Car Insurance in Blaine, MN

Car insurance in Blaine, MN, keeps your budget intact when you experience an auto accident.
Compare, shop and customize quotes from top-rated insurance carriers.

Blaine's Burgeoning Suburban Location

More than 70,000 residents live in Blaine, MN, one of the state's fastest-growing communities for several decades. This Minneapolis suburb offers easy access to the Twin Cities with a local connection to SR-65, US-10 and I-35W. Blaine is the perfect place for nature lovers with miles of trails and 66 within city limits. Major employers here include the Aveda Corporation, Cub Foods and Infinite Campus.

Most people who live in Blaine drive their own cars to work, a total of nearly 83% according to Sperling's Best Places. About another 8% carpool with friends and family members. If you're considering a move to the area, full-coverage car insurance in Blaine, MN, can protect you from the financial impact of accidents and other catastrophes.

Concerns for Car Owners in Blaine

According to a 2022 report by KARE 11, Blaine police receive 10 accident reports a day from the stretch of SR-65 that passes through the city. State data indicates that 10 of Minnesota's 31 most dangerous intersections are on this same segment of highway.

In addition to an elevated accident risk, Blaine drivers may have concerns about the city's higher-than-average rate of property crimes. You could be more likely to experience car theft or vandalism, with an average rate of 2.93 incidents per 100 residents, compared to a national rate of 2.11 and a state rate of 2.08. Comprehensive car insurance in Blaine, MN, pays for repair or replacement of your vehicle in non-accident incidents, while collision insurance covers accident damage. You can find affordable rates with personalized quotes from VIU by HUB.

Average Cost of Car Insurance in Blaine, MN

Drivers who live in Blaine pay about $1,651 annually or $138 per month for auto insurance, according to data from MarketWatch. That's just a bit higher than the Minnesota average of $136 per month or $1,632 per year. In comparison, the average U.S. driver pays about $1,730 per year for car insurance. You'll find the highest Minnesota rates in St. Paul and Minneapolis, while motorists tend to pay less in suburban areas such as Blaine.

VIU by HUB can help you find the right auto insurance in Blaine at the right cost. You can get multiple quotes in minutes, which typically translates to savings because each provider has its own way of calculating rates. Premiums can even change from one neighborhood to the next based on crime, claim rates and average auto value.

Mandated Minneapolis Auto Insurance

Minnesota requires drivers to carry several types of car insurance. You will need to purchase a policy that includes at least:

  • $40,000 per person, per accident, for personal injury protection. PIP covers medical bills and funeral expenses for the driver's household after a serious accident. This policy also pays for lost wages when someone in your household cannot work after an auto accident.
  • $30,000 per person and $60,000 per accident for bodily injury liability. This policy pays third-party costs for medical bills and funeral expenses if you cause a car accident.
  • $10,000 per accident in property damage liability. This type of coverage repairs or replaces the other vehicle if you have an at-fault accident.
  • $25,000 per person and $50,000 per accident in uninsured and underinsured motorist coverage. This policy takes effect when you reach your PIP limit after an accident with a driver who has insufficient insurance.

Your auto lender may also require you to carry additional car insurance in Blaine, MN, if you have a car loan. You can find personalized rates on coverage designed for you when you use VIU by HUB to find insurance.

This information is intended for general informational purposes only and is not intended to constitute legal advice.




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U.S. Census Bureau

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