Compare Garfield, MN Car Insurance Rates (2021)

Car insurance in Garfield, MN averages $351 a month. Garfield, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Garfield car insurance rates, compare quotes from the top car insurance companies in Garfield, 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

  • The cheapest car insurance company in Garfield is State Farm
  • The cheapest car insurance company in Garfield for teen drivers is State Farm
  • Average car insurance rates in Garfield, MN are $4,211/year

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

You’ll find Garfield car insurance rates, the cheapest Garfield, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Garfield, Minnesota car insurance rates to Bloomington car insurance rates, Minneapolis car insurance rates, and Brooklyn Park car insurance rates.

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

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

How do age, gender, and marital status affect Garfield, MN car insurance rates? Every Garfield, 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 Garfield, 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 $2,913 $2,913 $2,796 $2,796 $6,581 $9,534 $3,546 $3,723
American Family $2,076 $2,076 $1,882 $1,882 $5,598 $8,132 $2,076 $2,345
Farmers $1,664 $1,662 $1,605 $1,693 $4,599 $4,637 $2,172 $2,101
GEICO $2,756 $2,737 $2,639 $2,565 $5,625 $7,173 $2,585 $2,657
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $1,749 $1,755 $1,560 $1,652 $4,476 $5,428 $2,054 $2,134
State Farm $1,431 $1,431 $1,276 $1,276 $3,107 $3,828 $1,659 $1,367
USAA $1,849 $1,843 $1,677 $1,685 $4,880 $5,373 $2,421 $2,588

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Minimum Car Insurance in Garfield, MN

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

Minimum Required Car Insurance Coverage in Garfield, 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 Garfield, MN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Garfield, Minnesota

Insurance Company Poor Fair Good
Allstate $6,400 $3,452 $3,199
American Family $4,428 $2,960 $2,387
Farmers $3,154 $2,273 $2,124
GEICO $4,314 $3,524 $2,938
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,089 $2,498 $2,216
State Farm $2,802 $1,714 $1,250
USAA $4,403 $2,126 $1,840

Cheapest Garfield, 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 Garfield, MN to rates for a clean record with top companies.

Annual Garfield, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,213 $4,583 $5,444 $4,161
American Family $2,181 $3,979 $4,400 $2,473
Farmers $2,160 $2,707 $2,741 $2,458
GEICO $2,372 $3,788 $5,666 $2,541
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,073 $2,738 $3,144 $2,450
State Farm $1,766 $2,078 $1,922 $1,922
USAA $2,074 $2,633 $3,981 $2,470

Cheapest Garfield, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garfield, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,581 $9,534
American Family $5,598 $8,132
Farmers $4,599 $4,637
GEICO $5,625 $7,173
Liberty Mutual $17,660 $26,524
Nationwide $4,476 $5,428
State Farm $3,107 $3,828
USAA $4,880 $5,373

Cheapest Garfield, MN Car Insurance for Seniors

Take a look at Garfield, 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 Garfield, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,796 $2,796
American Family $1,882 $1,882
Farmers $1,605 $1,693
GEICO $2,639 $2,565
Liberty Mutual $8,863 $8,863
Nationwide $1,560 $1,652
State Farm $1,276 $1,276
USAA $1,677 $1,685

Cheapest Garfield, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garfield, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,444
American Family $4,400
Farmers $2,741
GEICO $5,666
Liberty Mutual $18,523
Nationwide $3,144
State Farm $1,922
USAA $3,981

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Cheapest Garfield, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garfield, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,350 $4,350
American Family $3,220 $3,296
Farmers $2,517 $2,517
GEICO $3,546 $3,638
Liberty Mutual $12,283 $13,028
Nationwide $2,601 $2,601
State Farm $1,870 $1,974
USAA $2,753 $2,826

The Best Cheap Car Insurance Companies in Garfield, MN

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

Average Annual Car Insurance Rates by Company in Garfield, Minnesota

Insurance Company Average Annual Rates
Allstate $4,350
American Family $3,258
Farmers $2,517
GEICO $3,592
Liberty Mutual $12,656
Nationwide $2,601
State Farm $1,922
USAA $2,789

Category Winners: Cheapest Car Insurance in Garfield, Minnesota

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

Best Annual Car Insurance Rates by Company in Garfield, 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 Garfield, MN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Garfield, Minnesota

Insurance Company Low Medium High
Allstate $4,295 $4,346 $4,410
American Family $3,253 $3,349 $3,173
Farmers $2,423 $2,527 $2,600
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,458 $2,619 $2,726
State Farm $1,846 $1,928 $1,992
USAA $2,714 $2,787 $2,867

What affects car insurance rates in Garfield, Minnesota?

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

Commute Time in Garfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Garfield, MN is 24.6 minutes according to City-Data.

Compare Car Insurance Quotes in Garfield, MN

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

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