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Jerry Data & Research
Cheapest car insurance in Hibbing, Minnesota (Apr 2024)
Cheapest car insurance in Hibbing, Minnesota (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hibbing, Minnesota.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- Cheapest Car Insurance Quotes in Hibbing
- Best car insurance companies in Hibbing
- Best cheap car insurance quotes in Hibbing
- Car insurance quotes in Hibbing by rating factors
- How do different factors impact your car insurance costs in Hibbing?
- Cheap car insurance quotes in Hibbing after driving violations
- Cheap car insurance quotes in Hibbing by age
- Cheap car insurance quotes in Hibbing based on insurance history
- Cheap car insurance quotes in Hibbing for popular cars
- How to lower car insurance costs in Hibbing
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest Car Insurance Quotes in Hibbing
On average, auto insurance in Hibbing costs about $84 per month for minimum coverage liability insurance and about $140 per month for full coverage insurance. Hibbing drivers pay 52% than the
Minnesota
average. Coverage type | Hibbing, MN | Minnesota | United States |
|---|---|---|---|
State minimum | $84 | $67 | $77 |
Full coverage | $140 | $133 | $165 |
Finding an affordable
car insurance
policy is a great way to minimize your auto-related expenses. However, it's important to note that no single "cheapest" car insurance provider suits every driver. To ensure you find the best price for personalized coverage, you’ll need to diligently compare
auto insurance quotes
from various insurance companies before purchasing a policy.Thankfully,
Jerry
experts reviewed some of the best providers in Hibbing, Minnesota to help you find your most cost-effective rate for your profile. Take a look at some of our honorable mentions below: 
Cheapest car insurance companies in Hibbing, MN
Cheapest car insurance companies in Hibbing, MN
Overall standout: Nationwide
$27/month for liability-only, $90/month for full coverage
Best for minimum coverage: Dairyland
$36/month on average
Best for full coverage: Travelers
$97/month on average
Best car insurance companies in Hibbing
Finding the best insurance provider in Hibbing may be overwhelming, so Jerry conducted the largest and most extensive insurance shopping survey in the nation.
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers—and here’s what we found: Ultimately, no single car insurance company can be considered the best or cheapest for every driver.
Instead, insurance rates are highly personalized and vary depending on individual circumstances. That’s why it’s important to compare quotes across multiple providers. But it’s not just cost that’s valuable—it’s also claims handling and customer service.
Using a 5.0 rating scale, our survey respondents in Hibbing scored their current providers in the aforementioned categories. The following insurers not only scored a 4.0 or higher among real policyholders, but also offer the rates.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Customer service score | Overall Jerry score |
|---|---|---|---|---|
$54 | $157 | 3.8 | 3.g | |
$27 | $90 | 4 | 4.3 | |
$54 | $114 | 4.2 | 4.3 | |
$85 | $138 | 4.4 | 4.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a fast and easy way to find the cheapest rates in Hibbing, try using a car insurance comparison app or website.
Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to
shop for car insurance
and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.Jerry also offers comprehensive assistance throughout the process, from helping you register for a new policy to facilitating the cancellation of your old one upon request. With Jerry, you can experience a seamless and convenient insurance service that caters to all your needs.
Best cheap car insurance quotes in Hibbing
Every single driver in the Land of 10,000 Lakes is legally required to carry a specified amount of liability coverage—but, in most circumstances, we highly recommend adding additional types of coverage as a safety net.
Cheap minimum liability insurance quotes in Hibbing
Like most U.S. states,
Minnesota car insurance law
requires all drivers to meet all minimum car insurance requirements before hitting the road. This includes the following:Although liability-only coverage is relatively cheap in Hibbing, Minnesota, drivers can find even lower than average rates with the following insurers:
Insurance company | Monthly minimum coverage cost |
|---|---|
$54 | |
$80 | |
$144 | |
$27 | |
$54 | |
$44 | |
$85 | |
$124 |
Do you need more than minimum coverage in Hibbing?
The best car insurance policy likely includes more than the minimum liability coverage.
If you are in an at-fault accident, you could be responsible for paying medical bills and vehicle repairs that cost far more than the state-mandated 30/60/10 coverage limits, especially if the vehicle is totaled or the driver is severely injured. Thus, raising your coverage level offers better protection.
The bottom line: Invest in 100/300/100 liability coverage for optimal protection—even if you choose to forego full coverage.
Cheap full coverage car insurance quotes in Hibbing
Full coverage
isn’t legally required in Hibbing, but it will provide valuable coverage if you happen to be injured—or your vehicle happens to be damaged—in an at-fault accident. Full coverage includes
comprehensive
and collision coverage
. Collision coverage provides financial assistance for repairing or replacing your vehicle that has been damaged in an accident. On the other hand, comprehensive coverage offers coverage for damages caused by almost everything else—vandalism, environmental factors, and even theft.
Remember that if you lease or finance a vehicle, your auto loan provider will likely require you to maintain full coverage until your loan is paid off. Take a look at the table below to see some of the best providers for cheap full coverage premiums in Hibbing.
Insurance company | Monthly full coverage cost |
|---|---|
$157 | |
$180 | |
$122 | |
$246 | |
$90 | |
$114 | |
$99 | |
$138 | |
$97 |
Car insurance quotes in Hibbing by rating factors
- Driving history and claims: Insurance providers may charge you higher rates if you have a record of accidents or traffic violations.
- Location: Insurance rates tend to be higher for drivers residing in cities than those in rural areas. Different ZIP codes within the same city may also have varying insurance rates.
- Vehicle type: Luxury, high-performance, and sports cars generally come with higher insurance costs for collision and comprehensive coverage.
- Vehicle usage: Insurance companies may charge higher premiums if you use your car for commuting to work or if you have a higher annual mileage than leisure usage.
- Credit score: A good credit score is often associated with lower insurance premiums, as it indicates financial responsibility.
Keep in mind that these factors can differ among insurance providers. Therefore, it is recommended to directly contact insurance companies or use an online comparison tool to get personalized quotes that suit your needs.
How do different factors impact your car insurance costs in Hibbing?
How do different factors impact your car insurance costs in Hibbing?
Allowed (with applicable limitations): Driving experience, gender, age, occupation, credit history, education, marital status.
Prohibited (or effectively prohibited): Employment status, residential status.
Learn more about the car insurance rating factors in Hibbing:
Cheap car insurance quotes in Hibbing after driving violations
Your driving history is crucial in determining the quotes for your auto insurance. If insurance companies notice a history of violations, they perceive you as a higher-risk driver, and you’ll be charged higher insurance premiums.
Some of the most common traffic violations that can increase your car insurance rates include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
Cheapest car insurance in Hibbing after speeding ticket
The law generally classifies speeding violations in terms of various levels depending on how much the speed limit was exceeded. Levels generally include:
- 1-5 mph over the limit
- 6-10 mph over the limit
- 11-15 mph over the limit
- 16-20 mph over the limit
Although a speeding ticket will likely increase your Hibbing insurance premiums, you can still find cost-effective car insurance with these providers:
Insurance company | Monthly coverage cost |
|---|---|
$219 | |
$137 | |
$262 |
Cheapest car insurance in Hibbing after DUI
DUI violations in Minnesota
typically lead to a more substantial increase in car insurance rates than other violations. It is often a good idea to compare rates from multiple insurers to find the most affordable options after a DUI, and with these providers, it’s possible:
Insurance company | Monthly coverage cost |
|---|---|
$154 | |
$165 | |
$216 |
Cheapest car insurance in Hibbing after an at-fault accident
Your car insurance rates are significantly influenced by your car accident or claim history. Insurance companies carefully review your past at-fault accidents to assess the level of risk you represent as an insured individual.
If you have recently been involved in an at-fault accident, your car insurance rates can experience a substantial increase. But there are some insurers who offer cheaper car insurance premiums for those with past accidents on their record:
Insurance company | Monthly coverage cost |
|---|---|
$180 | |
$105 |
Cheapest car insurance in Hibbing after other driving violations
In addition to speeding tickets and DUIs, other infractions, such as careless driving and driving with a
suspended license
, can also lead to higher car insurance expenses in Hibbing.Although prices can rise with a violation on your record, there are providers in Hibbing who provide affordable rates. For example, when it comes to a careless driving charge,
Bristol West
($90/month) and The General ($170/month) offer some of the cheapest premiums. However, when it comes to driving on a suspended license, Dairyland
($171/month) offers some of the most competitive costs.Take a look at the table below to see different violations, along with their cheapest provider and their current rates.
Violation | Top insurance provider | Monthly coverage cost |
|---|---|---|
Cell Phone | $88 | |
Illegal Turn | $188 | |
Defective Equipment | $91 |
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Sean S.
Cheap car insurance quotes in Hibbing by age
Due to their limited driving experience,
insurance rates for young drivers
are often significantly high. However, as individuals age 25, their insurance rates generally decrease. Once individuals reach the age of 75, car insurance costs tend to rise again. Here are the average premium amounts drivers of different age groups pay for coverage in Hibbing:
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
22-25 | $111 | $156 |
26-34 | $55 | $111 |
35-44 | $106 | $143 |
45-54 | $51 | $126 |
65+ | $29 | $48 |
Cheapest car insurance in Hibbing for young drivers
In Minnesota, the age group of 16 to 19 typically faces the highest insurance rates compared to other age groups.
For teen drivers who own newer vehicles, it is advisable to consider opting for full coverage insurance. Why? Teens are more likely to be involved in accidents than other age groups. Full coverage insurance provides greater financial protection in such situations.
We know
finding affordable insurance as a teen
can be tricky—that’s why we compiled a list of the cheapest insurers for teen car insurance in Hibbing. Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$217 | $86 | |
$160 | $160 |
Cheapest car insurance in Hibbing for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-54 see some of the cheapest rates for all age demographics.
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts, bundling policies, and comparing rates with some of the top providers in their area.
If you're a driver between the ages of 25 and 54, here are some of the premium costs you could pay with these insurers:
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$86 | $174 | |
$92 | $207 | |
$76 | $94 |
Cheapest car insurance in Hibbing for senior drivers
Typically, we see higher
car insurance rates for seniors
in their mid-70s and older. Older drivers have a heightened susceptibility to accidents and are more likely to sustain severe injuries in the event of a collision. Consequently, insurance providers face substantial medical expenses and higher costs, resulting in elevated car insurance rates. But that doesn’t mean you can’t save as a senior driver, especially with these providers:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$30 | $50 | |
$23 | $40 | |
$32 | $52 |
Cheap car insurance quotes in Hibbing based on insurance history
Your insurance history is a significant factor in determining your car insurance rates, especially in terms of whether you currently have coverage or not. Typically, having a
gap in your insurance coverage
leads to higher insurance rates.Jerry sends payment reminders to eligible customers to support Hibbing drivers in making timely insurance payments and preventing coverage gaps. These reminders are sent when a payment is approaching or if they have fallen behind on their payments.
We’ve helped many customers who are currently uninsured or have experienced coverage lapses in finding opportunities to save on a new policy.
But until that’s set up, consider starting by comparing rates from some of the cheapest providers in Hibbing for drivers with a poor insurance history:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$123 | $203 | |
$123 | $271 | |
$61 | $121 | |
$80 | $117 |
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
My experience with Jerry and Progressive was awesome. No issues with the insurance at all and using Jerry helped me cost-compare without an official quote, which usually comes with TONS of phone calls from salespersons.
Kyle J., Minneapolis, MN
Shopped around and they had the best prices. And for full coverage you can’t beat that.
Robin G., St. Paul, MN
I found out about Jerry on YouTube and fell in love they have hooked me up with amazing deals and have the best customer service.
Felix N., Crystal, MN
Easy to get coverage and affordable!
Alfonse
Cheap car insurance quotes in Hibbing for drivers with poor credit
In Hibbing, Minnesota, individuals with lower credit scores often face higher insurance costs than those with higher credit ratings, even though credit scores do not directly indicate driving proficiency. Insurance companies have observed a relationship between low credit scores and an increased frequency of filed claims by drivers.
Based on our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).
Credit score | Monthly coverage cost |
|---|---|
< 600 | $106 |
601-699 | $109 |
However, if you have a credit score under 700, you can still find lower than average car insurance premiums with these trusted providers:
Insurance company | Monthly full coverage cost |
|---|---|
$58 | |
$71 | |
$63 |
Cheap car insurance quotes in Hibbing for popular cars
Your choice of vehicle has a significant impact on your car insurance premiums. Several factors associated with the type of car affect insurance costs, including repair or replacement costs, the likelihood of theft, and the vehicle's overall safety performance.
For example, some drivers may find the cheapest rates for a 2022 Nissan Rogue with
Progressive
($119/month) and Elephant Auto Insurance
($264/month). On the other hand, drivers of a 2021 Ford Bronco may find the lowest costs with Travelers
($69/month) and Mercury Auto
($80/month).See the table below to find a full breakdown of the cheapest provider for some of the most popular vehicles in Hibbing, along with their full coverage rates.
Vehicle type | Top insurance provider | Monthly full coverage cost |
|---|---|---|
$852 | ||
$733 | ||
$213 | ||
$547 | ||
$227 |
How to lower car insurance costs in Hibbing
1. Shop around and compare quotes
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to
shop for car insurance quotes
with at least three different providers every six months.If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Hibbing that’ll take the guesswork out of your hunt for cheap rates.
2. Hunt for car insurance discounts
A great
car insurance discount
is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:- Good driver discounts: You're due for some savings if you've held aclean driving recordfor at least three years.
- Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if youbundle your home and auto insuranceproducts from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
Why is car insurance in Hibbing so expensive?
Are you noticing that your Hibbing car insurance rates seem slightly high? Here are some potential explanations:
- Dense cities: If you live in a major city, you likely suffer from more traffic congestion and a higher probability of accidents. This typically results in increased insurance premiums.
- Pricey healthcare: What does the cost of Minnesota medical care have to do with car insurance? Medical expenses associated with accidents and injuries are factored into coverage auto coverage costs.
- Rate of car thefts: Regions with an increased incidence of car thefts can lead to steeper insurance costs as insurers compensate for the higher risk of vehicle loss or damage.
- High risk of natural disasters: Minnesota is subject to various natural disasters, from blizzards to wildfires, to tornadoes—all of which can cause expensive damages to your vehicle.
Considering these factors, it is not uncommon for car insurance in Hibbing, Minnesota, to be relatively expensive compared to other regions.
FAQ
How much is car insurance in Hibbing?
People living in Hibbing pay on average $84 per month – or $1,008 per year – on state-minimum liability coverage. Full coverage in Hibbing costs on average $140 per month or $1,680 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Hibbing, Minnesota?
The state-minimum car insurance in Hibbing, Minnesota is as follows:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.
What is the cheapest car insurance in Hibbing?
No single insurance company has the cheapest insurance for everyone—however, most drivers in Hibbing find affordable car insurance rates with Nationwide, Dairyland, and Travelers.
What is the best car insurance in Hibbing?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Hibbing drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
