Best Detroit Lakes, MN Car Insurance in 2025
Car insurance in Detroit Lakes, MN averages $359 a month. Detroit Lakes, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Detroit Lakes car insurance rates, compare quotes from the top car insurance companies in Detroit Lakes, MN.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated December 2025
- The cheapest car insurance company in Detroit Lakes is State Farm
- The cheapest car insurance company in Detroit Lakes for teen drivers is State Farm
- Average car insurance rates in Detroit Lakes, MN after a DUI are $5,795/year
If you need to buy Detroit Lakes, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Detroit Lakes, MN is right here.
You’ll find Detroit Lakes car insurance rates, the cheapest Detroit Lakes, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Detroit Lakes, Minnesota car insurance rates to Rochester car insurance rates, Duluth car insurance rates, and St. Cloud car insurance rates.
Ready to find affordable Detroit Lakes, MN car insurance today? Enter your ZIP code for fast, free Detroit Lakes car insurance quotes.
Cheapest Detroit Lakes, MN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Detroit Lakes, MN car insurance rates? Every Detroit Lakes, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,162 | $2,162 | $1,957 | $1,957 | $5,823 | $8,485 | $2,162 | $2,447 |
| Farmers | $1,842 | $1,841 | $1,777 | $1,876 | $5,239 | $5,294 | $2,408 | $2,363 |
| 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 | $1,961 | $1,977 | $1,743 | $1,853 | $4,995 | $6,103 | $2,300 | $2,400 |
| State Farm | $1,414 | $1,414 | $1,254 | $1,254 | $3,021 | $3,748 | $1,645 | $1,351 |
| USAA | $1,737 | $1,731 | $1,576 | $1,584 | $4,551 | $5,008 | $2,271 | $2,427 |
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Minimum Car Insurance in Detroit Lakes, MN
Every driver must carry the minimum car insurance in Detroit Lakes, MN. Take a look at the Minnesota car insurance requirements.
| 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 |
Cheapest Detroit Lakes, MN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Detroit Lakes, MN. Compare credit history car insurance rates in Detroit Lakes from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,354 | $3,425 | $3,175 |
| American Family | $4,605 | $3,086 | $2,492 |
| Farmers | $3,530 | $2,564 | $2,397 |
| Geico | $4,314 | $3,524 | $2,938 |
| Liberty Mutual | $18,046 | $11,670 | $9,119 |
| Nationwide | $3,469 | $2,798 | $2,483 |
| State Farm | $2,752 | $1,683 | $1,228 |
| USAA | $4,118 | $1,991 | $1,723 |
Cheapest Detroit Lakes, MN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Detroit Lakes, MN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,178 | $4,549 | $5,429 | $4,117 |
| American Family | $2,277 | $4,124 | $4,594 | $2,582 |
| Farmers | $2,422 | $3,047 | $3,095 | $2,755 |
| Geico | $2,372 | $3,788 | $5,666 | $2,541 |
| Liberty Mutual | $9,723 | $13,139 | $18,427 | $10,489 |
| Nationwide | $2,312 | $3,073 | $3,538 | $2,743 |
| State Farm | $1,739 | $2,036 | $1,888 | $1,888 |
| USAA | $1,943 | $2,465 | $3,720 | $2,314 |
Cheapest Detroit Lakes, MN Car Insurance for Teen Drivers
Teen car insurance in Detroit Lakes, MN can be expensive. Take a look at rates from the top car insurance companies in Detroit Lakes for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,537 | $9,541 |
| American Family | $5,823 | $8,485 |
| Farmers | $5,239 | $5,294 |
| Geico | $5,625 | $7,173 |
| Liberty Mutual | $18,171 | $27,432 |
| Nationwide | $4,995 | $6,103 |
| State Farm | $3,021 | $3,748 |
| USAA | $4,551 | $5,008 |
Cheapest Detroit Lakes, MN Car Insurance for Seniors
Take a look at Detroit Lakes, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,758 | $2,758 |
| American Family | $1,957 | $1,957 |
| Farmers | $1,777 | $1,876 |
| Geico | $2,639 | $2,565 |
| Liberty Mutual | $8,983 | $8,983 |
| Nationwide | $1,743 | $1,853 |
| State Farm | $1,254 | $1,254 |
| USAA | $1,576 | $1,584 |
Cheapest Detroit Lakes, MN Car Insurance Rates After a DUI
A DUI in Detroit Lakes, MN increases car insurance rates. Compare Detroit Lakes, Minnesota DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,429 |
| American Family | $4,594 |
| Farmers | $3,095 |
| Geico | $5,666 |
| Liberty Mutual | $18,427 |
| Nationwide | $3,538 |
| State Farm | $1,888 |
| USAA | $3,720 |
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Cheapest Detroit Lakes, MN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Detroit Lakes, MN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,318 | $4,318 |
| American Family | $3,354 | $3,434 |
| Farmers | $2,830 | $2,830 |
| Geico | $3,546 | $3,638 |
| Liberty Mutual | $12,555 | $13,334 |
| Nationwide | $2,917 | $2,917 |
| State Farm | $1,838 | $1,937 |
| USAA | $2,576 | $2,645 |
The Best Cheap Car Insurance Companies in Detroit Lakes, MN
Take a look at a side-by-side comparison of the top car insurance companies in Detroit Lakes, MN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,318 |
| American Family | $3,394 |
| Farmers | $2,830 |
| Geico | $3,592 |
| Liberty Mutual | $12,945 |
| Nationwide | $2,917 |
| State Farm | $1,888 |
| USAA | $2,611 |
Category Winners: Cheapest Car Insurance in Detroit Lakes, Minnesota
Find the cheapest car insurance companies in Detroit Lakes, MN for each category right here.
| 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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Cheapest Detroit Lakes, MN Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Detroit Lakes car insurance rates. Find the cheapest Detroit Lakes, MN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,263 | $4,315 | $4,377 |
| American Family | $3,393 | $3,489 | $3,301 |
| Farmers | $2,723 | $2,842 | $2,925 |
| Geico | $3,497 | $3,590 | $3,689 |
| Liberty Mutual | $12,675 | $12,952 | $13,207 |
| Nationwide | $2,774 | $2,935 | $3,040 |
| State Farm | $1,819 | $1,893 | $1,951 |
| USAA | $2,541 | $2,608 | $2,683 |
What affects car insurance rates in Detroit Lakes, Minnesota?
What factors can have an impact on Detroit Lakes, MN car insurance? There are several reasons why Detroit Lakes car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Detroit Lakes, Minnesota.
Commute Time in Detroit Lakes
The more time you spend in your car the higher the risk of an accident. The average commute length in Detroit Lakes, MN is 15.2 minutes according to City-Data.
Compare Car Insurance Quotes in Detroit Lakes, MN
Ready to find affordable Detroit Lakes, Minnesota car insurance today? Enter your ZIP code for fast, free Detroit Lakes, MN car insurance quotes.
Frequently Asked Questions
Can I transfer my car insurance policy from another state to Detroit Lakes, MN?
If you’re moving from another state to Detroit Lakes, MN, you’ll typically need to obtain a new car insurance policy that complies with Minnesota’s requirements. It’s best to contact your current insurance provider to discuss your options and ensure a smooth transition.
Are there any specific car insurance requirements for teen drivers in Detroit Lakes, MN?
Teen drivers in Detroit Lakes, MN must adhere to the same car insurance requirements as other drivers in the state. However, since teen drivers are generally considered higher risk, insurance rates for them tend to be higher. It’s important to check with insurance providers to understand any additional restrictions or guidelines for teen drivers.
Does the type of vehicle I own affect my car insurance rates in Detroit Lakes, MN?
Yes, the type of vehicle you own can affect your car insurance rates in Detroit Lakes, MN. Factors such as the vehicle’s make, model, year, safety features, and repair costs can influence insurance premiums. Generally, vehicles with higher safety ratings and lower repair costs may have lower insurance rates.
Are there any specialized car insurance options available in Detroit Lakes, MN?
Yes, in Detroit Lakes, MN, you may find specialized car insurance options to meet specific needs. Examples include classic car insurance for vintage or collectible vehicles, rideshare insurance for drivers working for services like Uber or Lyft, and gap insurance to cover the difference between a vehicle’s value and any outstanding loan or lease amount. It’s best to consult with insurance providers to explore these options.
How can I obtain car insurance quotes in Detroit Lakes, MN?
To obtain car insurance quotes in Detroit Lakes, MN, you have a few options. You can contact local insurance agents who serve the area and request quotes from them. Another option is to use online insurance comparison tools that allow you to input your information and receive quotes from multiple insurers.
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