Cheapest Car Insurance Quotes in Newfolden

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Newfolden Car Insurance

^$ 24

/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 Newfolden

The car insurance rate in Newfolden is $795 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Newfolden 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 Newfolden

$795

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Newfolden

1st place: AAA

At $424 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 $512 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 $518 for six months, making it the third cheapest auto insurance company in Newfolden.

Newfolden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Newfolden, MN is AAA, offering policies at just $424 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $512.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1535 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newfolden drivers find the best deals.

Cheap Car Insurance Companies in Newfolden, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$424	$72
Iowa Farm Bureau	$512	$85
Auto-Owners Insurance Co	$518	$88
Westfield	$518	$86
American Family	$630	$106
Travelers	$670	$113
West Bend Mutual	$670	$113
Nationwide	$794	$133
USAA	$806	$136
Auto-Owners	$870	$147
State Farm	$982	$165
West Bend	$988	$164
Allstate	$1218	$205
Farmers	$1535	$255

Key Takeaways

Way's key takeaways about car insurance in Newfolden

The auto insurance costs in Newfolden fall around $424 for six months.
The cheapest auto insurance company in Newfolden is Westfield.
Teen drivers pay the highest rate in Newfolden at $927 per month.

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Cheapest Minimum Liability Car Insurance in Newfolden

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 Newfolden are given below.

Westfield provides the cheapest minimum car insurance coverage in Newfolden. Their Average 6 Month Premium is $142. Nationwide is the most expensive at $306 for the same period.

Cheapest Liability Coverage in Newfolden, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
West Bend Mutual	$200	$34
AAA	$206	$35
North Star Mutual	$218	$37
North Star Mutual Insurance	$218	$37
USAA	$218	$37
Auto-Owners	$247	$42
Auto-Owners Insurance Co	$247	$42
Iowa Farm Bureau	$247	$42
West Bend	$247	$42
Farmers Union Insurance	$252	$43
Travelers	$270	$46
American Family	$282	$48
State Farm	$282	$48
Western National	$300	$51
Allstate	$488	$82
Farmers	$688	$117
Nationwide	$306	$50

Cheapest Full Coverage Car Insurance in Newfolden

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 Newfolden is AAA at $72 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newfolden, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$424	$72
Iowa Farm Bureau	$512	$85
Auto-Owners Insurance Co	$518	$88
Westfield	$518	$86
American Family	$630	$106
Travelers	$670	$113
West Bend Mutual	$670	$113
Nationwide	$794	$133
USAA	$806	$136
Auto-Owners	$870	$147
State Farm	$982	$165
West Bend	$988	$164
Allstate	$1218	$205
Farmers	$1535	$255

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Average Car Insurance in Newfolden 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 Newfolden, MN increasing?

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

Car Insurance Premiums by Age in Newfolden

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	$658
30s	Farm Bureau Mutual	$470
40s	Farm Bureau Mutual	$465
50s	Farm Bureau Mutual	$391
60s	Farm Bureau Mutual	$401
70s	Farm Bureau Mutual	$470

Cheapest Car Insurance Rates for Teen Drivers in Newfolden,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Newfolden at $29 per month. At $5557 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
North Star Mutual Insurance	$236	$40
Auto-Owners Insurance Co	$252	$43
AAA	$258	$44
Iowa Farm Bureau	$258	$44
Farmers Union Insurance	$270	$46
Umialik	$336	$57
Travelers	$858	$145
Auto-Owners	$1235	$208
USAA	$1312	$221
American Family	$1588	$267
State Farm	$1906	$321
Allstate	$3193	$538
Farmers	$5557	$927

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 Newfolden.

As young drivers face the highest rates in Newfolden, Farm Bureau Mutual offers the cheapest auto insurance rates at $658 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 Newfolden, West Bend Mutual is the cheapest car insurance provider. At $252 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 Newfolden is State Farm, offering rates of around $5093 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$252	$43
Westfield	$312	$51
Farmers Union Insurance	$347	$59
Iowa Farm Bureau	$488	$81
AAA	$552	$94
American Family	$1058	$178
USAA	$1470	$250
Travelers	$1758	$293
Auto-Owners	$2382	$405
Farmers	$2911	$485
Allstate	$3293	$560
State Farm	$5093	$848

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

Car Insurance Rates with An Accident in Newfolden

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

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

The cheapest car insurance companies after an at-fault accident in Newfolden include Westfield and Umialik, offering $206 and $258, respectively. Nationwide is an expensive provider with an average six-month premium of $406.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
Umialik	$258	$44
Western National	$282	$48
Iowa Farm Bureau	$318	$54
Auto-Owners Insurance Co	$336	$55
Farmers Union Insurance	$342	$58
AAA	$347	$57
West Bend Mutual	$347	$59
North Star Mutual	$364	$60
North Star Mutual Insurance	$400	$68
Encompass	$436	$72
Auto-Owners	$630	$106
State Farm	$664	$112
Travelers	$700	$118
USAA	$806	$136
American Family	$976	$164
Allstate	$2129	$358
Farmers	$2288	$389
Nationwide	$406	$67

Newfolden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newfolden MN. For example, the car insurance in Newfolden after a DUI increases to $1082 for a six month policy. While the rate increases by $223 for a six-month policy in the case of a speeding ticket.

Newfolden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1012	$168
One Med/PIP claim	$1024	$174
Not-at-fault accident	$1040	$173
One comp claim	$1076	$183
Two Med/PIP claims	$1076	$179
Two comp claims	$1124	$191
Failure to wear a seat belt	$1152	$192
Failure to show documents	$1170	$199
Child safety restraint	$1188	$198
Driving without lights	$1188	$202
Driving with expired registration	$1212	$202
Cell phone violation	$1235	$210
Speeding 6 - 10 MPH over limit	$1235	$206
Texting while driving	$1235	$210
Following too closely	$1246	$208
Driving too slowly	$1252	$213
Failure to yield	$1252	$209
Illegal turn	$1252	$213
Speeding in school zone	$1252	$209
Wrong way/wrong lane	$1252	$213
Failure to stop at a red light	$1258	$210
Improper passing	$1258	$214
Speeding 11 - 15 MPH over limit	$1264	$211
Speeding 16 - 20 MPH over limit	$1276	$217
At-fault accident - less than $1000	$1306	$218
Passing school bus	$1306	$222
In 65 MPH zone	$1312	$219
Operating a vehicle without permission	$1318	$224
Speeding 21 - 25 MPH over limit	$1358	$227
At-fault accident - $1000-$2000	$1452	$247
Open container	$1458	$244
At-fault accident - greater than $2000	$1488	$253
Reckless driving	$1823	$304
Racing	$1882	$320
Driving with a suspended license	$2000	$334
Refusal to submit to a chemical test	$2023	$344
DUI	$2094	$348
Leaving scene of an accident/hit and run	$2170	$369

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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 Newfolden 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 Newfolden.

The cheapest car insurance premiums in Newfolden are offered by Umialik at $258 for a six-month policy. However, it can be as expensive as $2317 with companies like Farmers.

Newfolden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$258	$44
West Bend Mutual	$270	$46
Western National	$270	$46
Farmers Union Insurance	$324	$55
Westfield	$364	$60
Iowa Farm Bureau	$476	$81
Country Financial	$506	$84
Auto-Owners Insurance Co	$541	$92
Travelers	$736	$124
State Farm	$782	$132
American Family	$882	$149
Auto-Owners	$1046	$176
USAA	$1064	$179
Allstate	$2194	$369
Farmers	$2317	$386

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 Newfolden are offered by Westfield at $170. However, it can be as expensive as $2211 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Newfolden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
Iowa Farm Bureau	$270	$46
West Bend Mutual	$270	$46
Western National	$270	$46
Auto-Owners Insurance Co	$282	$48
Farmers Union Insurance	$306	$52
State Farm	$552	$93
American Family	$636	$107
USAA	$752	$126
Auto-Owners	$764	$130
Travelers	$788	$132
Farmers	$1923	$327
Allstate	$2211	$368

Car Insurance Price Trends in Newfolden, Minnesota

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

The average cost of full coverage in the Newfolden rose by $175 in December compared to $174 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 Newfolden remained steady at $49 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 Newfolden?

The car insurance in Newfolden is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Newfolden?

The cheapest car insurance in Newfolden is $72 per month for full coverage.

How much is car insurance in Newfolden for teenagers?

Car insurance for teenagers costs $170 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 Newfolden?

The average cost of car insurance is $803 for a six-month policy. It will cost around $133 per month to insure your car in Newfolden.

Is car insurance expensive in Newfolden?

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

Cheapest Car Insurance Quotes in Newfolden

Why you can trust Way?

How Much Is Car Insurance in Newfolden

Avg. Car Insurance in Newfolden

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Newfolden

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Newfolden Car Insurance Rates by Company

Cheap Car Insurance Companies in Newfolden, MN

Way's key takeaways about car insurance in Newfolden

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Newfolden

Cheapest Liability Coverage in Newfolden, MN

Cheapest Full Coverage Car Insurance in Newfolden

Cheapest Full Coverage Car Insurance Quotes in Newfolden, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Newfolden by Rating Factor

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

Car Insurance Premiums by Age in Newfolden

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Newfolden,MN

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

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 Newfolden

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

Newfolden Car Insurance Rates by Violation

Newfolden auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Newfolden after a DUI

Newfolden car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Newfolden after Speeding ticket

Car Insurance Price Trends in Newfolden, Minnesota

Average Car Insurance Cost in Newfolden by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Newfolden, MN

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

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