Car Insurance Quotes in New Brighton, MN
Drivers in New Brighton pay an estimated $1,770 a year for full coverage car insurance, or about $148 a month. Premiums here land roughly 11% under the Minnesota average thanks to low traffic density and few comprehensive claims. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.
Car insurance calculator — New Brighton, MN
Estimated from state average premiums and your rating factors. Not a quote.
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 New Brighton, MN
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| 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 | $148 | 0% | 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 New Brighton, 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 New Brighton
| Driver age | Full coverage / yr | Minimum / yr | Full 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 New Brighton, MN, clean record, sedan.
What a ticket, accident or DUI costs in New Brighton
| Driving record | Est. annual | Increase |
|---|---|---|
| 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 New Brighton, MN. Surcharges normally stay on the policy for three to five years.
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 Minnesota | Minimum limit |
|---|---|
| Bodily injury liability, per person | $30,000 |
| Bodily injury liability, per accident | $60,000 |
| Property damage liability | $10,000 |
| PIP $40,000 | Required |
| Uninsured/underinsured 25/50 | Required |
| Insurance system | No-fault |
Coverage levels compared in New Brighton
| Coverage level | Est. annual | Est. 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 New Brighton, 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 New Brighton
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. New Brighton covers 55112, 55432, 55421, 55126 among others. Enter yours in the calculator above.
Frequently asked questions
▸How much is car insurance in New Brighton, MN?
▸What is the minimum car insurance required in Minnesota?
▸Who has the cheapest car insurance in New Brighton?
▸How much does car insurance cost for a teen driver in New Brighton?
▸How much does a DUI raise insurance in New Brighton?
▸Can I lower my car insurance bill in New Brighton?
Car insurance in nearby cities
Comparing more of Minnesota? See every Minnesota city we price or read the cheap car insurance guide for New Brighton.