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Car Insurance Quotes in Ham Lake, MN

Full coverage / year
$1,770
State minimum / year
$656
Typical quote range
$1,257 – $2,442

The estimated cost of full coverage car insurance in Ham Lake is $1,770 a year, against $656 for a state-minimum policy. Premiums here land roughly 11% under the Minnesota average thanks to low traffic density and few comprehensive claims. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.

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Car insurance calculator — Ham Lake, MN

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$147/ month
$1,770 per year · carriers in Ham Lake, MN typically quote $1,257 – $2,442
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Ham Lake, MN

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,345$112-24%Military members and families only
Geico$1,451$121-18%Usually cheapest for clean records
State Farm$1,558$130-12%Strong for young and student drivers
Progressive$1,682$140-5%Competitive after a ticket or accident
Travelers$1,717$143-3%Good multi-policy discounts
Nationwide$1,770$1480%Mid-market, wide availability
Allstate$2,018$168+14%Higher base rate, heavy discount stacking
Farmers$2,142$179+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Ham Lake, MN. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Ham Lake

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$4,780$1,772$398
18 years old$4,032$1,495$336
20 years old$3,339$1,238$278
22 years old$2,773$1,028$231
25 years old$2,116$785$176
30 years old$1,825$676$152
40 years old$1,715$636$143
50 years old$1,642$609$137
60 years old$1,624$602$135
65 years old$1,697$629$141
70 years old$1,861$690$155
75 years old$2,171$805$181

Estimated premiums by age in Ham Lake, MN, clean record, sedan.

What a ticket, accident or DUI costs in Ham Lake

Driving recordEst. annualIncrease
Clean record$1,770—
1 speeding ticket$2,177+23%
1 at-fault accident$2,602+47%
DUI / DWI$3,345+89%

What a violation costs a 35-year-old in Ham Lake, MN. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Minnesota

Every driver registering a vehicle in Minnesota must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Minnesota Department of Insurance.

Required coverage in MinnesotaMinimum limit
Bodily injury liability, per person$30,000
Bodily injury liability, per accident$60,000
Property damage liability$10,000
PIP $40,000Required
Uninsured/underinsured 25/50Required
Insurance systemNo-fault

Coverage levels compared in Ham Lake

Coverage levelEst. annualEst. monthly
State minimum liability$656$55
Full coverage (100/300/100 + comp & collision)$1,770$147
Full coverage, high limits + low deductible$2,106$176

Coverage level comparison for Ham Lake, MN.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Ham Lake

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Ham Lake covers 55304, 55434, 55448, 55011 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Ham Lake, MN?
Full coverage in Ham Lake is estimated at $1,770 a year ($148 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $656 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Minnesota?
Minnesota requires at least $30,000 bodily injury per person, $60,000 per accident and $10,000 property damage, plus pip $40,000, uninsured/underinsured 25/50. Minnesota is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Ham Lake?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Ham Lake for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Ham Lake?
An 18-year-old in Ham Lake is estimated at $4,032 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Ham Lake?
A DUI takes the estimate from $1,770 to about $3,345 a year in Ham Lake, an increase of roughly 89%. Minnesota drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Ham Lake?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

AndoverBlaineAnokaWest Coon RapidsChamplinCoon RapidsLino LakesRamsey

Comparing more of Minnesota? See every Minnesota city we price or read the cheap car insurance guide for Ham Lake.