Who Has the Cheapest Auto Insurance Quotes in Minnesota? (2023)
State Farm offers the cheapest car insurance quotes in Minnesota, with an average rate of $29 per month for a liability-only policy.
Best cheap car insurance in Minnesota
To help drivers find the best cheap car insurance in MN, our editorial team compared quotes from top companies from every ZIP code in the state. Quotes for minimum coverage meet the Minnesota state minimum requirements of $30,000 in bodily injury liability coverage per person and $60,000 per accident, $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 per accident, $10,000 in property damage protection and $40,000 of personal injury protection (PIP). Full coverage quotes include comprehensive and collision protection along with higher liability limits than the state minimums.
We also rated the best car insurance companies in MN based on affordability for different drivers, coverage availability, customer service reviews and convenience.
Cheapest car 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 $29 per month, or $346 per year for minimum coverage insurance. That's 49% cheaper than the statewide average.
The average cost of car insurance in Minnesota is $57 per month, or $680 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, which is basically the same price as State Farm.
Cheapest minimum coverage car insurance in Minnesota
Company | Monthly rate | |
|---|---|---|
| State Farm | $29 |
| Auto-Owners | $35 |
| American Family | $44 |
| Geico | $53 |
| Travelers | $62 |
*USAA is only available to current and former military members and their families.
Minimum coverage car insurance policies meet Minnesota state law's minimum requirements.
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 we would recommend for most drivers. While minimum coverage is $84 cheaper per month than full coverage, low limits may mean your insurance won't cover the full costs of a major car accident.
Cheapest full coverage car insurance in Minnesota: State Farm
State Farm also offers the cheapest full coverage auto insurance in Minnesota. Full coverage insurance from State Farm costs $75 per month, which is 47% more affordable than the state average.
The average cost of full coverage car insurance in Minnesota is $140 per month, though you could find more affordable rates by comparing quotes.
Cheapest full coverage car insurance in Minnesota
Company | Monthly rate |
|---|---|
| State Farm | $75 |
| Auto-Owners | $115 |
| American Family | $115 |
| Travelers | $140 |
| Geico | $142 |
*USAA is only available to current and former military members and their families.
Drivers in Minnesota can also find cheap full coverage quotes from Auto-Owners and American Family. The average cost of coverage from these two companies is $115 per month, which is 18% cheaper than the state average.
Cheap car insurance in MN for drivers with prior incidents
In Minnesota, State Farm is your best bet for cheap quotes after a driving incident.
If you have blemishes on your driving record like a speeding ticket, at-fault crash or a DUI on your driving record, your car insurance quotes will generally be more expensive than rates for drivers with a clean record.
That means it's even more important to compare quotes from multiple insurance companies to find the most affordable option for you.
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 $81 per month for full coverage, a policy from State Farm is 54% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $81 |
| Auto-Owners | $115 |
| American Family | $137 |
| Travelers | $179 |
| Geico | $183 |
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 61% less than the statewide average, at $86 per month for full coverage. A policy from State Farm costs $53 per month less than the second-cheapest option, Auto-Owners.
Company | Monthly rate |
|---|---|
| State Farm | $86 |
| Auto-Owners | $139 |
| Travelers | $195 |
| American Family | $252 |
| Geico | $276 |
Having one at-fault crash on your record can raise your insurance rates by a lot. After an accident, the average cost of full coverage insurance in Minnesota increases by $83 per month.
Cheapest car insurance quotes with a DUI: State Farm
State Farm offers Minnesota drivers with a DUI the cheapest auto quotes. State Farm's average rate of $160 per month for full coverage is 41% cheaper than average for drivers with a DUI.
Company | Monthly rate |
|---|---|
| State Farm | $160 |
| Auto-Owners | $194 |
| American Family | $210 |
| Travelers | $226 |
| Farmers | $324 |
The cost of car insurance in Minnesota after a DUI is 95% more expensive than for drivers with a clean record.
Cheapest car insurance for drivers with poor credit: Geico
Geico has the cheapest quotes for Minnesota drivers with poor credit. A full coverage policy from Geico costs $203 per month, which is 34% less than the state average.
Company | Monthly rate |
|---|---|
| Geico | $203 |
| State Farm | $210 |
| American Family | $233 |
| Auto-Owners | $341 |
| Farmers | $410 |
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 120% more for car insurance than drivers with good credit.
Cheapest car insurance in MN for young drivers: State Farm
State Farm offers the cheapest car insurance for 18-year-old drivers in Minnesota for both minimum coverage and full coverage.
A minimum coverage policy from State Farm costs $79 per year, which is less than 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 63% 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 |
|---|---|---|
| State Farm | $79 | $197 |
| Auto-Owners | $82 | $250 |
| Travelers | $138 | $322 |
| American Family | $164 | $413 |
| Geico | $183 | $467 |
In Minnesota, the average cost of liability-only car insurance for 18-year-old drivers is $175 per month — 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 for young drivers after a ticket: Auto-Owners
Auto-Owners has the cheapest car insurance for young drivers with a speeding ticket. A minimum coverage policy from Auto-Owners costs $82 per month for these drivers, which is less than half the state average.
Company | Monthly rate |
|---|---|
| Auto-Owners | $82 |
| State Farm | $87 |
| Travelers | $172 |
| American Family | $177 |
| Geico | $214 |
An 18-year-old driver in Minnesota can expect their car insurance quotes to go up by around 24% after a single speeding ticket.
Cheapest car insurance for young drivers after an accident: State Farm
State Farm provides young drivers In Minnesota with an accident the cheapest quotes. The company charges 63% less than average, at $96 per month for minimum coverage.
Company | Monthly rate |
|---|---|
| State Farm | $96 |
| Auto-Owners | $113 |
| Travelers | $194 |
| Geico | $242 |
| Allstate | $351 |
Teen drivers can expect rates to increase by an average of 49% after they're involved in an at-fault crash.
Cheapest car insurance quotes for married drivers: State Farm
State Farm has the cheapest car insurance quotes for married drivers in Minnesota. At $75 per month for full coverage, a State Farm policy is 42% cheaper than average. However, it doesn't offer a discount for married drivers.
Overall, married drivers pay 7% less for car insurance in Minnesota than unmarried drivers.
Cheapest car insurance in Minnesota for married drivers
Company | Monthly rate per car |
|---|---|
| State Farm | $75 |
| Auto-Owners | $115 |
| American Family | $115 |
| Geico | $134 |
| Travelers | $140 |
It's common for insurance companies to reduce the cost of coverage for people who are married, because married drivers tend to get into fewer accidents. Geico, Farmers, USAA and Allstate all charge single drivers more than married drivers.
Best car insurance companies in Minnesota
USAA is our pick for 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.
The average cost of auto insurance in Minnesota is $140 per month for full coverage. However, car insurance quotes vary by up to $59 per month, depending on where you live in the state. Drivers in Albert Lea and Truman pay around $121 per month for insurance, while people living in Brooklyn Center can expect to pay $180 per month.
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 cost | % from average |
|---|---|---|
| Ada | $136 | -3% |
| Adams | $128 | -9% |
| Adolph | $139 | 0% |
| Adrian | $127 | -9% |
| Afton | $146 | 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 expressed as 30/60/10. In addition, Minnesota drivers are required to have uninsured/underinsured motorist coverage and personal injury protection.
- 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/underinsured motorist coverage: $25,000 per person and $50,000 per accident
While these limits are 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 out-of-pocket expenses 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 $29 per month from State Farm, and a full coverage policy costs around $75 per month.
How much does car insurance cost in Minnesota?
The average cost of minimum coverage car insurance in Minnesota is $57 per month. Full coverage car insurance costs an average of $140 per month.
Is car insurance in Minnesota higher than in the rest of the country?
Car insurance quotes in Minnesota are average, compared to other states. Minnesota ranked as the 31st cheapest state for a minimum coverage policy and the 27th cheapest for full coverage.
How much is car insurance in Minneapolis, MN?
Auto insurance in Minneapolis costs $163 per month for a full coverage policy, on average. That's 16% more expensive than the Minnesota average. In comparison, drivers living in St. Paul pay more for car insurance, at $168 per month.
Methodology
We collected thousands of rates from ZIP codes across Minnesota for the state's largest insurers. Quotes are based on 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 the following limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $40,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $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.