Best car insurance in Minnesota (2024)

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Jessica OlivoFreelance contributorJessica 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.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

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Minnesota drivers pay an average of $1,422 per year for car insurance, though rates vary depending on where in the state you live.

Drivers in Minnesota already have the advantage of paying on the lower end for car insurance compared to the rest of the country, but shopping around can still mean big savings.

Ready to shop car insurance?

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

Key takeaways

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

  • 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.

Methodology & why you can trust our rates

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.

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.

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

State Farm

$964

882

Western Agriculture

$1,007

--

USAA

$1,193

890

American Family

$1,221

874

West Bend Mutual

$1,235

--

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

State Farm

$2,325

18

State Farm

$1,934

21

Western Agriculture

$1,557

25

Western Agriculture

$1,093

30

State Farm

$986

35

State Farm

$960

45

State Farm

$946

55

Western Agriculture

$843

60

Western Agriculture

$848

65

State Farm

$826

70

State Farm

$853

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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: Insurance doesn't do you any good if you can't afford the coverage you need.

  • Discounts: Whether you're bundling your policies or taking advantage of low mileage savings, there are lots of ways to lower your premiums.

  • Solid customer service: No one wants to get into an accident, but if you do, no-hassle claims can provide peace of mind.

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

Generally, the more accidents and violations in your driving history, the more you’ll pay for car insurance. 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.

Violation

State Farm

Western Agriculture

USAA

American Family

West Bend Mutual

At-fault accident

$1,133

$1,215

$1,724

$1,879

$2,231

DUI

$1,060

$1,808

$2,277

$1,656

$1,874

Suspended license

$1,060

$1,808

$2,217

$2,126

$2,166

Open container

$1,060

$1,808

$1,860

$1,656

$1,874

Expired registration

$1,060

$1,026

$1,535

$1,656

$1,874

Driving without lights

$1,060

$1,026

$1,407

$1,656

$1,874

Running a red light

$1,060

$1,026

$1,535

$1,656

$1,976

Following too closely

$1,060

$1,026

$1,535

$1,656

$1,874

Hit and run

$1,060

$1,808

$2,330

$2,126

$3,581

Not-at-fault accident

$986

$910

$1,254

$1,284

$1,254

Passing a school bus

$1,060

$1,026

$1,860

$1,656

$1,976

Reckless driving

$1,060

$1,404

$1,860

$2,126

$2,166

Speeding

$1,060

$1,404

$1,535

$1,656

$1,874

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Cheapest car insurance for drivers with a DUI in Minnesota

Company

Rates for drivers with DUIs

State Farm

$1,060

American Family

$1,656

Western Agriculture

$1,808

West Bend Mutual

$1,874

USAA

$2,277

Cheapest car insurance for drivers with a speeding ticket in Minnesota

Company

Rates for drivers with speeding tickets

State Farm

$1,060

Western Agriculture

$1,404

USAA

$1,535

American Family

$1,656

West Bend Mutual

$1,874

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

$1,644

GEICO

$1,658

Western Agriculture

$1,751

Nationwide

$1,839

North Star Mutual

$2,088

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: $1,848

  • St. Paul: $1,868

  • Rochester: $1,329

  • Duluth: $1,381

  • Bloomington: $1,523

  • Plymouth: $1,475

  • Brooklyn Park: $1,651

  • Woodbury: $1,484

  • Maple Grove: $1,473

  • Lakeville: $1,470

Ready to shop car insurance?

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.

Find car insurance in your city:

Frequently asked questions

Which company has the best rates in Minnesota?

No matter your age or driving history, State Farm 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.

Is auto insurance mandatory in Minnesota?

Yes, Minnesota state law requires drivers to have a minimum of 30/60/10 levels of liability coverage, as well as PIP and uninsured/underinsured motorist coverage.

Is Minnesota a no-fault state?

Yes, Minnesota is a no-fault state. This means that people who are involved in an auto accident are expected to file a claim through their own auto insurance company, no matter who is at fault.

How much is car insurance per month in Minnesota?

Drivers in Minnesota pay an average of $1,422 per year for car insurance, which breaks down to $119 per month.

Authors

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.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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