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Cheap DUI Car Insurance in Minnesota (With Quotes)
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Best DUI Insurance Companies in Minnesota (2022)
For drivers with a DUI or DWI offense in Minnesota, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Minnesota. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Minnesota.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Liberty Mutual | $117 |
| Travelers | $150 |
| American Family Insurance | $154 |
| Safeco Insurance | $161 |
| Metropolitan Property and Casualty Insurance Company | $277 |
DUI Car Insurance Costs in Minnesota
In Minnesota, a DUI or DWI offense will on average have drivers paying $341 per month and $4,092 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 112% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
How Much Does a DUI Impact Car Insurance Rates in Minnesota?
All risky driving behavior can impact insurance rates. However, motorists with DUIs experience greater insurance premium increases than any other drivers. While a first, second, or third offense impacts rates a little differently, on average, DUIs increase rates by as much as 111 percent.
What does 111 percent look like in terms of actual insurance premiums? The average rate for a motorist with a history of a DUI in Minnesota is $340. That's $179 more a month than they would have paid previously.
| No Violation - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | After DUI - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Average Percent Increase After DUI |
|---|---|---|
| $161 | $341 | 111.80% |
What Are the Average Car Insurance Prices After a DUI in Minnesota?
As you know, car insurance pricing is very personal. Your driving record is just one variable that makes your insurance premium different from your neighbor's. On average, motorists with a DUI in Minnesota can expect to pay $340 for their car insurance.
While where you live does influence rates, Minnesota ranks 32nd in most expensive car insurance after a DUI relative to the rest of the county. That puts it somewhere in the middle and means that there's ultimately more influencing your insurance pricing than just the state you live in.
| Minnesota After DUI Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Most Expensive State for DUI (1-50) |
|---|---|
| $341 | 32nd |
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How Long Is the Lookback Period for a DUI in Minnesota?
A DUI remains on your record in Minnesota long after you pay all your penalties. The length of time a DUI stays on your driving record is called a lookback period. In Minnesota, the lookback period is 10 years. First-offense DUI drivers who can keep a clean record for 10 years will see their offense drop off.
Not only does the lookback period determine how many DUI offenses are counted (first, second, third, etc.), lookback periods are critical because they affect the kind of penalties that drivers face. A second DUI offense has steeper penalties than a first offense. Note: In Minnesota, lookback language does not apply to felony DUIs.
Minnesota DUI Penalties
Penalties for a DUI in Minnesota get increasingly steep with each offense. While a first offense will get you up to 90 days in jail, a fine of $1,000, and a suspended license for up to 90 days, third offenders lose a lot more. Motorists with their third DUI receive up to a year in jail, a $3,000 fine, license cancellation, and vehicle forfeiture.
There are also enhanced penalties if a child is in the vehicle or if you refuse to test, regardless of how many DUIs you may have. Motorists with three or more DUI offenses in 10 years are required to use an ignition interlock device for a period of three to six years.
Compare Top Auto Insurance Companies
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FAQs - Minnesota Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Minnesota. Insurify analyzed the latest data for the five most populous cities in Minnesota to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Minnesota and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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