Cheap Quotes for Brainerd, MN Car Insurance (2021)

Brainerd, Minnesota car insurance rates average $405 a month and Minnesota law requires coverage of at least 30/60/10. By comparing rates from multiple Brainerd, MN companies, you can find cheap Brainerd 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

  • Average car insurance rates in Brainerd, MN are $405/month
  • Average car insurance rates in Brainerd, MN for senior drivers are $3,225/year
  • Average car insurance rates in Brainerd, MN after a DUI are $6,586/year

How do the Brainerd, Minnesota monthly average car insurance rates of $405/month compare to nearby cities like Brooklyn Park car insurance rates, Bloomington car insurance rates, and Rochester car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Brainerd, MN.

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

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

What are the minimum Brainerd, MN car insurance requirements?

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

Minimum Required Car Insurance Coverage in Brainerd, 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 Brainerd, MN car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Brainerd, 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 $3,044 $3,044 $2,932 $2,932 $6,850 $9,845 $3,716 $3,876
American Family $2,284 $2,284 $2,067 $2,067 $6,183 $9,005 $2,284 $2,584
Farmers $2,133 $2,134 $2,059 $2,180 $6,175 $6,279 $2,798 $2,749
GEICO $3,083 $3,062 $2,956 $2,873 $6,249 $7,971 $2,893 $2,971
Liberty Mutual $10,731 $10,731 $10,624 $10,624 $21,303 $32,066 $10,731 $15,017
Nationwide $2,125 $2,132 $1,889 $2,005 $5,442 $6,611 $2,497 $2,592
State Farm $1,620 $1,620 $1,441 $1,441 $3,469 $4,256 $1,872 $1,551
USAA $1,932 $1,919 $1,756 $1,761 $5,073 $5,563 $2,523 $2,690

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

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

Annual Car Insurance Rates for Teen Drivers in Brainerd, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,850 $9,845
American Family $6,183 $9,005
Farmers $6,175 $6,279
GEICO $6,249 $7,971
Liberty Mutual $21,303 $32,066
Nationwide $5,442 $6,611
State Farm $3,469 $4,256
USAA $5,073 $5,563

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

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

Annual Car Insurance Rates for Senior Drivers in Brainerd, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,932 $2,932
American Family $2,067 $2,067
Farmers $2,059 $2,180
GEICO $2,956 $2,873
Liberty Mutual $10,624 $10,624
Nationwide $1,889 $2,005
State Farm $1,441 $1,441
USAA $1,756 $1,761

How does coverage level affect Brainerd, 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 Brainerd, MN car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Brainerd, Minnesota

Insurance Company Low Medium High
Allstate $4,465 $4,526 $4,598
American Family $3,593 $3,695 $3,497
Farmers $3,177 $3,330 $3,434
GEICO $3,909 $4,005 $4,107
Liberty Mutual $14,906 $15,239 $15,541
Nationwide $3,000 $3,186 $3,300
State Farm $2,077 $2,166 $2,233
USAA $2,821 $2,899 $2,986

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

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

Annual Brainerd, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,347 $4,781 $5,648 $4,343
American Family $2,419 $4,338 $4,882 $2,742
Farmers $2,837 $3,562 $3,628 $3,227
GEICO $2,641 $4,226 $6,333 $2,829
Liberty Mutual $11,292 $15,382 $22,059 $12,181
Nationwide $2,502 $3,333 $3,840 $2,972
State Farm $1,987 $2,330 $2,159 $2,159
USAA $2,159 $2,741 $4,136 $2,572

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

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

Annual Car Insurance Rates After a DUI in Brainerd, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,648
American Family $4,882
Farmers $3,628
GEICO $6,333
Liberty Mutual $22,059
Nationwide $3,840
State Farm $2,159
USAA $4,136

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

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

Annual Car Insurance Rates by Credit Score in Brainerd, Minnesota

Insurance Company Poor Fair Good
Allstate $6,667 $3,593 $3,330
American Family $4,893 $3,263 $2,629
Farmers $4,122 $3,007 $2,812
GEICO $4,813 $3,931 $3,277
Liberty Mutual $21,236 $13,727 $10,722
Nationwide $3,766 $3,032 $2,688
State Farm $3,148 $1,925 $1,403
USAA $4,565 $2,219 $1,922

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

Brainerd, 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 Brainerd if you’re financing.

Annual Car Insurance Rates by Commute Length in Brainerd, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,530 $4,530
American Family $3,553 $3,637
Farmers $3,314 $3,314
GEICO $3,955 $4,059
Liberty Mutual $14,776 $15,681
Nationwide $3,162 $3,162
State Farm $2,100 $2,217
USAA $2,864 $2,940

Who has the cheapest Brainerd, MN car insurance rates?

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

Best Annual Car Insurance Rates by Company in Brainerd, 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 Brainerd, MN car insurance companies?

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

Average Annual Car Insurance Rates by Company in Brainerd, Minnesota

Insurance Company Average Annual Rates
Allstate $4,530
American Family $3,595
Farmers $3,314
GEICO $4,007
Liberty Mutual $15,229
Nationwide $3,162
State Farm $2,159
USAA $2,902

What factors affect Brainerd, MN car insurance rates?

Why are Brainerd, Minnesota car insurance rates different than rates in Brooklyn Park or Bloomington? 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 Brainerd, MN?

More time spent behind the wheel can lead to higher Brainerd, Minnesota car insurance rates. In Brainerd, MN, the average commute length is 17.8 minutes.

Car Insurance Quotes for Brainerd, MN

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