Compare Lakefield, MN Car Insurance Rates (2021)

Car insurance in Lakefield, MN averages $339 a month. Lakefield, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Lakefield car insurance rates, compare quotes from the top car insurance companies in Lakefield, 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 Lakefield is State Farm
  • Average car insurance rates in Lakefield, MN after a DUI are $5,516/year
  • Average car insurance rates in Lakefield, MN are $4,065/year

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

You’ll find Lakefield car insurance rates, the cheapest Lakefield, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Lakefield, Minnesota car insurance rates to Plymouth car insurance rates, Brooklyn Park car insurance rates, and Maple Grove car insurance rates.

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

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

How do age, gender, and marital status affect Lakefield, MN car insurance rates? Every Lakefield, 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 Lakefield, 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 $2,801 $2,801 $2,694 $2,694 $6,399 $9,271 $3,411 $3,579
American Family $1,959 $1,959 $1,777 $1,777 $5,302 $7,684 $1,959 $2,211
Farmers $1,778 $1,780 $1,714 $1,812 $4,922 $5,000 $2,335 $2,273
GEICO $2,420 $2,401 $2,313 $2,248 $5,064 $6,431 $2,267 $2,347
Liberty Mutual $8,649 $8,649 $8,564 $8,564 $17,050 $25,601 $8,649 $12,054
Nationwide $1,823 $1,831 $1,623 $1,722 $4,557 $5,532 $2,129 $2,210
State Farm $1,372 $1,372 $1,219 $1,219 $2,928 $3,610 $1,591 $1,313
USAA $1,743 $1,737 $1,582 $1,590 $4,569 $5,027 $2,279 $2,435

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Minimum Car Insurance in Lakefield, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Lakefield, Minnesota

Insurance Company Poor Fair Good
Allstate $6,170 $3,346 $3,103
American Family $4,165 $2,804 $2,267
Farmers $3,371 $2,446 $2,287
GEICO $3,826 $3,128 $2,606
Liberty Mutual $17,039 $11,018 $8,610
Nationwide $3,187 $2,568 $2,280
State Farm $2,665 $1,630 $1,189
USAA $4,124 $2,002 $1,733

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

Annual Lakefield, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,060 $4,432 $5,325 $4,008
American Family $2,054 $3,788 $4,144 $2,328
Farmers $2,327 $2,895 $2,926 $2,659
GEICO $2,114 $3,362 $5,005 $2,265
Liberty Mutual $8,985 $12,304 $17,909 $9,691
Nationwide $2,123 $2,822 $3,249 $2,519
State Farm $1,684 $1,972 $1,828 $1,828
USAA $1,948 $2,472 $3,739 $2,320

Cheapest Lakefield, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lakefield, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,399 $9,271
American Family $5,302 $7,684
Farmers $4,922 $5,000
GEICO $5,064 $6,431
Liberty Mutual $17,050 $25,601
Nationwide $4,557 $5,532
State Farm $2,928 $3,610
USAA $4,569 $5,027

Cheapest Lakefield, MN Car Insurance for Seniors

Take a look at Lakefield, 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 Lakefield, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,694 $2,694
American Family $1,777 $1,777
Farmers $1,714 $1,812
GEICO $2,313 $2,248
Liberty Mutual $8,564 $8,564
Nationwide $1,623 $1,722
State Farm $1,219 $1,219
USAA $1,582 $1,590

Cheapest Lakefield, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lakefield, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,325
American Family $4,144
Farmers $2,926
GEICO $5,005
Liberty Mutual $17,909
Nationwide $3,249
State Farm $1,828
USAA $3,739

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Cheapest Lakefield, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lakefield, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,206 $4,206
American Family $3,043 $3,114
Farmers $2,702 $2,702
GEICO $3,144 $3,229
Liberty Mutual $11,863 $12,582
Nationwide $2,678 $2,678
State Farm $1,779 $1,877
USAA $2,586 $2,654

The Best Cheap Car Insurance Companies in Lakefield, MN

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

Average Annual Car Insurance Rates by Company in Lakefield, Minnesota

Insurance Company Average Annual Rates
Allstate $4,206
American Family $3,078
Farmers $2,702
GEICO $3,186
Liberty Mutual $12,222
Nationwide $2,678
State Farm $1,828
USAA $2,620

Category Winners: Cheapest Car Insurance in Lakefield, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Lakefield, Minnesota

Insurance Company Low Medium High
Allstate $4,150 $4,202 $4,267
American Family $3,067 $3,163 $3,006
Farmers $2,607 $2,713 $2,785
GEICO $3,092 $3,185 $3,283
Liberty Mutual $11,943 $12,230 $12,494
Nationwide $2,538 $2,695 $2,801
State Farm $1,760 $1,833 $1,891
USAA $2,547 $2,618 $2,695

What affects car insurance rates in Lakefield, Minnesota?

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

Commute Time in Lakefield

The more time you spend in your car the higher the risk of an accident. The average commute length in Lakefield, MN is 18.2 minutes according to City-Data.

Compare Car Insurance Quotes in Lakefield, MN

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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