The best car insurance in Minnesota

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 15, 2021

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Minnesota drivers pay an average of $1,418 per year for car insurance, though rates vary depending on where in the state you live. Compared to the rest of the country, Minnesota is one of the cheaper states for car insurance, but Minnesota drivers can still save money by shopping around.

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Policygenius can help you compare rates from top companies so you can find the right policy at the best price.

Key Takeaways

  • Western Agriculture has the lowest rates in Minnesota, at at average of $964 per year for a full coverage policy

  • West Bend Mutual has the cheapest rates in Minnesota for drivers with bad credit

  • Minnesota requires at least $30,000/person and $60,000/accident in bodily injury liability coverage and at least $10,000 property damage liability coverage

  • Personal injury protection (PIP) and uninsured/underinsured motorist coverage are also required in Minnesota

Cheapest car insurance companies in Minnesota

The amount you pay for car insurance is determined by a number of factors, including your age, location, driving history, and credit score. But not all companies charge the same amount for coverage, which is why it’s important to shop around and compare rates before you buy a policy.

Company

Average cost

JD Power Rating

Western Agriculture

$964

--

USAA

$1,063

890

State Farm

$1,100

881

Nationwide

$1,203

876

American Family

$1,215

862

Cheapest car insurance companies by age in Minnesota

Since younger drivers are inexperienced and get into more accidents, they are often charged the most for car insurance. Rates typically go down by the time a driver turns 25 and is no longer in the highest-risk age group.

Age

Cheapest company

Average cost

16

Western Agriculture

$2,554

18

Western Agriculture

$2,075

21

Western Agriculture

$1,491

25

Western Agriculture

$1,045

30

Western Agriculture

$969

35

Western Agriculture

$969

45

Western Agriculture

$955

55

Western Agriculture

$807

Choosing the right car insurance company in Minnesota

The right car insurance company for you is the one that offers you the coverage you need at an affordable price. Look for a company that offers good value, plenty of discounts, and has solid customer service ratings.

Policygenius can help you see quotes from top companies and compare options, so you can find the best policy at the right rates.

Car insurance rates for drivers with driving violations in Minnesota

A recent accident on your driving record will mean higher premiums, and too many accidents or violations could send a red flag to companies that you’re a high-risk driver. Generally, the more accidents and violations in your driving history, the more you’ll pay for car isnurance.

Violation

Western Agriculture

USAA

State Farm

Nationwide

American Family

At-fault Accident

$1,163

$1,507

$1,304

$1,754

$1,870

DUI

$1,731

$2,068

$1,214

$2,079

$1,649

Driving with a suspended license

$1,731

$2,011

$1,214

$2,079

$2,116

Driving with an open container

$1,731

$1,597

$1,214

$1,430

$1,649

Driving with expired registration

$983

$1,321

$1,214

$1,430

$1,649

Driving without Lights

$983

$1,248

$1,214

$1,430

$1,649

Failure to show documents

$983

$1,321

$1,214

$1,430

$1,649

Failure to stop at a red light

$983

$1,321

$1,214

$1,430

$1,649

Cheapest car insurance for drivers with bad credit in Minnesota

While some states prohibit insurance companies from using drivers’ credit scores to determine their premiums, that isn’t the case in Minnesota.

For Minnesota drivers, a poor credit score will likely mean paying more for your policy, which makes it all the more important to shop around and compare rates before you buy.

Company

Rates for drivers with bad credit

West Bend Mutual

$1,646

GEICO

$1,658

Western Agriculture

$1,676

Nationwide

$1,795

North Star Mutual

$2,064

Car insurance costs in Minnesota cities

Generally, city drivers pay more for car insurance. The more cars there are on the road, the greater the chances of accidents and claims. Car insurance companies also look at the crime rates and repair costs in a given area. Here’s what drivers pay in the 10 biggest cities in Minnesota:

  • Minneapolis: $1,858

  • St. Paul: $1,873

  • Rochester:    $1,327

  • Duluth: $1,374

  • Bloomington: $1,522

  • Plymouth: $1,460

  • Brooklyn Park: $1,644

  • Woodbury:    $1,484

  • Maple Grove: $1,460

  • Lakeville: $1,465

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Buying car insurance in Minnesota

Minnesota, like most states, requires drivers to have a minimum amount of insurance coverage. All Minnesota drivers are required to have coverage of at least:

  • Bodily injury liability coverage per person: $30,000

  • Bodily injury liability coverage per accident: $60,000

  • Property damage liability coverage: $10,000

  • Personal injury protection: $20,000 per accident; $20,000 for loss of income per accident

  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Minnesota is a no-fault state, which means no matter which driver is responsible for causing the accident, both drivers have to cover the costs of their medical bills through their own car insurance. That’s why drivers are required to have PIP coverage, which pays for medical bills and other injury-related expenses after an accident.

Another state-mandated coverage in Minnesota is uninsured/underinsured motorist coverage, which will protect you if another driver causes an accident, but does not have enough insurance to pay for the damage to your car.

How to get cheap car insurance in Minnesota

Many car insurance companies offer discounts that can help bring down costs. Some of the most common are:

  • Safe driver discount

  • Good student discount

  • Military discount

  • Multi-car discount

  • Bundling discount

  • Low mileage discounts

The best way to find cheap car insurance is to shop around and compare quotes from multiple companies before buying a policy.

Frequently asked questions

Which company has the best rates in Minnesota?

No matter your age or driving history, Western Agriculture has the cheapest rates in Minnesota. With that said, the cheapest rate for one driver isn’t always the cheapest for another. It’s still important to shop around and see which company offers you the best value.

Why is insurance so expensive for new drivers?

New drivers are more likely to get into accidents and file claims with insurers, which is why their coverage costs more. Rates tend to go down as a driver gains experience.

How far back do companies look into driving history?

Most insurance companies look back between three and five years into your driving record, though some of the more serious offenses may stick around a little longer. If you have an accident on your record from more than five years ago, it probably won’t affect your rates.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.