Cheapest Auto Insurance Quotes in Minnesota (2024)
State Farm offers the best cheap car insurance in Minnesota, at $105 per month for full coverage.
Find Cheap Auto Insurance Quotes in Minnesota
Best cheap car insurance companies in Minnesota
How we chose the top companies
Best and cheapest car insurance in Minnesota
- Cheapest full coverage: State Farm, $105/mo
- Cheapest minimum liability: State Farm, $40/mo
- Cheapest for young drivers: Auto-Owners, $100/mo
- Cheapest after a ticket: State Farm, $113/mo
- Cheapest after an accident: State Farm, $122/mo
- Cheapest for teens after a ticket: Auto-Owners, $100/mo
- Cheapest after a DUI: Travelers, $226/mo
- Poor credit: American Family, $251/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, American Family and Auto-Owners offer the best combination of reliable customer service and cheap rates.
State Farm and American Family both offer online quotes, so you can quickly compare rates to find the cheapest option for you. To get a quote from Auto-Owners, you'll have to contact a local independent agent.
Cheapest car insurance in Minnesota: State Farm
State Farm offers the cheapest full coverage auto insurance in Minnesota. Full coverage insurance from State Farm costs $105 per month. That's 33% cheaper than the state average.
The average cost of full coverage car insurance in Minnesota is $157 per month.
Find Cheap Auto Insurance Quotes in Minnesota
Cheapest full coverage car insurance in Minnesota
Company | Monthly rate | |
|---|---|---|
| State Farm | $105 |
| American Family | $125 |
| Auto-Owners | $132 |
| Travelers | $140 |
| Geico | $202 |
*USAA is only available to current and former military members and their families.
Drivers in Minnesota can also find cheap full coverage quotes from American Family. American Family charges $125 per month for full coverage car insurance.
Cheapest liability insurance quotes in Minnesota: State Farm
State Farm offers the cheapest car insurance quotes for liability only auto insurance for most Minnesota drivers. On average, State Farm charges $40 per month, or $484 per year, for minimum coverage insurance. That's 35% cheaper than the statewide average.
The average cost of car insurance in Minnesota is $62 per month, or $743 per year, for minimum liability.
Minnesota drivers can also find cheap car insurance from USAA, which is only available to active and retired military members and their families. USAA offers minimum coverage car insurance for $29 per month, even cheaper than State Farm.
Minimum coverage car insurance policies meet Minnesota state law's minimum requirements.
Most affordable minimum coverage car insurance in Minnesota
Company | Monthly rate |
|---|---|
| State Farm | $40 |
| Auto-Owners | $44 |
| American Family | $44 |
| Travelers | $62 |
| Geico | $74 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Minnesota
Cheapest car insurance in MN for young drivers: Auto-Owners
Auto-Owners offers the cheapest car insurance for 18-year-old drivers in Minnesota seeking minimum coverage, while State Farm has the cheapest full coverage.
A minimum coverage policy from Auto-Owners costs $100 per month for teen drivers, which is about half the average price in the state. Teen drivers with military ties can also find affordable quotes from USAA. Minimum coverage insurance from USAA costs $64 per month, which is 67% cheaper than the state average. However, only military members and their families can buy car insurance from USAA.
Cheapest car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $100 | $290 |
| State Farm | $109 | $281 |
| Travelers | $138 | $322 |
| American Family | $164 | $446 |
| Allstate | $176 | $555 |
In Minnesota, the average cost of liability-only car insurance for 18-year-old drivers is $192 per month, more than three times the cost for 30-year-old drivers.
Young drivers should consider sharing a policy with their parents if they can. Sharing a policy can save you around 62% on car insurance costs.
Cheapest car insurance quotes after a speeding ticket: State Farm
State Farm offers the most affordable car insurance for drivers in Minnesota with a speeding ticket. At $113 per month for full coverage, a policy from State Farm is 42% cheaper than average.
Most affordable car insurance after getting a ticket
Company | Monthly rate |
|---|---|
| State Farm | $113 |
| Auto-Owners | $132 |
| American Family | $150 |
| Travelers | $179 |
| Geico | $261 |
Getting a speeding ticket in Minnesota will raise your car insurance quotes by an average of 25% — though not as much as being involved in an accident.
Cheapest car insurance after an accident: State Farm
State Farm has the cheapest quotes for drivers with an accident on their record. The company charges 51% less than the statewide average, at $122 per month for full coverage. A policy from State Farm costs $40 per month less than the second-cheapest option, Auto-Owners.
Lowest-priced MN insurance after a car crash
Company | Monthly rate |
|---|---|
| State Farm | $122 |
| Auto-Owners | $162 |
| Travelers | $195 |
| American Family | $266 |
| Farmers | $350 |
Having one at-fault accident can raise your insurance rates by a lot. After an accident, the average cost of full coverage insurance in Minnesota increases by $92 per month.
Cheapest car insurance for young drivers after a ticket or accident: Auto-Owners
Auto-Owners has the cheapest car insurance for young drivers with a speeding ticket, while State Farm has the best prices after a crash. Both companies' rates are less than half the state average.
A minimum coverage policy from Auto-Owners costs $100 per month for a teen driver after they get a ticket. And a policy after an at-fault crash from State Farm costs just $133 per month.
Cheap young driver car insurance with a ticket or crash on your record
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $100 | $137 |
| State Farm | $121 | $133 |
| Travelers | $172 | $194 |
| American Family | $176 | $356 |
| Allstate | $272 | $331 |
Just like older adults, teen drivers pay more for car insurance after a speeding ticket or crash. However, teens tend to see smaller increases. A typical teen will pay 23% more after a speeding ticket, and 47% more after an at-fault accident.
Cheapest car insurance quotes with a DUI: Travelers
Travelers offers Minnesota drivers with a DUI the cheapest auto quotes. The company's average rate of $226 per month for full coverage is 29% cheaper than average for drivers with a DUI.
Best rates for car insurance after getting a DUI
Company | Monthly rate |
|---|---|
| Travelers | $226 |
| Auto-Owners | $229 |
| American Family | $229 |
| State Farm | $235 |
| Farmers | $355 |
The cost of car insurance in Minnesota after a DUI is 103% more expensive than the cost for drivers with a clean record.
Cheapest car insurance for drivers with poor credit: American Family
American Family has the cheapest quotes for Minnesota drivers with poor credit. A full coverage policy from American Family costs $251 per month, which is 36% less than the state average.
Company | Monthly rate |
|---|---|
| American Family | $251 |
| Geico | $289 |
| Auto-Owners | $391 |
| Allstate | $419 |
| Travelers | $422 |
It's common for insurance companies to charge drivers with poor credit more for car insurance. That's because drivers with bad credit are statistically more likely to file claims. In Minnesota, drivers with poor credit pay two and a half times as much for car insurance as drivers with good credit.
Best car insurance companies in Minnesota
USAA rates as the best auto insurance company in Minnesota.
USAA has a reputation for dependable customer service, lots of coverage options and low rates. However, USAA is not available to all drivers — only military members, veterans and some family members can get policies.
State Farm is a great alternative for drivers that aren't eligible for USAA.
Best car insurance in Minnesota
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ | |
| American Family | 838 | A |
When shopping for car insurance, it's important to consider both service and cost to ensure you have a good experience if you ever have to file a claim.
Companies with excellent service can help get you back on the road quickly after an accident. On the other hand, poor reviews could mean you'll have to pay more for repairs or wait longer for your claim settlement.
Average cost of car insurance in Minnesota by city
Minnesota's most expensive city for insurance is the Twin Cities suburb of Brooklyn Center.
The state's cheapest insurance can be found in Albert Lea and Truman, both in southern Minnesota.
The average cost of auto insurance in Minnesota is $157 per month for full coverage. However, car insurance quotes vary by up to $66 per month, depending on where you live in the state. Drivers in Albert Lea and Truman pay around $135 per month for insurance, while people living in Brooklyn Center can expect to pay $201 per month for the same policy.
You'll often find more expensive insurance quotes in larger cities because car theft and accidents are more common in densely populated areas.
Average car insurance cost by city
City | Monthly rate | % from average |
|---|---|---|
| Ada | $153 | -3% |
| Adams | $144 | -8% |
| Adolph | $155 | -1% |
| Adrian | $141 | -10% |
| Afton | $163 | 4% |
Minnesota auto insurance requirements
Like most states, Minnesota requires all drivers to have a minimum amount of bodily injury and property damage liability insurance, which is sometimes written as 30/60/10. In addition, Minnesota drivers are required to have 25/50 uninsured/underinsured motorist coverage and $40,000 of personal injury protection: $20,000 each for medical and nonmedical expenses.
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection (PIP): $40,000 per accident
- Uninsured and underinsured motorist coverage: $25,000 per person and $50,000 per accident
What's the best car insurance coverage for Minnesota drivers?
Unlike a full coverage policy, minimum coverage doesn't include comprehensive and collision coverage. That means your car insurance company won't pay for damage to your own car.
Additionally, minimum coverage includes lower liability limits than recommended for most drivers. While minimum coverage is $95 cheaper per month than full coverage, low limits might mean your insurance won't cover the full costs of a major car accident.
While minimum coverage is the lowest level of car insurance you need to legally drive, you should consider buying more coverage. A serious accident could require you to pay for some expenses yourself if you don't have enough coverage.
Frequently asked questions
What company has the cheapest car insurance in Minnesota?
State Farm has the cheapest quotes for car insurance in Minnesota. Minimum coverage insurance costs $40 per month from State Farm, and a full coverage policy costs around $105 per month.
How much does car insurance cost in Minnesota?
The average cost of minimum coverage car insurance in Minnesota is $62 per month. Full coverage car insurance costs an average of $157 per month.
Is car insurance in Minnesota more expensive than in the rest of the country?
Car insurance quotes in Minnesota are average compared to other states. Minnesota is 5% cheaper than the national average of $165 per month for full coverage. And for minimum liability, it's 4% cheaper than the national average of $64 per month.
How much is car insurance in Minneapolis, MN?
Auto insurance in Minneapolis costs $183 per month for a full coverage policy, on average. That's 17% more expensive than the Minnesota average. In comparison, drivers living in St. Paul pay slightly less for car insurance, at $177 per month.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Minnesota for the state's largest insurers. Quotes are for a 30-year-old man with a good credit score who drives a 2015 Honda Civic EX.
Unless otherwise noted, rates are for a full coverage policy with coverage beyond the minimum requirements.
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $25,000 of property damage liability
- $40,000 of personal injury protection
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- $25,000 of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.