Cheap Quotes for Badger, MN Car Insurance (2021)

Badger, Minnesota car insurance rates average $366 a month and Minnesota law requires coverage of at least 30/60/10. By comparing rates from multiple Badger, MN companies, you can find cheap Badger car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • The cheapest car insurance company in Badger is State Farm
  • Average car insurance rates in Badger, MN for senior drivers are $2,895/year
  • Average car insurance rates in Badger, MN after a DUI are $5,893/year

How do the Badger, Minnesota monthly average car insurance rates of $366/month compare to nearby cities like St. Cloud car insurance rates, Brooklyn Park car insurance rates, and Duluth car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Badger, MN.

We’ll cover the Minnesota minimum coverage requirements, Minnesota car insurance laws, and Badger, MN statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Badger, Minnesota companies to find the most affordable Badger car insurance rates.

Enter your ZIP code above to find cheap Badger, MN car insurance quotes today.

What are the minimum Badger, MN car insurance requirements?

To meet Minnesota minimum car insurance coverage requirements, Badger, MN drivers need to carry at least 30/60/10 coverage.

Minimum Required Car Insurance Coverage in Badger, 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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How do age, gender, and marital status affect Badger, MN car insurance rates?

Three of the criteria that most affect car insurance rates in Badger, Minnesota are age, gender, and marital status. Let’s take a look at how each of these stack up with top Badger car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Badger, 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 $2,881 $2,881 $2,758 $2,758 $6,537 $9,541 $3,495 $3,694
American Family $2,219 $2,219 $2,008 $2,008 $5,985 $8,739 $2,219 $2,516
Farmers $2,027 $2,024 $1,956 $2,061 $5,708 $5,740 $2,643 $2,593
GEICO $2,756 $2,737 $2,639 $2,565 $5,625 $7,173 $2,585 $2,657
Liberty Mutual $9,075 $9,075 $8,983 $8,983 $18,171 $27,432 $9,075 $12,762
Nationwide $1,909 $1,932 $1,694 $1,808 $4,713 $5,778 $2,221 $2,325
State Farm $1,475 $1,475 $1,297 $1,297 $3,058 $3,810 $1,716 $1,413
USAA $1,931 $1,933 $1,747 $1,764 $5,057 $5,589 $2,537 $2,724

How much do teen drivers pay for car insurance in Badger, MN?

Badger, Minnesota car insurance rates for teens are often higher than rates for other drivers. Compare Badger car insurance rates from multiple Badger, Minnesota car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Badger, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,537 $9,541
American Family $5,985 $8,739
Farmers $5,708 $5,740
GEICO $5,625 $7,173
Liberty Mutual $18,171 $27,432
Nationwide $4,713 $5,778
State Farm $3,058 $3,810
USAA $5,057 $5,589

How much do senior drivers pay for car insurance in Badger, MN?

With a little research, seniors can find affordable car insurance in Badger, Minnesota. Here’s a look at how the top Badger car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Badger, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,758 $2,758
American Family $2,008 $2,008
Farmers $1,956 $2,061
GEICO $2,639 $2,565
Liberty Mutual $8,983 $8,983
Nationwide $1,694 $1,808
State Farm $1,297 $1,297
USAA $1,747 $1,764

How does coverage level affect Badger, MN car insurance rates?

How much coverage do you need? Are you comfortable with the Minnesota minimum of 30/60/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Badger, MN car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Badger, Minnesota

Insurance Company Low Medium High
Allstate $4,263 $4,315 $4,377
American Family $3,488 $3,587 $3,393
Farmers $2,979 $3,105 $3,197
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,675 $12,952 $13,207
Nationwide $2,660 $2,815 $2,917
State Farm $1,876 $1,947 $2,004
USAA $2,832 $2,908 $2,991

How does your driving record affect Badger, MN car insurance rates?

Safe driving pays off. The more traffic violations you have in Badger, MN, the higher your car insurance rates will be. Compare rates based on driving infractions from top Badger, Minnesota companies.

Annual Badger, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,178 $4,549 $5,429 $4,117
American Family $2,344 $4,225 $4,730 $2,658
Farmers $2,645 $3,337 $3,385 $3,008
GEICO $2,372 $3,788 $5,666 $2,541
Liberty Mutual $9,723 $13,139 $18,427 $10,489
Nationwide $2,209 $2,949 $3,403 $2,629
State Farm $1,800 $2,085 $1,942 $1,942
USAA $2,163 $2,741 $4,159 $2,578

How does a DUI affect Badger, MN car insurance rates?

With even one DUI on your record, you can see an increase in your Badger, MN car insurance rates.

Annual Car Insurance Rates After a DUI in Badger, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,429
American Family $4,730
Farmers $3,385
GEICO $5,666
Liberty Mutual $18,427
Nationwide $3,403
State Farm $1,942
USAA $4,159

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How does your credit history affect Badger, MN car insurance rates?

Take a look at the data here to see how your Badger, Minnesota car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Badger, Minnesota

Insurance Company Poor Fair Good
Allstate $6,354 $3,425 $3,175
American Family $4,721 $3,177 $2,569
Farmers $3,869 $2,798 $2,615
GEICO $4,314 $3,524 $2,938
Liberty Mutual $18,046 $11,670 $9,119
Nationwide $3,328 $2,680 $2,385
State Farm $2,832 $1,732 $1,263
USAA $4,610 $2,213 $1,908

How does your commute affect Badger, MN car insurance rates?

Badger, MN car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Minnesota can be seen here. Remember, though, that you may have to carry substantially more car insurance in Badger if you’re financing.

Annual Car Insurance Rates by Commute Length in Badger, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,318 $4,318
American Family $3,448 $3,530
Farmers $3,094 $3,094
GEICO $3,546 $3,638
Liberty Mutual $12,555 $13,334
Nationwide $2,798 $2,798
State Farm $1,892 $1,992
USAA $2,872 $2,948

Who has the cheapest Badger, MN car insurance rates?

Here’s a breakdown of Badger, Minnesota car insurance rates by company. You can see which company offers the cheapest Badger car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Badger, 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

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What are the top Badger, MN car insurance companies?

Which Badger, Minnesota car insurance company will best fit your needs and budget? Check out this comparison of the top Badger companies to find the one for you.

Average Annual Car Insurance Rates by Company in Badger, Minnesota

Insurance Company Average Annual Rates
Allstate $4,318
American Family $3,489
Farmers $3,094
GEICO $3,592
Liberty Mutual $12,945
Nationwide $2,798
State Farm $1,942
USAA $2,910

What factors affect Badger, MN car insurance rates?

Why are Badger, Minnesota car insurance rates different than rates in St. Cloud or Brooklyn Park? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Badger, MN?

More time spent behind the wheel can lead to higher Badger, Minnesota car insurance rates. In Badger, MN, the average commute length is 24.5 minutes.

Car Insurance Quotes for Badger, MN

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