Best Cheap Auto Insurance in Hardwick, MN (2021)

The average Hardwick, MN auto insurance rates are $349 per month. The minimum auto insurance in Hardwick is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Hardwick, Minnesota, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Hardwick, MN for senior drivers are $2,770 per year
  • The cheapest auto insurance company in Hardwick is State Farm
  • The average commute length in Hardwick is 29.8 minutes

Hardwick, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Hardwick can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hardwick, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Hardwick to other Minnesota cities, including Minneapolis auto insurance rates, Woodbury auto insurance rates, and St. Paul auto insurance rates to see how Hardwick, Minnesota auto insurance rates stack up.

Before you buy Hardwick, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hardwick, Minnesota auto insurance quotes.

Minimum Auto Insurance in Hardwick, Minnesota

Hardwick, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hardwick, Minnesota.

Minimum Required Auto Insurance Coverage in Hardwick, 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

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Cheap Hardwick, Minnesota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hardwick, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hardwick, 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 $2,165 $2,165 $1,961 $1,961 $5,850 $8,512 $2,165 $2,449
Farmers $2,060 $2,052 $1,981 $2,089 $5,789 $5,786 $2,684 $2,568
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 $1,949 $1,960 $1,734 $1,841 $4,933 $6,005 $2,282 $2,376
State Farm $1,410 $1,410 $1,250 $1,250 $3,000 $3,709 $1,635 $1,349
USAA $1,743 $1,737 $1,582 $1,590 $4,569 $5,027 $2,279 $2,435

Cheap Hardwick, Minnesota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hardwick, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in Hardwick, Minnesota.

Annual Auto Insurance Rates for Teen Drivers in Hardwick, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,399 $9,271
American Family $5,850 $8,512
Farmers $5,789 $5,786
GEICO $5,064 $6,431
Liberty Mutual $17,050 $25,601
Nationwide $4,933 $6,005
State Farm $3,000 $3,709
USAA $4,569 $5,027

Cheap Hardwick, Minnesota Auto Insurance for Seniors

What are senior auto insurance rates in Hardwick, Minnesota? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Hardwick, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,694 $2,694
American Family $1,961 $1,961
Farmers $1,981 $2,089
GEICO $2,313 $2,248
Liberty Mutual $8,564 $8,564
Nationwide $1,734 $1,841
State Farm $1,250 $1,250
USAA $1,582 $1,590

Cheap Hardwick, Minnesota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hardwick, Minnesota compared to the annual auto insurance rates with a clean record in Hardwick, Minnesota.

Annual Hardwick, Minnesota Auto 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 $2,284 $4,134 $4,608 $2,589
Farmers $2,673 $3,383 $3,424 $3,024
GEICO $2,114 $3,362 $5,005 $2,265
Liberty Mutual $8,985 $12,304 $17,909 $9,691
Nationwide $2,288 $3,040 $3,499 $2,714
State Farm $1,730 $2,023 $1,877 $1,877
USAA $1,948 $2,472 $3,739 $2,320

Cheap Hardwick, Minnesota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hardwick, Minnesota is not easy. Compare the annual rates for DUI auto insurance in Hardwick, Minnesota to find the best deal.

Annual Auto Insurance Rates After a DUI in Hardwick, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,325
American Family $4,608
Farmers $3,424
GEICO $5,005
Liberty Mutual $17,909
Nationwide $3,499
State Farm $1,877
USAA $3,739

Cheap Hardwick, Minnesota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hardwick, Minnesota annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Hardwick, Minnesota

Insurance Company Poor Fair Good
Allstate $6,170 $3,346 $3,103
American Family $4,621 $3,093 $2,496
Farmers $3,934 $2,816 $2,629
GEICO $3,826 $3,128 $2,606
Liberty Mutual $17,039 $11,018 $8,610
Nationwide $3,433 $2,767 $2,455
State Farm $2,736 $1,674 $1,221
USAA $4,124 $2,002 $1,733

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Cheap Hardwick, Minnesota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hardwick, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in Hardwick, Minnesota to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Hardwick, Minnesota

ZIP Code Average Annual Rates
56134 $3,204

Cheap Hardwick, Minnesota Auto Insurance Rates By Commute

Commute length and annual mileage affect Hardwick, Minnesota auto insurance. Find the cheapest annual Hardwick, Minnesota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hardwick, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,206 $4,206
American Family $3,364 $3,443
Farmers $3,126 $3,126
GEICO $3,144 $3,229
Liberty Mutual $11,863 $12,582
Nationwide $2,885 $2,885
State Farm $1,827 $1,927
USAA $2,586 $2,654

Cheap Hardwick, Minnesota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hardwick, Minnesota? Check out the comparison of annual Hardwick, Minnesota auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hardwick, Minnesota

Insurance Company Low Medium High
Allstate $4,150 $4,202 $4,267
American Family $3,400 $3,498 $3,312
Farmers $3,010 $3,137 $3,231
GEICO $3,092 $3,185 $3,283
Liberty Mutual $11,943 $12,230 $12,494
Nationwide $2,734 $2,904 $3,017
State Farm $1,806 $1,882 $1,942
USAA $2,547 $2,618 $2,695

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Best By Category: Cheapest Auto Insurance in Hardwick, Minnesota

Compare the cheapest auto insurance companies in Hardwick, Minnesota in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Hardwick, 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

The Cheapest Hardwick, Minnesota Auto Insurance Companies

What auto insurance companies in Hardwick, Minnesota are the cheapest? Compare the top Hardwick, Minnesota auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Hardwick, Minnesota

Insurance Company Average Annual Rates
Allstate $4,206
American Family $3,403
Farmers $3,126
GEICO $3,186
Liberty Mutual $12,222
Nationwide $2,885
State Farm $1,877
USAA $2,620

What affects auto insurance rates in Hardwick, Minnesota?

There are a lot of reasons why auto insurance rates in Hardwick, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hardwick, Minnesota. Many local factors may affect your Hardwick auto insurance rates.

Hardwick Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hardwick, Minnesota commute length is 29.8 minutes according to City-Data.

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Compare Hardwick, Minnesota Auto Insurance Quotes

Before you buy Hardwick, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hardwick, Minnesota auto insurance quotes.

Free Auto Insurance Comparison

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

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