Minnesota Car Insurance for High Risk Drivers (With Quotes)

Cheapest Insurance Companies for High Risk Drivers in Minnesota (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers in Minnesota.

What Makes a Driver High-Risk in Minnesota?

Auto insurance companies in Minnesota assume a certain level of risk when accepting a new customer. The level of risk that they expose themselves to is often tied to the driving record of the customer. If the driver has a history of violations or numerous insurance claims on their record, then they often get labeled as high-risk.

If you are characterized as a high-risk driver in Minnesota, your driving record probably has a few violations on it. These violations can include instances of speeding, reckless driving, multiple at-fault accidents, and prior DUI/DWI convictions. Since high-risk drivers are more likely to pay higher premiums for auto coverage, shopping around is a great way to find affordable rates.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Minnesota?

High-risk driving violations can have a negative impact on car insurance rates in several ways. The biggest impact is usually seen in average monthly costs, with some violations adding an additional $48 a month to your current premiums. In Minnesota, reckless driving often carries the largest penalty and can cause you to pay an average of $208 a month for coverage.

To help high-risk drivers obtain affordable coverage, a few insurance providers in Minnesota offer special packages and rates. Shopping around is often the best way to find cheaper quotes.

How Much Does a Speeding Ticket Impact Car Insurance Rates in Minnesota?

While receiving a speeding ticket in Minnesota will impact your auto insurance rates, the amount your rates increase isn't as bad as in other states. On average, drivers with a speeding ticket violation often pay $23 more per month for coverage.

How Does an at-Fault Accident Impact Insurance Rates in Minnesota?

In Minnesota, at-fault accidents can have an impact on how much you can expect to pay in monthly premiums. Drivers without any violations typically pay $160 for coverage, while those who have been involved in an at-fault accident pay nine percent more for auto insurance. The main reason for the increase is the likelihood of the driver to partake in risky driving behavior in the future.

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Minnesota?

Drivers who fail to stop a red light or stop sign typically face increases to their monthly insurance rates. In Minnesota, the average increase for drivers with a violation tends to be $32 more a month. That ends up being a yearly increase of $384 for one failure-to-stop violation.

Does Driving With a Suspended License Impact Car Insurance Rates in Minnesota?

Auto insurance companies in Minnesota assume a certain level of risk when accepting a new customer. The level of risk that they expose themselves to is often tied to the driving record of the customer. If the driver has a history of violations or numerous insurance claims on their record, then they often get labeled as high-risk.

If you are characterized as a high-risk driver in Minnesota, your driving record probably has a few violations on it. These violations can include instances of speeding, reckless driving, multiple at-fault accidents, and prior DUI/DWI convictions. Since high-risk drivers are more likely to pay higher premiums for auto coverage, shopping around is a great way to find affordable rates.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies