Who Has the Cheapest Insurance Quotes for 4×4 Vehicles in Minnesota?

Things would sure be easy if we could simply tell you the company that has the cheapest coverage in Minnesota. Unfortunately, it’s not that simple as there are many unknown aspects such as your driving record, if you are married, and if you want full coverage, that all factor into the price you pay. This article will cover some of these criteria and will hopefully give you a solid foundation to find cheaper car insurance in Minnesota.

Comparing rates for cost effective insurance is challenging, and finding out which insurers offer the lowest-priced insurance rates for 4×4 vehicles may require even more perseverance. Each insurer uses their own calculation to set their prices, so we’ll take a look at the most affordable insurance companies in Minnesota.

Lowest Insurance Price Quotes for 4×4’s

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Travelers normally has some of the lowest car insurance rates in Minnesota at around $667 per year. Farm Bureau Mutual, USAA, Western National, and The Hartford also qualify as some of the lowest-priced Minnesota car insurance companies.

As illustrated above, if you currently buy coverage from Farm Bureau Mutual and switched to Travelers, you could see an annual savings of in the vicinity of $162. Minnesota drivers with USAA might save as much as $164 a year, and Western National customers might lower prices by up to $234 a year.

Understand that those policy rates are averaged across all ages of drivers and types of vehicles and are not factoring in a price discount for 4×4 vehicles. So the car insurance company that has the cheapest price for you may not even be included in the chart above. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The vehicle you are trying to insure is one of the largest factors when comparing the cheapest insurance for 4×4 vehicles in Minnesota. Vehicles with economical engines, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.

The next lists ranks insurance prices for a handful of the most economical automobiles to insure in Minnesota.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in specific Minnesota garaging location which can alter insurance rates significantly.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in garaging location in Minnesota which can revise prices significantly.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in garaging location in Minnesota which can decrease or increase rates significantly.

Ending up with a high-quality car insurance company can be rather challenging considering how many different insurance companies sell coverage in Minnesota. The rank data in the lists below may help you select which auto insurers you want to consider putting your business with.

These ratings include companies that write coverage in many states, so companies that focus mainly on Minnesota business are not included in the list. To check prices and find cheaper insurance for 4×4 vehicles, follow this link.

Top 10 Major Auto Insurance Providers in Minnesota Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Top 10 Major Auto Insurance Providers Overall in Minnesota

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Cheapest insurance quotes for off-road vehicles

There are many ways to find cheap insurance in Minnesota, but the three most common methods are from a captive (or exclusive) agent such as Allstate or State Farm, a non-exclusive or independent agent, or from a direct company like Geico or Progressive.

All three ways can provide insurance quotes, but each is different in how they provide price quotes.

Independent agencies write business for many companies and can get rate quotes from all of them. These types of agencies have the ability to provide you with more rate quotes, which can give you a better comparison. If they quote lower rates, the business is moved internally and you can remain with the same agent.

Exclusive agencies are able to place business with a single insurance company, two examples being Allstate and Liberty Mutual agents. Exclusive agents generally are unable to give you multiple price quotes, so it’s a take it or leave it situation.

Buying direct means you forego an exlusive or independent agent and instead buy from a direct company like Esurance or Progressive. Buying direct may be good for families who do not have complex finances and have some degree of understanding of what coverage options they need.

So what is the best way to buy the cheapest insurance for 4×4 vehicles in Minnesota? The majority of insurance shoppers assume that buying from a direct company results in the cheapest price since that prevents the need to pay agent commissions, but that generally is not the case. We’d also like to say going through an independent agent guarantees the lowest rates because you have more choices, but that assumption is also not accurate. In the right set of circumstances, exclusive agents have price quotes that independents and direct companies can’t touch.

Because it’s impossible to say who has the best insurance rates, really the only way to ensure the lowest rates is to get quotes and compare the rates. Industry experts recommend getting quotes from all three to have a good selection of rates to choose from. For a list of companies offering online discounts in Minnesota, click here to view.