Popular QuestionsPopular Questions About Minnesota Car Insurance

How much does Minnesota car insurance cost? $1,241

Minnesota drivers enjoy lower car insurance rates than many other drivers in the U.S.

The average annual cost of car insurance in the U.S. is $1,318. Minnesota drivers pay $1,241, on average. The best way to ensure that you are getting the best Minnesota car insurance rates is to work with an independent insurance agent who can help you compare quotes from multiple carriers. 

minnesota car insurance cost chart
What does Minnesota car insurance actually do for me?

Minnesota drivers face a variety of perils, especially during the winter months. Accidents can happen at any time, and here’s a few ways your Minnesota car insurance can help…

  • Fix Your Car - Not Required. We officially call this “Comprehensive & Collision Coverage.”
  • Fix Someone Else’s Car - Required/Min. $10,000.  We officially call this “Property Damage Liability.”
  • Pay Your Medical Bills - Required/Min. $20,000. We officially call this “Personal Injury Protection” Or “Pip.”
  • Pay Someone Else’s Med Bills - Required/Min. $30,000 Per Person, $60,000 Per Accident. We officially call this “Bodily Injury Liability.”

Minnesota requires all drivers to have a minimum amount of liability insurance to pay for vehicle damage and medical bills. These mandatory limits ensure that you can pay if you cause an accident. 

You can purchase other types of coverage help you pay for your own car if it is stolen, vandalized, or damaged by weather.

Who pays if the accident wasn’t my fault?

The driver who caused the accident, of course. 

How many Minnesota drivers are uninsured: 11.5%

Sometimes people drive without insurance. This is a serious problem if an uninsured driver is at fault for an accident.

Uninsured motorist coverage is required for all Minnesota drivers. It pays for your vehicle repairs and medical bills if you are hit by an uninsured driver. Without uninsured motorist coverage, you would be on the hook for all of the expenses related to an accident with a driver who is unable to pay.

Which are the best insurance companies in Minnesota?

An independent insurance agent compares policies from multiple companies to find the best coverage for your needs.

motorists mutual insurance  company
Travelers
progressive insurance company
EMC insurance

InformationFind the Best Insurance in Your City

Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


Minnesota CityAverage Commute
Time in Minutes
Theft Rate
Per 1,000 cars
Insurance Cost
Per Year
Minneapolis21.73.791206
St. Paul23.26.741909
Rochester15.60.99966
Duluth16.31.581431
Bloomington20.61.081178
Brooklyn Park24.81.441652
Plymouth22.20.481147
St. Cloud17.41.841671
Eagan22.50.461178
Woodbury23.30.601695
Maple Grove24.40.381147
Coon Rapids25.70.801153
Eden Prairie21.00.251145
Marshall11.70.661208
Burnsville22.40.971140
Blaine25.71.061178
Lakeville24.10.441165
Minnetonka20.20.411147
Le Center23.10.091047
Apple Valley23.20.521178
Edina18.70.381167
St. Louis Park19.61.171658
Mankato14.31.541005
Moorhead15.22.23854
Maplewood24.14.391316
Shakopee23.80.861147
Richfield20.81.071167
Wayzata19.90.691147
Cottage Grove24.80.841208
Inver Grove Heights20.81.431176
Roseville20.32.461156
Andover28.21.181272
Brooklyn Center22.82.401354
Winona13.60.07967
Oakdale23.02.841329
Fridley22.42.661326
Savage24.60.721146
Bemidji13.12.211235
Owatonna15.91.171284
Shoreview23.60.041178

Duluth, MN Car Insurance

The average monthly cost of car insurance in Duluth is $109. Your Duluth monthly car insurance rate may be higher or lower. Your age, gender, driving record, and other factors determine what you pay. Here are some city factors that affect what you pay.

Your daily commute time dramatically impacts what you pay for car insurance, because the more time you spend on the road, the more likely you are to be in an accident. Commute times in Duluth are much lower than the national average, which can help to keep car insurance rates down.

It can be a nightmare if your car is stolen, and vehicle thefts can happen anywhere. Luckily, Duluth has a very low auto theft rate, which has a positive impact on car insurance rates.

Bloomington, MN Car Insurance

The average monthly cost of car insurance in Bloomington is $98. Car insurance rates vary from one driver to the next. Your individual rate depends on the car you drive, your age, and several other factors. Here are some city factors that will affect your rate:

Long commutes are not only annoying, they also create a greater risk for getting into car accidents. If your commute is higher than average, you might pay more for car insurance. 

Car insurance rates are usually higher in cities where auto theft is a big problem. Luckily for Bloomington drivers, auto theft is not a serious problem in the city. Car insurance rates are likely lower as a result. 

Brooklyn Park, MN Car Insurance

The average monthly cost of car insurance in Brooklyn Park is $138. Car insurance rates are different for every driver. Your monthly cost is be determined by personal factors like your age, the make and model of your car, and your driving record.

Long commutes increase your risk for car accidents and drive up the cost of car insurance. Brooklyn Park daily commutes tend to be close to the national average, having a minimal impact on car insurance rates. 

Drivers in high crime areas face an elevated risk for auto theft and vandalism. Luckily, the auto theft rate in Brooklyn Park is low, which may decrease car insurance rates for many local drivers. 

Plymouth, MN Car Insurance

The average monthly cost of car insurance in Plymouth is $96. Every driver pays a unique rate for car insurance, so your rates may be higher or lower than average. What you pay is based on personal characteristics like the car you drive, your age, your driving record, and more. 

Your chance of being in a car accident increases as you spend more time on the road every day.  Drivers in Plymouth have commute times that are close to the national average, with little impact on car insurance rates. 

When you live in a dangerous area, you are more likely to have your vehicle stolen or vandalized. Auto theft is rare in Plymouth, which should help keep car insurance rates lower.

St. Cloud, MN Car Insurance

The average monthly cost of car insurance in St. Cloud is $139. St. Cloud car insurance rates change depending on drivers’ unique circumstances. What you pay depends on the type of car you drive, your age, your gender, and more. 

Simply put, long commutes increase your risk for a car accident. St. Cloud drivers spend less time on the road than most, which could help lower insurance rates.

St. Cloud residents enjoy a low crime rate. Auto theft is rare in St. Cloud, which can help you save on car insurance. 

Eagan, MN Car Insurance

The average monthly cost of car insurance in Eagan is $98. Your car insurance rate could be higher or lower than the average. Personal characteristics like your age and driving record, as well as other variables, determine what you will pay. 

If you spend a lot of time in the car, you are more likely to be involved in an accident. Long daily commutes can increase what you pay for car insurance, too. Commute times in Eagan are fairly close to the national average (22.4 min), with a minimal impact on car insurance rates for local drivers. 

Drivers have to be very cautious about auto theft in cities with rampant crime. Luckily, Eagan has a very low auto theft rate, which can give local drivers peace of mind and can help them save on auto insurance. 

Woodbury, MN Car Insurance

The average monthly cost of car insurance in Woodbury is $141. Depending on the type of car you drive, your driving record, and a few other factors, you might pay more or less than the average for car insurance in Woodbury.

Car insurance rates tend to be higher in cities where drivers have long commutes. This is because the more time you spend on the road, the more likely you are to be in an accident. Woodbury drivers tend to have commute times (23.3 min per day) that are close to the national average, having little impact on car insurance rates. 

Drivers in cities with high auto theft rates tend to pay more for auto insurance. Auto theft is not a big problem in Woodbury, which may help local drivers save on Woodbury auto insurance. 

Maple Grove, MN Car Insurance

The average monthly cost of car insurance in Maple Grove is $96. You might pay more or less than the average Maple Grove car insurance rate. Your individual rate depends on factors like your age, gender, and driving record. 

More time spent on busy roads increases your risk for getting in a car accident, and also increases your car insurance rates. Maple Grove drivers tend to have daily commutes that are close to the national average, having little impact on car insurance rates. 

Auto theft is rare in Maple Grove, which is great news for local drivers. If you live in Maple Grove, the low auto theft rate likely leads to some savings on car insurance rates. 

Coon Rapids, MN Car Insurance

The average monthly cost of car insurance in Coon Rapids is $96. Coon Rapids car insurance costs around $96 per month, on average. Your rates may be higher or lower, depending on your age, gender, driving record, and other variables. 

The more time you spend behind the wheel, the higher your chances are for a car accident. In Coon Rapids, commute times are similar to the national average, which likely has little impact on car insurance rates for local drivers.

The car theft rate in Coon Rapids is lower than in the U.S. overall. For this reason, car insurance might cost less in Coon Rapids than in other cities with higher crime rates.

Eden Prairie, MN Car Insurance

The average monthly cost of car insurance in Eden Prairie is $95. Monthly car insurance rates are different for every driver. Your individual rate is based on variables like your age, gender, driving record, and more.

It’s simple: the more time you spend on the roads, the more likely it is that you'll be in an accident. Drivers with shorter commute times tend to pay less for car insurance. Eden Prairie drivers have slightly lower-than-average daily commutes, which may help them save a little on auto insurance.

Eden Prairie has a very low auto theft rate, which is great for residents’ peace of mind. A low crime rate also has a positive impact on auto insurance rates.

Marshall, MN Car Insurance

The average monthly cost of car insurance in Marshall is $101. Several personal factors influence your car insurance rate. Your monthly cost is based on your age, gender, driving record, and other variables. 

It’s simple: drivers who spend a lot of time on the road are more likely to have car accidents. Fortunately, Marshall drivers tend to have very short commute times compared to the national average. Car insurance rates are likely lower as a result. 

If you live in a city with a high crime rate, you are more likely to have your car stolen or vandalized. That's why high auto theft rates drive up auto insurance premiums. In Marshall, car theft is very rare, which may help lower rates.

Burnsville, MN Car Insurance

The average monthly cost of car insurance in Burnsville is $95. Your monthly cost might be a more or less than average, depending on personal characteristics like the make and model of your car, your age, and your driving record. Several other factors also play a role. 

If you spend a lot of time on the road, you face a greater risk for accidents. Burnsville drivers tend to have commute times that are slightly lower than the national average. Some drivers may find car insurance savings as a result. 

Car insurance rates are lower in cities with less crime. Auto theft rates in Burnsville are much lower than in the U.S. overall, which is good news for local drivers. Burnsville auto insurance rates are likely lower as a result of the city’s low crime rate. 

Blaine, MN Car Insurance

The average monthly cost of car insurance in Blaine is $98. Blaine car insurance rates vary from one driver to the next. Your monthly cost depends on your driving record, your age, and your gender. Several other factors also come into play.

Here are some city factors that will affect your rate:

Blaine drivers tend to spend a lot of time on the road, which increases the risk for car accidents. With local commutes slightly exceeding the national average, auto insurance rates may increase as well. 

Most drivers don't think about the risk for auto theft until it's too late. Fortunately, the auto theft rate in Blaine is quite low, offering peace of mind and lower car insurance rates for local drivers. 

Lakeville, MN Car Insurance

The average monthly cost of car insurance in Lakeville is $97. Every driver pays a customized rate for Lakeville car insurance. What you pay is based on the make and model of your car, your age, and your driving record, along with a handful of other variables.

When you spend more time on the road, you're more likely to be involved in an accident. Lakeville drivers spend slightly less time on the road than the national average, which should help to keep Lakeville car insurance rates under control. 

Car theft is a problem in many cities, but car theft is very rare in Lakeville. Lakeville drivers likely enjoy significant savings on car insurance as a result.

Minnetonka, MN Car Insurance

The average monthly cost of car insurance in Minnetonka is $96. Minnetonka car insurance rates are customized for each driver, so you could pay more or less than this. Rates vary based on age, gender, driving history, and several other personal characteristics.

Commute times for Minnetonka residents tend to be shorter than the national average, which reduces the risk for car accidents. Lower daily commutes can also lead to some savings on your Minnetonka auto insurance rates. 

The more dangerous your city is, the more likely it is that you will be a victim of auto theft or vandalism. The auto theft rate in Minnetonka is much lower than in the U.S overall, which may help decrease insurance rates. 

Le Center, MN Car Insurance

The average monthly cost of car insurance in Le Center is $87. Car insurance rates can vary depending on each driver’s unique circumstances. Your monthly cost depends on your age, gender, driving record, and more.

Long commutes raise the risk for accidents and drive up car insurance rates. Le Center drivers tend to have slightly shorter commutes than other drivers in the U.S., which can help provide some savings on Le Center car insurance.

Le Center has a nearly non-existent auto theft rate. Local drivers likely pay far less for auto insurance than drivers in other cities. 

Apple Valley, MN Car Insurance

The average monthly cost of car insurance in Apple Valley is $98. Your monthly rate for Apple Valley car insurance is unique. It is based on personal characteristics like your age, gender, and driving record. What you pay may be higher or lower than the local average. 

Increased road time also means an increased risk for car accidents, and higher car insurance rates. Daily commutes in Apple Valley tend to be slightly shorter than the national average, offering some savings on Apple Valley car insurance.

Living in a safe city is a great way to save on auto insurance. Auto theft is very rare in Apple Valley, offering local drivers significant savings on car insurance. 

Edina, MN Car Insurance

The average monthly cost of car insurance in Edina is $98. Depending on the make and model of your car, your driving history, and your age and gender, your personal car insurance rate may be higher or lower than the average in Edina. 

Car insurance rates tend to be higher in cities where drivers have long daily commutes. In Edina, the typical commute time is lower than the national average, which should help reduce Edina car insurance rates. 

Your car is more likely to be stolen or vandalized in cities with higher crime rates. Fortunately, auto theft is very rare in Edina, so local drivers may be able to save on car insurance. 

St. Louis Park, MN Car Insurance

The average monthly cost of car insurance in St. Louis Park is $138. You may pay more or less than average for your St. Louis Park auto insurance. Your rate is based on personal characteristics such as your age, gender, and driving record. 

It’s simple: the more time you spend on the roads, the greater your risk for a car accident. Drivers with longer commutes also tend to pay more for car insurance. Luckily, commute times in St. Louis Park are lower than the national average, which may offer some savings to local drivers.

Auto theft is rare in St. Louis Park. As a result, residents likely realize significant savings on their St. Louis Park auto insurance rates. 

Mankato, MN Car Insurance

The average monthly cost of car insurance in Mankato is $84. Mankato car insurance costs around $84 per month, on average, but everyone’s rates are a little different. Your Mankato car insurance cost is based on things like the type of car you drive, your age, your driving history, and several other factors.

The more time you spend behind the wheel every day, the higher the chances are that you'll get into an accident. That's why cities with longer commute times tend to have higher insurance rates. Mankato drivers are fortunate; daily commutes tend to be lower than the national average, and car insurance likely costs less as a result. 

Living in a high crime area means you face a serious risk for auto theft and vandalism. Fortunately, the auto theft rate in Mankato is much lower than the national average, which could help lower rates on Mankato auto insurance.

 Moorhead, MN Car Insurance

The average monthly cost of car insurance in Moorhead is $71. Monthly car insurance rates are different for every driver. Your individual rate is based on factors like your age, driving history, and gender.

When you face a long daily commute, you have an increased risk for accidents. In Moorhead, commute times are a lower than the national average, which might help reduce Moorhead car insurance costs.

High crime areas pose a risk to drivers. Fortunately, car theft is not a huge problem in Moorhead. Local drivers likely benefit from lower insurance rates as a result. 

Maplewood, MN Car Insurance

The average monthly cost of car insurance in Maplewood is $138. Several factors influence your personalized Maplewood car insurance rate. Your monthly cost is based on your age, gender, and driving record and a few other variables. 

The more time you spend on the roads, the more likely you are to be in an accident. For this reason, people with longer-than-average daily commutes tend to pay more for car insurance.

Maplewood residents tend to have commute times that are close to the national average, having little impact on Maplewood car insurance rates. 

Auto theft is more common in Maplewood than in the average American city. This could cause an increase in insurance rates, but with good insurance, you’ll also have peace of mind. If your car is stolen, your insurance policy will help you replace it.

Shakopee, MN Car Insurance

The average monthly cost of car insurance in Shakopee is $96. Your monthly rate may be higher or lower, depending on your age, gender, and driving record. Every driver’s auto insurance rate is a little different, so you may pay more or less than average.

Longer daily commutes lead to higher car insurance rates. The average American driver commutes for around 25 minutes each day. Shakopee drivers tend to have commutes that are similar to the national average, having little impact on car insurance rates.  

If you live in a city with a high crime rate, you'll face a higher risk for car theft and higher car insurance rates. The auto theft rate in Shakopee is very low, offering savings on car insurance for local drivers. 

Richfield, MN Car Insurance

The average monthly cost of car insurance in Richfield is $97. Depending on the kind of car you drive, your age, and your driving record, your car insurance rates could be slightly higher or lower than the average rate in Richfield.

Long commutes are frustrating and increase your risk for being involved in an accident. Car insurance rates are higher in areas where drivers have longer commutes. Commute times in Richfield are slightly lower than the national average, which may help offer some savings to Richfield drivers.

Car insurance rates are usually higher in cities where auto theft is a problem. Fortunately for Richfield drivers, the city has a very low auto theft rate. Richfield auto insurance likely costs less than in other cities as a result. 

Wayzata, MN Car Insurance

The average monthly cost of car insurance in Wayzata is $96. Every driver pays a customized rate for Wayzata car insurance. What you pay is based on the make and model of your car as well as your age, gender, and driving history. Several other factors come into play, too. 

Long commutes increase your risk for car accidents, and drive up car insurance rates, too. Wayzata drivers typically spend less time on the roads than the average American driver. This could help reduce car insurance rates for Wayzata residents.

Cities with high car theft rates tend to have higher insurance costs. In Wayzata, auto theft is rare, and Wayzata insurance rates are likely lower than in many other cities. 

Cottage Grove, MN Car Insurance

The average monthly cost of car insurance in Cottage Grove is $101. Every driver pays a unique rate for car insurance. Individual rates may be higher or lower than average, based on things like the driver’s age, gender, and driving record. Several other variables also play a role. 

The more time you spend on Minnesota’s busy roads, the more risk you face for a car accident. Commute times in Cottage Grove are slightly lower than the national average, likely having little impact on car insurance rates.

Residents of more dangerous cities likely pay more for car insurance. Since auto theft is quite rare in Cottage Grove, local drivers should pay less for car insurance than drivers in other more dangerous cities.

Inner Grove Heights, MN Car Insurance

The average monthly cost of car insurance in Inner Grove Heights is $138. Car insurance rates vary depending on a driver’s unique circumstances. Monthly rates are based on a driver’s age, gender, driving record, and other personal characteristics. 

Simply put, long commutes increase your risk for a car accident. Drivers who live in Inner Grove Heights spend less time on the road than most, which could help lower insurance rates. 

Auto theft is a serious concern for many drivers in Minnesota, and cars can be stolen anywhere. Residents of more dangerous cities typically pay more for car insurance than those in safer cities. The auto theft rate in Inner Grove Heights is lower than in the U.S. overall, which may help local drivers save on car insurance.

Roseville, MN Car Insurance

The average monthly cost of car insurance in Roseville is $96. Every driver has a unique car insurance rate based on age, gender, and a few other factors. Your individual Roseville car insurance rate may be higher or lower than average. 

If you’re spending long hours in the car each day, you are more likely to be involved in a car accident. Drivers with long commutes pay more for car insurance as a result. Commutes in Roseville tend to be somewhat shorter than the national average, helping keep insurance rates lower.

In cities where crime is rampant, drivers must be aware of the threat for auto theft. Residents of high crime areas tend to pay more for car insurance, as well. Fortunately, vehicle theft and vandalism are low in Roseville, which could help keep car insurance rates low. 

Andover, MN Car Insurance

The average monthly cost of car insurance in Andover is $138. Depending on the type of car you drive, your driving record, and your age and gender, you might pay more or less than the average for Andover car insurance.

When you spend more time driving each day, you are more likely to be in an accident. Andover drivers have longer commutes than the average American driver, which can lead to increased Andover car insurance rates. 

If you live in a dangerous area, you have a higher risk for car theft or vandalism. In Andover, auto theft rates are fairly low, which also helps reduce Andover car insurance rates.

Brooklyn Center, MN Car Insurance

The average monthly cost of car insurance in Brooklyn Park is $113. Personal characteristics like your age, gender, and driving history help determine your individual car insurance rate. Your rate may be higher or lower than average depending on these and several other variables. 

Simply put, the more time you spend on the road every day, the more likely you are to be in a car accident. Drivers with longer commutes also tend to pay more for car insurance. Commute times in Brooklyn Center are slightly lower than the national average, which may lead to some savings on Brooklyn Center car insurance.

The more dangerous your city is, the more likely it is that your car could be stolen or vandalized. Residents of cities with high auto theft rates typically pay more for car insurance. Auto theft in Brooklyn Center is similar to the U.S. overall, likely having little impact on car insurance rates. 

Winona, MN Car Insurance

The average monthly cost of car insurance in Winona is $81. The monthly cost for car insurance will vary from one driver to the next. Several factors influence your rate, including your age, gender, and the type of car you drive.

The longer your commute time, the more you might pay for car insurance because the more likely you are to be involved in an accident. Winona drivers have short commute times compared to the national average, and likely pay less for Winona car insurance as a result. 

The car theft rate in Winona is slightly lower than in the U.S. overall. For this reason, Winona drivers likely pay less for car insurance. 

Oakdale, MN Car Insurance

The average monthly cost of car insurance in Brooklyn Park is $111. You will probably pay a little more or a little less than this average. Your rate is personalized, based on the make and model of your car as well as your age, gender, and driving record.

Drivers who spend more time on the road are more likely to get into an accident. That's why long commutes drive up car insurance premiums. In Oakdale, commute times are lower than the national average, which may reduce rates.

Insurance rates are usually higher in cities where crime is prevalent. Auto theft is slightly less common in Oakdale than in the U.S. overall. Oakdale drivers might enjoy some savings on car insurance as a result. 

Fridley, MN Car Insurance

The average monthly cost of car insurance in Brooklyn Park is $111. Several factors influence your unique Fridley car insurance rate. Your age, gender, driving record, and a few other variables help insurance companies determine how risky you are as a driver, and whether your rate will be higher or lower than average. 

To put it in simply, long commutes drive up insurance costs because more time spent on the roads leads to an increased risk for accidents. Commute times in Fridley are lower than the national average, which should help keep your Fridley car insurance rates relatively low.

Auto theft is less common in Fridley than in the U.S. overall. This could help drivers realize some savings on Fridley auto insurance rates. 

Savage , MN Car Insurance

The average monthly cost of car insurance in Savage  is $96. Car insurance rates vary from driver to driver. Your individual rate may be higher or lower than average, depending on your age, gender, driving record, and the type of car you drive. 

If you spend a lot of time on the road, you face a greater risk for accidents. Commute times for Savage drivers are similar to the national average, having a minimal impact on car insurance rates. 

Auto theft happens every single day to unsuspecting drivers across the country. Luckily, auto theft is very rare in Savage, giving residents peace of mind and lower car insurance rates. 

Bemidji, MN Car Insurance

The average monthly cost of car insurance in Bemidji is $103. Rates for every driver vary based on personal characteristics such age, gender, and driving record. Your monthly cost for Bemidji car insurance may be higher or lower depending on these and other factors that predict how risky you are as a driver. 

Long commutes are frustrating, and greatly increase the risk for getting into a car accident.  Bemidji drivers have short commutes times compared to the national average. As a result, Bemidji car insurance likely costs less than it does in many other cities. 

Most drivers don't think about the risk for auto theft, but it is a serious problem in some cities.  If you live in a city with a high rate of auto theft, you will likely pay more for auto insurance, too. Fortunately, Bemidji has a lower auto theft rate than the U.S. overall, offering some savings on car insurance for local drivers. 

Owatonna, MN Car Insurance

The average monthly cost of car insurance in Owatonna is $107. Every driver pays a customized rate for car insurance. What you pay is based on the make and model of your car, your age, your driving record, and other personal characteristics. Based on these factors, your Owatonna car insurance rate may be higher or lower than average. 

The time you spend driving each day is directly tied to your risk for accidents. Long commutes increase your risk, and also drive up car insurance premiums. Owatonna drivers typically spend much less time on the roads than the average national driver, helping to keep Owatonna car insurance rates low. 

Cities with high auto theft rates tend to have higher insurance costs. Owatonna has a low auto theft rate, which may help residents save money on Owatonna car insurance. 

Shoreview, MN Car Insurance

The average monthly cost of car insurance in Shoreview is $98. Auto insurance rates are unique for each driver, and are based on several personal characteristics. You may pay more or less than average depending on your age, gender, driving record, and the type of car you drive. 

Your chance of being in a car accident increases with the more time you spend driving each day. If you have a long commute, you can also expect to pay more for car insurance. Drivers in Shoreview tend to have commute times that are slightly lower than the national average, likely having little impact on car insurance rates for local drivers.

Auto theft is nearly non-existent in Shoreview. Residents in low-crime areas benefit from lower car insurance rates and greatly increased peace of mind.