Cheap Minnesota Car Insurance

Find affordable auto insurance that works for you in Minnesota. Compare quotes from over 100 top companies.

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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. Read on to learn how much auto insurance costs in Minnesota based on the most common rating factors. Or, let us help you find lower rates by entering your Zip code above to receive a customized car insurance quote.


Affordable insurance companies in Minnesota

What's the cheapest car insurance in Minnesota?
Rank Company Name Avg. Annual Premium
1 Travelers $654
2 Farm Bureau Mutual $812
3 The Hartford $945
4 Auto-Owners $1,177
5 American Family $1,308
6 State Farm $1,363
7 Western National $1,378
8 Allied $1,428
9 Nationwide $1,692
10 Progressive $2,088

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Cheap auto 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 $292 19.05%
No Accidents $649 34.30%
Good Credit $1,292 50.98%


Cheap auto 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.

Age Annual Rate with Parents Annual Rate Alone
16 $4,284 $6,278
17 $4,162 $5,381
18 $4,271 $5,151
19 $3,680 $2,837


Cheap auto insurance for young 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 Factor Annual Rate % Increase
At-Fault Accident $1,891 34.30%
DUI $1,981 37.29%
Speeding Violation $1,534 19.05%
Bad Credit $2,534 50.98%

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Top rated car insurance companies in Minnesota

Every auto insurance company emphasizes its low costs. But just like with any product or service, the most affordable 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.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allied N/A N/A Excellent N/A
Allstate Average Average Superior 4.3 / 5
American Family Above average Excellent Excellent 4.3 / 5
Auto-Owners N/A Above average Superior N/A
GEICO Average Average Superior 4.4 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5


Minnesota auto insurance laws

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

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.

Learn more about Minnesota car insurance requirements.

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How tickets change 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,097 63% $809
Refused Breathalyzer/Chemical Test $1,924 49% $636
DUI $1,924 49% $636
Racing $1,753 36% $465
Reckless Driving $2,097 63% $809
Driving with a Suspended License $2,097 63% $809
At-Fault Accident $1,902 48% $614
Driving with an Open Container $1,758 36% $470
Operating a Vehicle Without Permission $1,631 27% $344
Passing a School Bus $1,641 27% $353
Improper Passing $1,641 27% $353
Following Too Closely $1,613 25% $325
Speeding $1,604 25% $316
Failure to Stop at a Red Light $1,626 26% $339
Illegal Turn $1,613 25% $325
Driving Wrong Way/Wrong Lane $1,563 21% $275
Failure to Yield $1,613 25% $325
Speeding in a School Zone $1,580 23% $292
Driving Too Slowly $1,580 23% $292
Distracted Driving $1,536 19% $248
Driving with Expired Registration $1,300 1% $12
Failure to Show Documents $1,300 1% $12
Not-at-Fault Accident $1,380 7% $92
Failure to Use Child Safety Restraint $1,300 1% $12
Failure to Wear a Seat Belt $1,300 1% $12
Driving Without Lights $1,288 0% $0


Minnesota car insurance FAQs

Who has the cheapest auto insurance in Minnesota?

Our data indicate Travelers offers the cheapest insurance premiums in Minnesota. You can find policies for as low as $327 per six-month period from Travelers. 

Why is car insurance so expensive in Minnesota?

Minnesota is actually 11% cheaper than the national average for car insurance. If you're paying too much for insurance, use our comparison calculator to see rates from local and national providers in Minnesota.

How much is car insurance in MN per month?

Car insurance sets Minnesotans back $114 per month, on average.

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.

Rank City Avg. Annual Premium
1 Saint Paul $1,663
2 Minneapolis $1,653
3 Maplewood $1,519
4 Brooklyn Park $1,499
5 Bloomington $1,379
6 Plymouth $1,346
7 Maple Grove $1,339
8 Duluth $1,314
9 Rochester $1,238
10 Moorhead $1,156



Can you insure a vehicle with multiple drivers on the same policy?

Most insurance companies allow up to four drivers on a single policy. Some companies may even allow a larger number of drivers than that, but four is fairly standard.
Oct 5, 2017 Anoka, MN

My roof has developed an issue over this past winter. Is this covered?

Sorry to hear about the issue. Hopefully, you can get it fixed quickly.
Jul 30, 2019 Oakedale, MN

If I have full coverage and gap insurance, which one pays out if I total my car?

Sorry to hear about your accident. Your auto insurance plan will pay out the actual cash value as determined by the adjuster—minus any deductible you have.
Oct 14, 2019 Cass Lake, MN

Do I need insurance to transfer a title in a private sale?

You won't need insurance for the title transfer, but you will when you register the vehicle in Minnesota. When it's time to purchase insurance, I always recommend comparing quotes with as many companies as possible to find the lowest rate.
Mar 3, 2017 Richfield, MN

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.