Cheap Quotes for Motley, MN Car Insurance (2021)

Motley, Minnesota car insurance rates average $399 a month and Minnesota law requires coverage of at least 30/60/10. By comparing rates from multiple Motley, MN companies, you can find cheap Motley 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

  • Motley has an average commute time of 16.4 minutes
  • Average car insurance rates in Motley, MN are $399/month
  • The cheapest car insurance company in Motley is State Farm

How do the Motley, Minnesota monthly average car insurance rates of $399/month compare to nearby cities like Woodbury car insurance rates, Duluth car insurance rates, and St. Cloud car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Motley, MN.

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

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

What are the minimum Motley, MN car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Motley, 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 $2,977 $2,977 $2,858 $2,858 $6,720 $9,735 $3,620 $3,803
American Family $2,162 $2,162 $1,957 $1,957 $5,823 $8,485 $2,162 $2,447
Farmers $2,144 $2,137 $2,070 $2,177 $6,052 $6,078 $2,792 $2,696
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 $2,040 $2,059 $1,809 $1,928 $5,063 $6,193 $2,377 $2,481
State Farm $1,695 $1,695 $1,495 $1,495 $3,537 $4,371 $1,965 $1,625
USAA $1,847 $1,822 $1,687 $1,679 $4,887 $5,320 $2,398 $2,538

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

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

Annual Car Insurance Rates for Teen Drivers in Motley, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,720 $9,735
American Family $5,823 $8,485
Farmers $6,052 $6,078
GEICO $6,249 $7,971
Liberty Mutual $21,303 $32,066
Nationwide $5,063 $6,193
State Farm $3,537 $4,371
USAA $4,887 $5,320

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

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

Annual Car Insurance Rates for Senior Drivers in Motley, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,858 $2,858
American Family $1,957 $1,957
Farmers $2,070 $2,177
GEICO $2,956 $2,873
Liberty Mutual $10,624 $10,624
Nationwide $1,809 $1,928
State Farm $1,495 $1,495
USAA $1,687 $1,679

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

Annual Car Insurance Rates by Coverage Level in Motley, Minnesota

Insurance Company Low Medium High
Allstate $4,379 $4,439 $4,512
American Family $3,393 $3,489 $3,301
Farmers $3,141 $3,282 $3,382
GEICO $3,909 $4,005 $4,107
Liberty Mutual $14,906 $15,239 $15,541
Nationwide $2,853 $3,013 $3,115
State Farm $2,159 $2,241 $2,304
USAA $2,691 $2,770 $2,856

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

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

Annual Motley, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,274 $4,688 $5,566 $4,246
American Family $2,277 $4,124 $4,594 $2,582
Farmers $2,792 $3,529 $3,589 $3,163
GEICO $2,641 $4,226 $6,333 $2,829
Liberty Mutual $11,292 $15,382 $22,059 $12,181
Nationwide $2,359 $3,157 $3,648 $2,811
State Farm $2,067 $2,403 $2,235 $2,235
USAA $2,062 $2,626 $3,945 $2,456

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

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

Annual Car Insurance Rates After a DUI in Motley, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,566
American Family $4,594
Farmers $3,589
GEICO $6,333
Liberty Mutual $22,059
Nationwide $3,648
State Farm $2,235
USAA $3,945

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

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

Annual Car Insurance Rates by Credit Score in Motley, Minnesota

Insurance Company Poor Fair Good
Allstate $6,538 $3,524 $3,268
American Family $4,605 $3,086 $2,492
Farmers $4,101 $2,949 $2,755
GEICO $4,813 $3,931 $3,277
Liberty Mutual $21,236 $13,727 $10,722
Nationwide $3,566 $2,867 $2,549
State Farm $3,260 $1,992 $1,452
USAA $4,324 $2,134 $1,859

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

Motley, 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 Motley if you’re financing.

Annual Car Insurance Rates by Commute Length in Motley, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,444 $4,444
American Family $3,354 $3,434
Farmers $3,268 $3,268
GEICO $3,955 $4,059
Liberty Mutual $14,776 $15,681
Nationwide $2,994 $2,994
State Farm $2,176 $2,293
USAA $2,736 $2,809

Who has the cheapest Motley, MN car insurance rates?

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

Best Annual Car Insurance Rates by Company in Motley, 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

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What are the top Motley, MN car insurance companies?

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

Average Annual Car Insurance Rates by Company in Motley, Minnesota

Insurance Company Average Annual Rates
Allstate $4,444
American Family $3,394
Farmers $3,268
GEICO $4,007
Liberty Mutual $15,229
Nationwide $2,994
State Farm $2,235
USAA $2,772

What factors affect Motley, MN car insurance rates?

Why are Motley, Minnesota car insurance rates different than rates in Woodbury or Duluth? 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 Motley, MN?

More time spent behind the wheel can lead to higher Motley, Minnesota car insurance rates. In Motley, MN, the average commute length is 16.4 minutes.

Car Insurance Quotes for Motley, MN

Shop for affordable Motley, Minnesota car insurance rates today. Enter your ZIP code to compare quotes from multiple Motley, MN car insurance companies.

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