Compare Garden City, MN Car Insurance Rates (2021)

Car insurance in Garden City, MN averages $354 a month. Garden City, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Garden City car insurance rates, compare quotes from the top car insurance companies in Garden City, MN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Garden City, MN after a DUI are $5,772/year
  • Average car insurance rates in Garden City, MN are $4,253/year
  • The cheapest car insurance company in Garden City is State Farm

If you need to buy Garden City, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Garden City, MN is right here.

You’ll find Garden City car insurance rates, the cheapest Garden City, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Garden City, Minnesota car insurance rates to Minneapolis car insurance rates, Maple Grove car insurance rates, and St. Cloud car insurance rates.

Ready to find affordable Garden City, MN car insurance today? Enter your ZIP code for fast, free Garden City car insurance quotes.

Cheapest Garden City, MN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Garden City, MN car insurance rates? Every Garden City, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Garden City, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,017 $3,017 $2,904 $2,904 $6,926 $10,048 $3,663 $3,853
American Family $2,156 $2,156 $1,953 $1,953 $5,826 $8,470 $2,156 $2,438
Farmers $2,049 $2,041 $1,978 $2,068 $5,545 $5,516 $2,656 $2,577
GEICO $2,420 $2,401 $2,313 $2,248 $5,064 $6,431 $2,267 $2,347
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $1,709 $1,717 $1,523 $1,616 $4,334 $5,262 $2,002 $2,084
State Farm $1,431 $1,431 $1,278 $1,278 $3,116 $3,840 $1,658 $1,367
USAA $1,813 $1,792 $1,654 $1,645 $4,878 $5,326 $2,361 $2,500

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Minimum Car Insurance in Garden City, MN

Every driver must carry the minimum car insurance in Garden City, MN. Take a look at the Minnesota car insurance requirements.

Minimum Required Car Insurance Coverage in Garden City, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Garden City, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Garden City, MN. Compare credit history car insurance rates in Garden City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Garden City, Minnesota

Insurance Company Poor Fair Good
Allstate $6,635 $3,623 $3,367
American Family $4,605 $3,078 $2,483
Farmers $3,846 $2,749 $2,567
GEICO $3,826 $3,128 $2,606
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,004 $2,429 $2,159
State Farm $2,806 $1,716 $1,252
USAA $4,297 $2,106 $1,836

Cheapest Garden City, MN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Garden City, MN to rates for a clean record with top companies.

Annual Garden City, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,250 $4,786 $5,826 $4,304
American Family $2,273 $4,118 $4,586 $2,577
Farmers $2,611 $3,301 $3,335 $2,968
GEICO $2,114 $3,362 $5,005 $2,265
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,016 $2,665 $3,060 $2,383
State Farm $1,768 $2,082 $1,925 $1,925
USAA $2,040 $2,603 $3,915 $2,427

Cheapest Garden City, MN Car Insurance for Teen Drivers

Teen car insurance in Garden City, MN can be expensive. Take a look at rates from the top car insurance companies in Garden City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Garden City, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,926 $10,048
American Family $5,826 $8,470
Farmers $5,545 $5,516
GEICO $5,064 $6,431
Liberty Mutual $17,660 $26,524
Nationwide $4,334 $5,262
State Farm $3,116 $3,840
USAA $4,878 $5,326

Cheapest Garden City, MN Car Insurance for Seniors

Take a look at Garden City, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Garden City, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,904 $2,904
American Family $1,953 $1,953
Farmers $1,978 $2,068
GEICO $2,313 $2,248
Liberty Mutual $8,863 $8,863
Nationwide $1,523 $1,616
State Farm $1,278 $1,278
USAA $1,654 $1,645

Cheapest Garden City, MN Car Insurance Rates After a DUI

A DUI in Garden City, MN increases car insurance rates. Compare Garden City, Minnesota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Garden City, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,826
American Family $4,586
Farmers $3,335
GEICO $5,005
Liberty Mutual $18,523
Nationwide $3,060
State Farm $1,925
USAA $3,915

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Cheapest Garden City, MN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Garden City, MN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Garden City, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,541 $4,541
American Family $3,349 $3,428
Farmers $3,054 $3,054
GEICO $3,144 $3,229
Liberty Mutual $12,283 $13,028
Nationwide $2,531 $2,531
State Farm $1,873 $1,977
USAA $2,710 $2,782

The Best Cheap Car Insurance Companies in Garden City, MN

Take a look at a side-by-side comparison of the top car insurance companies in Garden City, MN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Garden City, Minnesota

Insurance Company Average Annual Rates
Allstate $4,541
American Family $3,389
Farmers $3,054
GEICO $3,186
Liberty Mutual $12,656
Nationwide $2,531
State Farm $1,925
USAA $2,746

Category Winners: Cheapest Car Insurance in Garden City, Minnesota

Find the cheapest car insurance companies in Garden City, MN for each category right here.

Best Annual Car Insurance Rates by Company in Garden City, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Cheapest Garden City, MN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Garden City car insurance rates. Find the cheapest Garden City, MN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Garden City, Minnesota

Insurance Company Low Medium High
Allstate $4,476 $4,538 $4,610
American Family $3,385 $3,483 $3,298
Farmers $2,959 $3,062 $3,140
GEICO $3,092 $3,185 $3,283
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,389 $2,550 $2,653
State Farm $1,845 $1,932 $1,998
USAA $2,668 $2,744 $2,826

What affects car insurance rates in Garden City, Minnesota?

What factors can have an impact on Garden City, MN car insurance? There are several reasons why Garden City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Garden City, Minnesota.

Commute Time in Garden City

The more time you spend in your car the higher the risk of an accident. The average commute length in Garden City, MN is 27.7 minutes according to City-Data.

Compare Car Insurance Quotes in Garden City, MN

Ready to find affordable Garden City, Minnesota car insurance today? Enter your ZIP code for fast, free Garden City, MN car insurance quotes.

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