Best Cheap Auto Insurance in Springfield, MN (2021)

The average Springfield, MN auto insurance rates are $336 per month. The minimum auto insurance in Springfield is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Springfield, 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

  • The minimum auto insurance required in Springfield, Minnesota is 30/60/10
  • The cheapest auto insurance company in Springfield is State Farm
  • Average auto insurance rates in Springfield, MN for senior drivers are $2,667 per year

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

Compare auto insurance in Springfield to other Minnesota cities, including Maple Grove auto insurance rates, Duluth auto insurance rates, and Brooklyn Park auto insurance rates to see how Springfield, Minnesota auto insurance rates stack up.

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

Minimum Auto Insurance in Springfield, Minnesota

Springfield, 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 Springfield, Minnesota.

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

Auto insurance rates in Springfield, 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 Springfield, 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 $2,751 $2,751 $2,646 $2,646 $6,317 $9,172 $3,346 $3,517
American Family $2,082 $2,082 $1,885 $1,885 $5,592 $8,161 $2,082 $2,359
Farmers $1,679 $1,673 $1,615 $1,707 $4,751 $4,763 $2,188 $2,070
GEICO $2,420 $2,401 $2,313 $2,248 $5,064 $6,431 $2,267 $2,347
Liberty Mutual $8,649 $8,649 $8,564 $8,564 $17,050 $25,601 $8,649 $12,054
Nationwide $1,823 $1,831 $1,625 $1,722 $4,678 $5,684 $2,143 $2,228
State Farm $1,281 $1,281 $1,136 $1,136 $2,729 $3,380 $1,487 $1,225
USAA $1,636 $1,631 $1,484 $1,494 $4,214 $4,636 $2,134 $2,282

Cheap Springfield, Minnesota Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Springfield, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,317 $9,172
American Family $5,592 $8,161
Farmers $4,751 $4,763
GEICO $5,064 $6,431
Liberty Mutual $17,050 $25,601
Nationwide $4,678 $5,684
State Farm $2,729 $3,380
USAA $4,214 $4,636

Cheap Springfield, Minnesota Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Springfield, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,646 $2,646
American Family $1,885 $1,885
Farmers $1,615 $1,707
GEICO $2,313 $2,248
Liberty Mutual $8,564 $8,564
Nationwide $1,625 $1,722
State Farm $1,136 $1,136
USAA $1,484 $1,494

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

Annual Springfield, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,990 $4,364 $5,282 $3,937
American Family $2,187 $3,987 $4,411 $2,479
Farmers $2,187 $2,764 $2,805 $2,468
GEICO $2,114 $3,362 $5,005 $2,265
Liberty Mutual $8,985 $12,304 $17,909 $9,691
Nationwide $2,163 $2,861 $3,286 $2,558
State Farm $1,574 $1,840 $1,707 $1,707
USAA $1,818 $2,300 $3,473 $2,165

Cheap Springfield, Minnesota Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Springfield, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,282
American Family $4,411
Farmers $2,805
GEICO $5,005
Liberty Mutual $17,909
Nationwide $3,286
State Farm $1,707
USAA $3,473

Cheap Springfield, Minnesota Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Springfield, Minnesota

Insurance Company Poor Fair Good
Allstate $6,067 $3,300 $3,062
American Family $4,412 $2,977 $2,410
Farmers $3,218 $2,301 $2,148
GEICO $3,826 $3,128 $2,606
Liberty Mutual $17,039 $11,018 $8,610
Nationwide $3,229 $2,609 $2,314
State Farm $2,487 $1,522 $1,111
USAA $3,838 $1,866 $1,613

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Cheap Springfield, Minnesota Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Springfield, Minnesota

ZIP Code Average Annual Rates
56087 $3,078

Cheap Springfield, Minnesota Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Springfield, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,143 $4,143
American Family $3,228 $3,304
Farmers $2,556 $2,556
GEICO $3,144 $3,229
Liberty Mutual $11,863 $12,582
Nationwide $2,717 $2,717
State Farm $1,662 $1,752
USAA $2,407 $2,471

Cheap Springfield, Minnesota Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Springfield, Minnesota

Insurance Company Low Medium High
Allstate $4,088 $4,139 $4,203
American Family $3,264 $3,358 $3,177
Farmers $2,450 $2,567 $2,651
GEICO $3,092 $3,185 $3,283
Liberty Mutual $11,943 $12,230 $12,494
Nationwide $2,572 $2,736 $2,843
State Farm $1,642 $1,712 $1,767
USAA $2,373 $2,437 $2,506

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Best By Category: Cheapest Auto Insurance in Springfield, Minnesota

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

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

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

Average Annual Auto Insurance Rates by Company in Springfield, Minnesota

Insurance Company Average Annual Rates
Allstate $4,143
American Family $3,266
Farmers $2,556
GEICO $3,186
Liberty Mutual $12,222
Nationwide $2,717
State Farm $1,707
USAA $2,439

What affects auto insurance rates in Springfield, Minnesota?

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

Springfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Springfield, Minnesota commute length is 16.6 minutes according to City-Data.

Springfield Traffic

How does Springfield, Minnesota rank for traffic? According to Inrix Springfield, Minnesota is the 830th most congested worldwide.

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Compare Springfield, Minnesota Auto Insurance Quotes

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