Cheapest Car Insurance Quotes in Golden Valley

Finding the cheapest car insurance quotes in Golden Valley shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Golden Valley Car Insurance

^$ 25

/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 Golden Valley

The car insurance rate in Golden Valley is $991 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $543, making it a popular choice for budget-conscious drivers. Rates in Golden Valley 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 Golden Valley

$991

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Golden Valley

1st place: Iowa Farm Bureau

At $543 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $549 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $549 for six months, making it the third cheapest auto insurance company in Golden Valley.

Golden Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Golden Valley, MN is Iowa Farm Bureau, offering policies at just $543 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $549.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1784 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Golden Valley drivers find the best deals.

Cheap Car Insurance Companies in Golden Valley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$543	$92
Auto-Owners Insurance Co	$549	$91
Westfield	$549	$93
American Family	$573	$97
West Bend Mutual	$711	$120
Travelers	$761	$128
Nationwide	$842	$143
USAA	$880	$148
AAA	$910	$153
Auto-Owners	$973	$164
West Bend	$1048	$179
State Farm	$1097	$185
Western National	$1415	$240
Allstate	$1485	$250
North Star Mutual	$1740	$296
Farmers	$1784	$297

Key Takeaways

Way's key takeaways about car insurance in Golden Valley

The auto insurance costs in Golden Valley fall around $543 for six months.
The cheapest auto insurance company in Golden Valley is Westfield.
Teen drivers pay the highest rate in Golden Valley at $1072 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Golden Valley

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 Golden Valley are given below.

Westfield provides the cheapest minimum car insurance coverage in Golden Valley. Their Average 6 Month Premium is $150. Nationwide is the most expensive at $324 for the same period.

Cheapest Liability Coverage in Golden Valley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
West Bend Mutual	$212	$36
North Star Mutual Insurance	$231	$39
USAA	$250	$42
Auto-Owners Insurance Co	$261	$44
Iowa Farm Bureau	$261	$44
West Bend	$261	$44
Farmers Union Insurance	$268	$45
Auto-Owners	$274	$46
North Star Mutual	$274	$46
AAA	$306	$51
American Family	$306	$51
Travelers	$306	$51
State Farm	$331	$56
Western National	$350	$59
Allstate	$511	$86
Farmers	$723	$123
Nationwide	$324	$54

Cheapest Full Coverage Car Insurance in Golden Valley

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 Golden Valley is Iowa Farm Bureau at $92 per month and $543 for six months.

Cheapest Full Coverage Car Insurance Quotes in Golden Valley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$543	$92
Auto-Owners Insurance Co	$549	$91
Westfield	$549	$93
American Family	$573	$97
West Bend Mutual	$711	$120
Travelers	$761	$128
Nationwide	$842	$143
USAA	$880	$148
AAA	$910	$153
Auto-Owners	$973	$164
West Bend	$1048	$179
State Farm	$1097	$185
Western National	$1415	$240
Allstate	$1485	$250
North Star Mutual	$1740	$296
Farmers	$1784	$297

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Golden Valley Instantly!

Average Car Insurance in Golden Valley 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 Golden Valley, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Golden Valley, 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, Golden Valley's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Golden Valley

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	$687
30s	Farm Bureau Mutual	$490
40s	Farm Bureau Mutual	$485
50s	Farm Bureau Mutual	$408
60s	Farm Bureau Mutual	$418
70s	Farm Bureau Mutual	$490

Cheapest Car Insurance Rates for Teen Drivers in Golden Valley,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Golden Valley at $30 per month. At $6430 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
North Star Mutual Insurance	$250	$42
Auto-Owners Insurance Co	$268	$45
Iowa Farm Bureau	$274	$46
Farmers Union Insurance	$287	$48
Umialik	$356	$59
American Family	$973	$164
Travelers	$1092	$184
Auto-Owners	$1428	$240
USAA	$1460	$246
State Farm	$2177	$366
AAA	$2196	$370
Allstate	$3499	$589
North Star Mutual	$3668	$611
Western National	$4079	$694
Farmers	$6430	$1072

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 Golden Valley.

As young drivers face the highest rates in Golden Valley, Farm Bureau Mutual offers the cheapest auto insurance rates at $687 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 Golden Valley, West Bend Mutual is the cheapest car insurance provider. At $268 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 Golden Valley is State Farm, offering rates of around $7117 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$268	$45
Westfield	$331	$55
Farmers Union Insurance	$368	$63
Iowa Farm Bureau	$518	$86
American Family	$530	$90
USAA	$1734	$289
AAA	$1933	$326
Travelers	$2489	$415
North Star Mutual	$2881	$490
Auto-Owners	$3006	$501
Farmers	$3305	$562
Western National	$3456	$575
Allstate	$4141	$705
State Farm	$7117	$1187

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Golden Valley.

Car Insurance Rates with An Accident in Golden Valley

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 Golden Valley, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Golden Valley

The cheapest car insurance companies after an at-fault accident in Golden Valley include Westfield and Umialik, offering $218 and $274, respectively. Nationwide is an expensive provider with an average six-month premium of $431.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
Umialik	$274	$46
Iowa Farm Bureau	$337	$56
Auto-Owners Insurance Co	$356	$61
Farmers Union Insurance	$362	$60
West Bend Mutual	$368	$63
North Star Mutual Insurance	$424	$70
Encompass	$462	$79
American Family	$649	$109
Western National	$674	$113
Auto-Owners	$723	$122
State Farm	$749	$126
Travelers	$836	$141
USAA	$898	$151
AAA	$1422	$239
North Star Mutual	$1684	$284
Farmers	$2626	$438
Allstate	$2720	$458
Nationwide	$431	$71

Golden Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Golden Valley MN. For example, the car insurance in Golden Valley after a DUI increases to $1148 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Golden Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1073	$179
One Med/PIP claim	$1086	$185
Not-at-fault accident	$1104	$184
One comp claim	$1141	$194
Two Med/PIP claims	$1141	$190
Two comp claims	$1192	$203
Failure to wear a seat belt	$1222	$204
Failure to show documents	$1241	$211
Child safety restraint	$1260	$210
Driving without lights	$1260	$214
Driving with expired registration	$1285	$214
Cell phone violation	$1309	$223
Speeding 6 - 10 MPH over limit	$1309	$218
Texting while driving	$1309	$223
Following too closely	$1322	$221
Driving too slowly	$1328	$226
Failure to yield	$1328	$222
Illegal turn	$1328	$226
Speeding in school zone	$1328	$222
Wrong way/wrong lane	$1328	$226
Failure to stop at a red light	$1335	$223
Improper passing	$1335	$227
Speeding 11 - 15 MPH over limit	$1341	$224
Speeding 16 - 20 MPH over limit	$1353	$230
At-fault accident - less than $1000	$1385	$231
Passing school bus	$1385	$235
In 65 MPH zone	$1391	$232
Operating a vehicle without permission	$1398	$237
Speeding 21 - 25 MPH over limit	$1441	$240
At-fault accident - $1000-$2000	$1540	$261
Open container	$1547	$258
At-fault accident - greater than $2000	$1578	$269
Reckless driving	$1933	$322
Racing	$1996	$339
Driving with a suspended license	$2121	$354
Refusal to submit to a chemical test	$2145	$364
DUI	$2221	$370
Leaving scene of an accident/hit and run	$2302	$392

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Golden Valley 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 Golden Valley.

The cheapest car insurance premiums in Golden Valley are offered by Umialik at $274 for a six-month policy. However, it can be as expensive as $4983 with companies like AAA.

Golden Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$274	$46
West Bend Mutual	$287	$48
Farmers Union Insurance	$343	$57
Westfield	$386	$66
Iowa Farm Bureau	$505	$84
Country Financial	$537	$91
Auto-Owners Insurance Co	$573	$96
American Family	$605	$102
Western National	$855	$144
Travelers	$861	$145
State Farm	$1097	$185
USAA	$1185	$200
Auto-Owners	$1222	$206
Farmers	$2663	$453
Allstate	$2826	$476
North Star Mutual	$4977	$846
AAA	$4983	$831

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 Golden Valley are offered by Westfield at $181. However, it can be as expensive as $3125 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Golden Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Iowa Farm Bureau	$287	$48
West Bend Mutual	$287	$48
Auto-Owners Insurance Co	$299	$50
American Family	$318	$53
Farmers Union Insurance	$324	$56
State Farm	$686	$116
Western National	$855	$144
USAA	$904	$151
Auto-Owners	$998	$170
Travelers	$1086	$181
North Star Mutual	$1740	$296
Farmers	$2239	$373
AAA	$2321	$395
Allstate	$3125	$521

Car Insurance Price Trends in Golden Valley, Minnesota

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

The average cost of full coverage in the Golden Valley rose by $226 in January compared to $186 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Golden Valley rose to $54 in January, compared to $51 in December. This represents an increase of $3 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Golden Valley?

The car insurance in Golden Valley is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Golden Valley?

The cheapest car insurance in Golden Valley is $92 per month for full coverage.

How much is car insurance in Golden Valley for teenagers?

Car insurance for teenagers costs $181 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 Golden Valley?

The average cost of car insurance is $944 for a six-month policy. It will cost around $167 per month to insure your car in Golden Valley.

Is car insurance expensive in Golden Valley?

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

Cheapest Car Insurance Quotes in Golden Valley

Why you can trust Way?

How Much Is Car Insurance in Golden Valley

Avg. Car Insurance in Golden Valley

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Golden Valley

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Golden Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Golden Valley, MN

Way's key takeaways about car insurance in Golden Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Golden Valley

Cheapest Liability Coverage in Golden Valley, MN

Cheapest Full Coverage Car Insurance in Golden Valley

Cheapest Full Coverage Car Insurance Quotes in Golden Valley, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Golden Valley by Rating Factor

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

Car Insurance Premiums by Age in Golden Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Golden Valley,MN

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

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 Golden Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Golden Valley

Golden Valley Car Insurance Rates by Violation

Golden Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Golden Valley after a DUI

Golden Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Golden Valley after Speeding ticket

Car Insurance Price Trends in Golden Valley, Minnesota

Average Car Insurance Cost in Golden Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Golden Valley, MN

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

Featured Blogs

Data Sources