Cheapest Car Insurance Quotes in Genola

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Genola Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Genola

The car insurance rate in Genola is $891 for a six-month policy, which is $88 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Genola can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Genola

$891

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Genola

1st place: AAA

At $475 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $574 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $581 for six months, making it the third cheapest auto insurance company in Genola.

Genola Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Genola, MN is AAA, offering policies at just $475 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $574.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1721 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Genola drivers find the best deals.

Cheap Car Insurance Companies in Genola, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$475	$81
Iowa Farm Bureau	$574	$95
Auto-Owners Insurance Co	$581	$99
Westfield	$581	$97
American Family	$706	$119
Travelers	$751	$127
West Bend Mutual	$751	$127
Nationwide	$890	$149
USAA	$904	$152
Auto-Owners	$976	$164
State Farm	$1101	$185
West Bend	$1108	$184
Allstate	$1365	$230
Farmers	$1721	$286

Key Takeaways

Way's key takeaways about car insurance in Genola

The auto insurance costs in Genola fall around $475 for six months.
The cheapest auto insurance company in Genola is Westfield.
Teen drivers pay the highest rate in Genola at $1039 per month.

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Cheapest Minimum Liability Car Insurance in Genola

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Genola are given below.

Westfield provides the cheapest minimum car insurance coverage in Genola. Their Average 6 Month Premium is $159. Nationwide is the most expensive at $343 for the same period.

Cheapest Liability Coverage in Genola, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
West Bend Mutual	$224	$38
AAA	$231	$39
North Star Mutual	$244	$41
North Star Mutual Insurance	$244	$41
USAA	$244	$41
Auto-Owners	$276	$47
Auto-Owners Insurance Co	$276	$47
Iowa Farm Bureau	$276	$47
West Bend	$276	$47
Farmers Union Insurance	$283	$48
Travelers	$303	$51
American Family	$316	$53
State Farm	$316	$53
Western National	$336	$58
Allstate	$547	$92
Farmers	$771	$131
Nationwide	$343	$57

Cheapest Full Coverage Car Insurance in Genola

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Genola is AAA at $81 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Genola, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$475	$81
Iowa Farm Bureau	$574	$95
Auto-Owners Insurance Co	$581	$99
Westfield	$581	$97
American Family	$706	$119
Travelers	$751	$127
West Bend Mutual	$751	$127
Nationwide	$890	$149
USAA	$904	$152
Auto-Owners	$976	$164
State Farm	$1101	$185
West Bend	$1108	$184
Allstate	$1365	$230
Farmers	$1721	$286

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Average Car Insurance in Genola by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Genola, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Genola, Minnesota, may be increasing due to several external factors. Minnesota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Genola's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Genola

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$738
30s	Farm Bureau Mutual	$527
40s	Farm Bureau Mutual	$522
50s	Farm Bureau Mutual	$438
60s	Farm Bureau Mutual	$450
70s	Farm Bureau Mutual	$527

Cheapest Car Insurance Rates for Teen Drivers in Genola,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Genola at $32 per month. At $6230 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$191	$32
North Star Mutual Insurance	$264	$44
Auto-Owners Insurance Co	$283	$48
AAA	$290	$49
Iowa Farm Bureau	$290	$49
Farmers Union Insurance	$303	$51
Umialik	$376	$64
Travelers	$962	$162
Auto-Owners	$1384	$233
USAA	$1471	$248
American Family	$1780	$300
State Farm	$2137	$360
Allstate	$3580	$603
Farmers	$6230	$1039

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Genola.

As young drivers face the highest rates in Genola, Farm Bureau Mutual offers the cheapest auto insurance rates at $738 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Genola, West Bend Mutual is the cheapest car insurance provider. At $283 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Genola is State Farm, offering rates of around $5710 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$283	$48
Westfield	$350	$58
Farmers Union Insurance	$389	$67
Iowa Farm Bureau	$547	$91
AAA	$619	$105
American Family	$1187	$200
USAA	$1648	$281
Travelers	$1971	$329
Auto-Owners	$2671	$454
Farmers	$3263	$544
Allstate	$3692	$628
State Farm	$5710	$951

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Car Insurance Rates with An Accident in Genola

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Genola, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Genola

The cheapest car insurance companies after an at-fault accident in Genola include Westfield and Umialik, offering $231 and $290, respectively. Nationwide is an expensive provider with an average six-month premium of $455.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$231	$39
Umialik	$290	$49
Western National	$316	$53
Iowa Farm Bureau	$356	$61
Auto-Owners Insurance Co	$376	$62
Farmers Union Insurance	$383	$65
AAA	$389	$64
West Bend Mutual	$389	$67
North Star Mutual	$408	$68
North Star Mutual Insurance	$448	$77
Encompass	$488	$81
Auto-Owners	$706	$119
State Farm	$745	$125
Travelers	$785	$132
USAA	$904	$152
American Family	$1094	$184
Allstate	$2387	$402
Farmers	$2565	$436
Nationwide	$455	$75

Genola Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Genola MN. For example, the car insurance in Genola after a DUI increases to $1214 for a six month policy. While the rate increases by $250 for a six-month policy in the case of a speeding ticket.

Genola auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1134	$189
One Med/PIP claim	$1148	$195
Not-at-fault accident	$1167	$194
One comp claim	$1207	$205
Two Med/PIP claims	$1207	$201
Two comp claims	$1260	$214
Failure to wear a seat belt	$1292	$215
Failure to show documents	$1312	$223
Child safety restraint	$1332	$222
Driving without lights	$1332	$226
Driving with expired registration	$1359	$226
Cell phone violation	$1384	$235
Speeding 6 - 10 MPH over limit	$1384	$231
Texting while driving	$1384	$235
Following too closely	$1397	$233
Driving too slowly	$1404	$239
Failure to yield	$1404	$234
Illegal turn	$1404	$239
Speeding in school zone	$1404	$234
Wrong way/wrong lane	$1404	$239
Failure to stop at a red light	$1411	$235
Improper passing	$1411	$240
Speeding 11 - 15 MPH over limit	$1417	$236
Speeding 16 - 20 MPH over limit	$1431	$243
At-fault accident - less than $1000	$1464	$244
Passing school bus	$1464	$249
In 65 MPH zone	$1471	$245
Operating a vehicle without permission	$1477	$251
Speeding 21 - 25 MPH over limit	$1523	$254
At-fault accident - $1000-$2000	$1628	$276
Open container	$1635	$273
At-fault accident - greater than $2000	$1668	$284
Reckless driving	$2044	$341
Racing	$2110	$359
Driving with a suspended license	$2242	$374
Refusal to submit to a chemical test	$2268	$385
DUI	$2348	$391
Leaving scene of an accident/hit and run	$2433	$414

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Genola after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Genola.

The cheapest car insurance premiums in Genola are offered by Umialik at $290 for a six-month policy. However, it can be as expensive as $2597 with companies like Farmers.

Genola car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$290	$49
West Bend Mutual	$303	$51
Western National	$303	$51
Farmers Union Insurance	$363	$62
Westfield	$408	$68
Iowa Farm Bureau	$534	$91
Country Financial	$567	$94
Auto-Owners Insurance Co	$606	$103
Travelers	$825	$139
State Farm	$877	$148
American Family	$989	$167
Auto-Owners	$1173	$198
USAA	$1193	$201
Allstate	$2460	$414
Farmers	$2597	$433

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Genola are offered by Westfield at $191. However, it can be as expensive as $2479 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Genola after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$191	$32
Iowa Farm Bureau	$303	$51
West Bend Mutual	$303	$51
Western National	$303	$51
Auto-Owners Insurance Co	$316	$53
Farmers Union Insurance	$343	$59
State Farm	$619	$104
American Family	$713	$120
USAA	$844	$141
Auto-Owners	$857	$145
Travelers	$884	$148
Farmers	$2156	$366
Allstate	$2479	$413

Car Insurance Price Trends in Genola, Minnesota

Car insurance rates in Genola have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Genola rose by $196 in December compared to $195 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Genola remained steady at $54 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Genola?

The car insurance in Genola is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Genola?

The cheapest car insurance in Genola is $81 per month for full coverage.

How much is car insurance in Genola for teenagers?

Car insurance for teenagers costs $191 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Genola?

The average cost of car insurance is $803 for a six-month policy. It will cost around $149 per month to insure your car in Genola.

Is car insurance expensive in Genola?

Car insurance can be expensive in Genola if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Genola can be affordable.

Cheapest Car Insurance Quotes in Genola

Why you can trust Way?

How Much Is Car Insurance in Genola

Avg. Car Insurance in Genola

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Genola

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Genola Car Insurance Rates by Company

Cheap Car Insurance Companies in Genola, MN

Way's key takeaways about car insurance in Genola

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Genola

Cheapest Liability Coverage in Genola, MN

Cheapest Full Coverage Car Insurance in Genola

Cheapest Full Coverage Car Insurance Quotes in Genola, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Genola by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Genola, MN increasing?

Car Insurance Premiums by Age in Genola

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Genola,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Genola.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Genola

Cheapest Car Insurance Companies after an At-Fault Accident in Genola

Genola Car Insurance Rates by Violation

Genola auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Genola after a DUI

Genola car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Genola after Speeding ticket

Car Insurance Price Trends in Genola, Minnesota

Average Car Insurance Cost in Genola by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Genola, MN

Car Insurance Rates by State in the USA (2025 Update)

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