Cheap Minnesota Car Insurance

Compare the best rates from 30 car insurance companies in Minnesota.

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Here's what you need to know when driving in Minnesota

Across the North Star State, there are 283,828 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


Cheap Car Insurance

What's the cheapest car insurance in Minnesota?
RankCompany NameAvg. Annual Premium
2Farm Bureau Mutual$812
3The Hartford$945
6American Family$1,308
7State Farm$1,363
8Western National$1,378
10North Star$1,436
11West Bend Mutual$1,516
14National Farmers Union P&C$1,692
21General Casualty$2,617

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Cheap Insurance for Good Drivers in Minnesota

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Minnesota drivers without a recent at-fault accident usually save 34% on their car insurance premiums — a bit better than the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$29219.05%
No Accidents$64934.30%
Good Credit$1,29250.98%

Cheap Insurance for Young Drivers in Minnesota

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Minnesota, the typical teen driver pays $4,505 per year, just a bit below the national average for all teen drivers.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car Insurance for Bad Drivers in Minnesota

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a poor driving record will raise your rates: car insurance premiums typically increase by 37% after a DUI, 34% after an at-fault accident, and 19% after a speeding ticket in Minnesota. The post-incident penalties assessed by car insurance companies in the Land of 10,000 Lakes roughly align with national averages. If your driving record is citation-free, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,89134.30%
Speeding Violation$1,53419.05%
Bad Credit$2,53450.98%

What are the Best Car Insurance Companies in Minnesota?

Every auto insurance company emphasizes its low costs. But just like with any product or service, the cheapest choice isn't always the preferable choice. Considering what's at stake, it's worth doing the research to find an insurance policy that will cover your car adequately after an incident. Be patient and look for the best value, instead of settling for the cheapest car insurance you can find.

Compare popular auto insurers' fiscal strength and claims satisfaction ratings to better understand the level of service you can expect. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — measures an insurer's financial strength and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
American Family4Excellent
Auto Club Group2Excellent
EncompassNot RatedSuperior
General CasualtyNot RatedExcellent
Liberty Mutual3Excellent
State Farm3Superior


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What is the Best Auto Insurance Coverage in Minnesota?

The minimum required insurance level in Minnesota is $30,000 Bodily Injury per person, $60,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

For the minimum allowed coverage in Minnesota, you can expect to pay an average of $549 annually. These premiums are cheaper than the U.S. average by 16%. If you opt for better car insurance coverage, you can purchase a policy with comprehensive and collision coverage, protecting against damages caused by vehicle accidents, theft or vandalism, or inclement weather. Better coverage carries a cost: in Minnesota, a comprehensive insurance policy with a $1,000 deductible costs $1,095, 99% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 128% more than you would for basic liability-only coverage.

Compare average costs for liability-only and comprehensive coverage tiers in the below table.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Minnesota

In Minnesota, state minimum coverage requirements include liability coverage, uninsured motorist, and personal injury protection coverages with limits of:

  • Bodily Injury $30,000 per person
  • Bodily Injury $60,000 per accident
  • Property Damage $10,000 per accident
Uninsured/Underinsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
Personal Injury Protection (PIP)
  • $20,000 Medical Expense per person
  • $20,000 Economic Loss per person
Optional coverage in Minnesota (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance

Learn more about Minnesota car insurance requirements.

Minnesota Car Insurance FAQs

Is Minnesota a no-fault car insurance state?

Yes. Minnesota is a no-fault state, requiring every driver to cover their own bodily injury payments.

Can I stay on my parents' car insurance in Minnesota?

If you live in the same residence as your parents and are using a vehicle listed on their car insurance policy, you can stay on their insurance. You cannot "age out" of car insurance like you can health insurance coverage.

Is a license required to insure a car in Minnesota?

There is no law regarding this. Most insurance companies will view a potential client without a drivers license as a risk. A drivers license is an insurer's best way to view your driving history to see what kind of client you will be for them. Without a license, an insurer will have a difficult time pricing your premium.

How much does car insurance cost in Minnesota cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Moorhead, Minnesota, and the most expensive in Saint Paul, Minnesota.

RankCityAvg. Annual Premium
1Saint Paul$1,663
4Brooklyn Park$1,499
6Coon Rapids$1,435
14Maple Grove$1,339
16Apple Valley$1,328
18Eden Prairie$1,318

Driving Laws

Minnesota Texting and Driving Laws

  • Ban on all cell phones for school bus drivers
  • Ban on all cell phones for drivers <18 years old w/ Learner or Provisional License
  • Ban on text messaging for all drivers

Minnesota DUI Laws

There is a lifetime DWI lookback period in Minnesota. This means that recurring DWI offenses will lead to enhanced penalties.

In Minnesota, the first three DWI offenses are considered misdemeanors. A fourth DWI is a felony, as are any DWI offenses leading to substantial bodily harm or death.

In addition, penalties are enhanced for anyone found to have any measurable BAC while transporting a child.

First-time DWI offenses in Minnesota lead to:

  • Up to 90 days in jail (or up to one year if BAC reads 0.16% or higher)
  • Up to $1,000 in fines (or $3,000 if BAC reads 0.16% or higher)
  • Up to a 90-day license suspension (or one year if BAC reads 0.16% or higher)
  • Possible installation and use of an ignition interlock device to maintain driving privileges (or for one year if BAC reads 0.16% or higher)

How Do Tickets Affect Car Insurance Rates in Minnesota?

If you receive a ticket or citation, your auto insurance costs will probably go up. How much your rates rise depends on the violation, your insurer's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of average auto insurance rates in Minnesota after some common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,09763%$809
Refused Breathalyzer/Chemical Test$1,92449%$636
Reckless Driving$2,09763%$809
Driving with a Suspended License$2,09763%$809
At-Fault Accident$1,90248%$614
Driving with an Open Container$1,75836%$470
Operating a Vehicle Without Permission$1,63127%$344
Passing a School Bus$1,64127%$353
Improper Passing$1,64127%$353
Following Too Closely$1,61325%$325
Failure to Stop at a Red Light$1,62626%$339
Illegal Turn$1,61325%$325
Driving Wrong Way/Wrong Lane$1,56321%$275
Failure to Yield$1,61325%$325
Speeding in a School Zone$1,58023%$292
Driving Too Slowly$1,58023%$292
Distracted Driving$1,53619%$248
Driving with Expired Registration$1,3001%$12
Failure to Show Documents$1,3001%$12
Not-at-Fault Accident$1,3807%$92
Failure to Use Child Safety Restraint$1,3001%$12
Failure to Wear a Seat Belt$1,3001%$12
Driving Without Lights$1,2880%$0

Minnesota Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Minnesota area, while also getting an insider view of the North Star State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.