Cheapest Auto Insurance for Government Employees in Minnesota

One of the more important things that aid in calculating auto insurance rates is where you choose to live in Minnesota. Areas with more people or even just a higher incidence of claims like Minneapolis, Maplewood, and Bloomington tend to have higher rates, whereas areas with less people or fewer weather incidents benefit from lower prices.

The illustration below displays the more expensive cities in Minnesota for government employees to buy auto insurance in.

Prices are approximated as specific location information can affect premium rates considerably.

The vehicle model that is being insured is one of the primary factors when comparing the cheapest car insurance for government employees. Vehicles with average performance, a plethora of safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models.

The table below showcases insurance rates for a handful of the most budget-friendly automobiles to buy coverage for.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in zip code location which can alter price quotes substantially.

Looking at the rates, you can figure that cars like the Honda CR-V, Ford F-150, and Toyota Prius are likely to be the cheapest vehicles to insure for state and federal workers.

Finding decent, affordable insurance is easier said than done, and figuring out which companies quote the cheapest insurance rates for government employees will take even more work. Every car insurance company uses their own method for establishing rates, so let’s take a look at the most affordable insurance companies in Minnesota.

It’s important to understand that Minnesota insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. This is why it is critical to perform a complete rate comparison to find cheap insurance quotes for government employees. Insurance prices consist of many risk factors and can change substantially, so the best option the last time you shopped your coverage around may now be one of the more expensive options.

Best Insurance Companies in Minnesota

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google.charts.setOnLoadCallback(drawMNT5qcibChart);function drawMNT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Travelers’, 647, ‘#F08550’], [‘USAA’, 823, ‘#C86E42’], [‘Farm Bureau Mutual’, 837, ‘#A65B37’], [‘The Hartford’, 936, ‘#8A4B2D’], [‘Western National’, 937, ‘#733E25’]]);var options = {title: ‘Low-Cost Auto Insurance Companies in Minnesota’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1037,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Travelers may have some of the cheapest car insurance rates in Minnesota at around $647 a year. USAA, Farm Bureau Mutual, The Hartford, and Western National also make the cut as some of the cheapest Minnesota car insurance companies.

As shown above, if you currently have coverage with The Hartford and switched to Travelers, you could see savings of roughly $289. Policyholders with Western National could save as much as $290 a year, and West Bend Mutual policyholders might lower prices by up to $305 a year.

To find the cheapest car insurance for government employees in Minnesota for your vehicle, click here to get a free quote or visit several of the following companies.

It’s important to note that these estimates are averaged for all insureds and vehicles and and are not calculated with a rate discount for government employees. So the company that is most affordable for your situation may not even be included in the company chart above. That affirms the importance of why you need to get quotes using your own driver and vehicle profiles.

Impact of citations and accidents on Minnesota insurance rates

One of the best ways to maintain the cheapest car insurance for government employees in Minnesota is to be a careful driver and not receive tickets or have accidents. The diagram below highlights how traffic violations and at-fault accidents raise car insurance rates for each different age category. The premium estimates are based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2005,2233,4157],[‘Age 30’, 1407,1637,3559],[‘Age 40’, 1391,1619,3541],[‘Age 50’, 1223,1449,3373],[‘Age 60’, 1161,1391,3315],[‘Age 70’, 1245,1475,3399]]);var options = {title: ‘Effect of Tickets and Claims on Minnesota Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Minnesota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of car insurance in Minnesota per year with no accidents or violations is $1,405. Get written up for one speeding ticket and the average cost surges to $1,634, an increase of $229 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of insurance for government employees increases to an average of $3,557. That’s an increase of $2,152, or $179 per month, just for not driving responsibly!