Cheapest Car Insurance Quotes in Granada

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Granada Car Insurance

^$ 20

/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 Granada

The car insurance rate in Granada is $784 for a six-month policy, which is $160 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $429, making it a popular choice for budget-conscious drivers. Rates in Granada 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 Granada

$784

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Granada

1st place: Iowa Farm Bureau

At $429 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 $434 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $434 for six months, making it the third cheapest auto insurance company in Granada.

Granada Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Granada, MN is Iowa Farm Bureau, offering policies at just $429 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $434.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1410 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Granada drivers find the best deals.

Cheap Car Insurance Companies in Granada, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$429	$73
Auto-Owners Insurance Co	$434	$72
Westfield	$434	$74
American Family	$453	$76
West Bend Mutual	$562	$95
Travelers	$602	$101
Nationwide	$666	$113
USAA	$696	$117
AAA	$720	$121
Auto-Owners	$769	$129
West Bend	$828	$141
State Farm	$867	$146
Western National	$1119	$190
Allstate	$1174	$198
North Star Mutual	$1375	$234
Farmers	$1410	$235

Key Takeaways

Way's key takeaways about car insurance in Granada

The auto insurance costs in Granada fall around $429 for six months.
The cheapest auto insurance company in Granada is Westfield.
Teen drivers pay the highest rate in Granada at $847 per month.

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

Cheapest Minimum Liability Car Insurance in Granada

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 Granada are given below.

Westfield provides the cheapest minimum car insurance coverage in Granada. Their Average 6 Month Premium is $119. Nationwide is the most expensive at $256 for the same period.

Cheapest Liability Coverage in Granada, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
West Bend Mutual	$168	$28
North Star Mutual Insurance	$183	$31
USAA	$198	$33
Auto-Owners Insurance Co	$207	$35
Iowa Farm Bureau	$207	$35
West Bend	$207	$35
Farmers Union Insurance	$212	$36
Auto-Owners	$217	$37
North Star Mutual	$217	$37
AAA	$242	$41
American Family	$242	$41
Travelers	$242	$41
State Farm	$261	$44
Western National	$276	$46
Allstate	$404	$68
Farmers	$572	$97
Nationwide	$256	$42

Cheapest Full Coverage Car Insurance in Granada

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 Granada is Iowa Farm Bureau at $73 per month and $429 for six months.

Cheapest Full Coverage Car Insurance Quotes in Granada, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$429	$73
Auto-Owners Insurance Co	$434	$72
Westfield	$434	$74
American Family	$453	$76
West Bend Mutual	$562	$95
Travelers	$602	$101
Nationwide	$666	$113
USAA	$696	$117
AAA	$720	$121
Auto-Owners	$769	$129
West Bend	$828	$141
State Farm	$867	$146
Western National	$1119	$190
Allstate	$1174	$198
North Star Mutual	$1375	$234
Farmers	$1410	$235

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Average Car Insurance in Granada 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 Granada, MN increasing?

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

Car Insurance Premiums by Age in Granada

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	$543
30s	Farm Bureau Mutual	$388
40s	Farm Bureau Mutual	$383
50s	Farm Bureau Mutual	$323
60s	Farm Bureau Mutual	$330
70s	Farm Bureau Mutual	$388

Cheapest Car Insurance Rates for Teen Drivers in Granada,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Granada at $24 per month. At $5083 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
North Star Mutual Insurance	$198	$33
Auto-Owners Insurance Co	$212	$36
Iowa Farm Bureau	$217	$37
Farmers Union Insurance	$227	$38
Umialik	$281	$46
American Family	$769	$129
Travelers	$863	$145
Auto-Owners	$1129	$190
USAA	$1154	$194
State Farm	$1721	$290
AAA	$1736	$292
Allstate	$2766	$466
North Star Mutual	$2899	$483
Western National	$3225	$549
Farmers	$5083	$847

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 Granada.

As young drivers face the highest rates in Granada, Farm Bureau Mutual offers the cheapest auto insurance rates at $543 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 Granada, West Bend Mutual is the cheapest car insurance provider. At $212 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 Granada is State Farm, offering rates of around $5626 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$212	$36
Westfield	$261	$43
Farmers Union Insurance	$291	$50
Iowa Farm Bureau	$409	$68
American Family	$419	$71
USAA	$1370	$228
AAA	$1528	$257
Travelers	$1967	$328
North Star Mutual	$2278	$388
Auto-Owners	$2376	$396
Farmers	$2613	$444
Western National	$2732	$455
Allstate	$3274	$557
State Farm	$5626	$938

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Granada

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

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

The cheapest car insurance companies after an at-fault accident in Granada include Westfield and Umialik, offering $173 and $217, respectively. Nationwide is an expensive provider with an average six-month premium of $340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Umialik	$217	$37
Iowa Farm Bureau	$266	$44
Auto-Owners Insurance Co	$281	$48
Farmers Union Insurance	$286	$47
West Bend Mutual	$291	$50
North Star Mutual Insurance	$335	$56
Encompass	$365	$62
American Family	$513	$86
Western National	$533	$90
Auto-Owners	$572	$96
State Farm	$592	$100
Travelers	$661	$111
USAA	$710	$120
AAA	$1124	$189
North Star Mutual	$1331	$224
Farmers	$2076	$346
Allstate	$2150	$362
Nationwide	$340	$56

Granada Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Granada MN. For example, the car insurance in Granada after a DUI increases to $907 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.

Granada auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$848	$141
One Med/PIP claim	$858	$146
Not-at-fault accident	$872	$145
One comp claim	$902	$154
Two Med/PIP claims	$902	$150
Two comp claims	$942	$160
Failure to wear a seat belt	$966	$161
Failure to show documents	$981	$167
Child safety restraint	$996	$166
Driving without lights	$996	$169
Driving with expired registration	$1016	$169
Cell phone violation	$1035	$176
Speeding 6 - 10 MPH over limit	$1035	$173
Texting while driving	$1035	$176
Following too closely	$1045	$174
Driving too slowly	$1050	$178
Failure to yield	$1050	$175
Illegal turn	$1050	$178
Speeding in school zone	$1050	$175
Wrong way/wrong lane	$1050	$178
Failure to stop at a red light	$1055	$176
Improper passing	$1055	$179
Speeding 11 - 15 MPH over limit	$1060	$177
Speeding 16 - 20 MPH over limit	$1070	$182
At-fault accident - less than $1000	$1095	$183
Passing school bus	$1095	$186
In 65 MPH zone	$1100	$183
Operating a vehicle without permission	$1105	$188
Speeding 21 - 25 MPH over limit	$1139	$190
At-fault accident - $1000-$2000	$1218	$207
Open container	$1223	$204
At-fault accident - greater than $2000	$1247	$212
Reckless driving	$1528	$255
Racing	$1578	$268
Driving with a suspended license	$1677	$280
Refusal to submit to a chemical test	$1696	$288
DUI	$1755	$292
Leaving scene of an accident/hit and run	$1819	$310

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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 Granada 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 Granada.

The cheapest car insurance premiums in Granada are offered by Umialik at $217 for a six-month policy. However, it can be as expensive as $3939 with companies like AAA.

Granada car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$217	$37
West Bend Mutual	$227	$38
Farmers Union Insurance	$271	$45
Westfield	$305	$52
Iowa Farm Bureau	$399	$66
Country Financial	$424	$72
Auto-Owners Insurance Co	$453	$76
American Family	$478	$81
Western National	$676	$114
Travelers	$681	$115
State Farm	$867	$146
USAA	$937	$158
Auto-Owners	$966	$163
Farmers	$2105	$358
Allstate	$2234	$376
North Star Mutual	$3934	$669
AAA	$3939	$657

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 Granada are offered by Westfield at $143. However, it can be as expensive as $2470 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Granada after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
Iowa Farm Bureau	$227	$38
West Bend Mutual	$227	$38
Auto-Owners Insurance Co	$237	$40
American Family	$251	$42
Farmers Union Insurance	$256	$44
State Farm	$542	$91
Western National	$676	$114
USAA	$715	$120
Auto-Owners	$789	$134
Travelers	$858	$143
North Star Mutual	$1375	$234
Farmers	$1770	$295
AAA	$1834	$312
Allstate	$2470	$412

Car Insurance Price Trends in Granada, Minnesota

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

The average cost of full coverage in the Granada rose by $178 in January compared to $147 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the Granada rose to $42 in January, compared to $41 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Granada?

The car insurance in Granada is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Granada?

The cheapest car insurance in Granada is $73 per month for full coverage.

How much is car insurance in Granada for teenagers?

Car insurance for teenagers costs $143 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 Granada?

The average cost of car insurance is $944 for a six-month policy. It will cost around $132 per month to insure your car in Granada.

Is car insurance expensive in Granada?

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

Cheapest Car Insurance Quotes in Granada

Why you can trust Way?

How Much Is Car Insurance in Granada

Avg. Car Insurance in Granada

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Granada

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Granada Car Insurance Rates by Company

Cheap Car Insurance Companies in Granada, MN

Way's key takeaways about car insurance in Granada

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Granada

Cheapest Liability Coverage in Granada, MN

Cheapest Full Coverage Car Insurance in Granada

Cheapest Full Coverage Car Insurance Quotes in Granada, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Granada by Rating Factor

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

Car Insurance Premiums by Age in Granada

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Granada,MN

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

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 Granada

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

Granada Car Insurance Rates by Violation

Granada auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Granada after a DUI

Granada car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Granada after Speeding ticket

Car Insurance Price Trends in Granada, Minnesota

Average Car Insurance Cost in Granada by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Granada, MN

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

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