nationwide $1,817 $1,918
State Farm $1,411 $1,411
USAA $1,683 $1,657

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

Annual Shakopee, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,425 $5,060 $6,153 $4,548
American Family $2,356 $4,239 $4,745 $2,667
Farmers $2,889 $3,644 $3,699 $3,275
GEICO $2,249 $3,553 $5,249 $2,409
Liberty Mutual $9,716 $13,533 $20,639 $10,472
Nationwide $2,454 $3,238 $3,712 $2,897
State Farm $1,952 $2,334 $2,143 $2,143
USAA $2,062 $2,643 $3,955 $2,452

Cheap Shakopee, Minnesota Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shakopee, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,153
American Family $4,745
Farmers $3,699
GEICO $5,249
Liberty Mutual $20,639
Nationwide $3,712
State Farm $2,143
USAA $3,955

Cheap Shakopee, Minnesota Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Shakopee, Minnesota

Insurance Company Poor Fair Good
Allstate $7,011 $3,823 $3,555
American Family $4,840 $3,152 $2,512
Farmers $4,191 $3,069 $2,870
GEICO $4,038 $3,305 $2,752
Liberty Mutual $18,931 $12,256 $9,583
Nationwide $3,657 $2,956 $2,614
State Farm $3,124 $1,911 $1,394
USAA $4,301 $2,147 $1,886

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Cheap Shakopee, Minnesota Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Shakopee, Minnesota

ZIP Code Average Annual Rates
55379 $3,507

Cheap Shakopee, Minnesota Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Shakopee, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,797 $4,797
American Family $3,461 $3,542
Farmers $3,377 $3,377
GEICO $3,318 $3,412
Liberty Mutual $13,203 $13,977
Nationwide $3,075 $3,075
State Farm $2,083 $2,204
USAA $2,742 $2,814

Cheap Shakopee, Minnesota Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Shakopee, Minnesota

Insurance Company Low Medium High
Allstate $4,725 $4,794 $4,871
American Family $3,474 $3,594 $3,436
Farmers $3,245 $3,392 $3,492
GEICO $3,245 $3,365 $3,485
Liberty Mutual $13,197 $13,604 $13,968
Nationwide $2,890 $3,105 $3,232
State Farm $2,041 $2,154 $2,235
USAA $2,692 $2,777 $2,866

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Best By Category: Cheapest Auto Insurance in Shakopee, Minnesota

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

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

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

Average Annual Auto Insurance Rates by Company in Shakopee, Minnesota

Insurance Company Average Annual Rates
Allstate $4,797
American Family $3,502
Farmers $3,377
GEICO $3,365
Liberty Mutual $13,590
Nationwide $3,075
State Farm $2,143
USAA $2,778

What affects auto insurance rates in Shakopee, Minnesota?

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

Shakopee Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Shakopee, Minnesota commute length is 23.3 minutes according to City-Data.

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Compare Shakopee, Minnesota Auto Insurance Quotes

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