Car Insurance in Minnesota

  • Auto-Owners offers the cheapest liability and Travelers the cheapest full coverage auto insurance in MN
  • Compare the cheapest car insurance quotes in MN from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
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By Renata Balasco Info icon
Updated September 16, 2024
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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Beth Swanson

SEO Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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  1. Full coverage car insurance in MN
  2. Liability coverage in MN
  3. Best car insurance in Minnesota
  4. Car insurance for young drivers in MN
  5. Insurance trends in MN by year
  6. Insurance in popular Minnesota cities
  7. Car insurance in Minnesota after an accident or ticket
  8. Minnesota car insurance FAQs

Car insurance quotes in Minnesota

Minnesota drivers benefit from below-average car insurance rates, with full coverage averaging $1033 for a six-month policy—about 5% cheaper than than the national average.[1] However, 41% of Minnesotans still feel they are paying too much for car insurance.[2]

If you're aiming to save, Auto-Owners offers some of the lowest rates for liability coverage, while Travelers provides the cheapest options for full coverage. 

For those who prefer a balance between quality and affordability, even if it costs a bit more, American Family is a solid option for Minnesotans to consider when shopping for car insurance.

Travelers logo
Cheapest full coverage in MN
Auto-Owners logo
Cheapest liability coverage in MN
American Family logo
Best Customer Service in MN
American Family logo
Best car insurance in MN — overall

Cheap full coverage insurance in Minnesota

In 2024, full coverage car insurance in Minnesota averages about $1033 for a six-month policy. It’s a popular option because it provides more comprehensive protection, covering both your vehicle and any damages you may cause to others. In fact, 64% of The Zebra's Minnesota customers request quotes for full coverage insurance.

While full coverage tends to be pricier than liability-only, you can still find affordable options by comparing quotes from companies like Travelers and American Family, both known for offering competitive rates.

Full Coverage Quotes in MN

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $666 $111
American Family $668 $111
Auto-Owners $723 $121
USAA $922 $154
Allstate $1,009 $168
State Farm $1,052 $175
GEICO $1,433 $239

Source: The Zebra

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Find the best coverage and price in New Jersey with The Zebra.

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Cheap liability insurance in Minnesota

Liability insurance in Minnesota costs an average of $346 for a six-month policy. Based on our user profile, State Farm and GEICO tend to offer some of the most affordable rates. However, only 36% of our Minnesota customers choose liability-only coverage.

Before opting for liability-only, consider whether it provides enough protection for your situation. It’s less expensive because it only covers damage to others, not your own vehicle. The table below shows monthly and six-month quotes from top insurers in Minnesota with Auto-Owners and Travelers offering the cheapest average policies.

Cheapest Liability Coverage in MN

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners $228 $38
Travelers $267 $45
USAA $270 $45
American Family $322 $54
State Farm $356 $59
GEICO $395 $66
Allstate $407 $68

Source: The Zebra

Based on our data, 36% of Minnesota drivers choose liability-only coverage. Minnesota requires a minimum of 30/60/10 for liability insurance, which means $30,000 per person and $60,000 per accident for injuries, plus $10,000 for property damage. The state also requires $40,000 per person for personal injury protection (split into $20,000 for medical expenses and $20,000 for non-medical expenses) and $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage.

If you’d like to learn more, check out our page that breaks down Minnesota’s car insurance requirements and laws.

Renata Balasco, licensed insurance professional at The Zebra
For Minnesotans, is the liability insurance enough?

For many Minnesotans, the state minimum liability coverage may not be enough. Under Minnesota’s no-fault system, you're required to cover your own medical expenses with Personal Injury Protection (PIP), but liability coverage is still needed for damage you cause to others. The $10,000 property damage limit and $30,000/$60,000 for bodily injury can leave you vulnerable in major accidents.

Increasing your limits to $100,000 per person and $300,000 per accident for bodily injury, with $50,000 for property damage, provides better financial protection.

Renata Balasco, licensed insurance agent with 5+ years of industry experience

Cheapest Liability & Full Coverage Quotes in Minnesota

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Company Liability Coverage Full Coverage
Auto-Owners $228 $723
Travelers $267 $666
USAA $270 $922
American Family $322 $668
State Farm $356 $1,052
GEICO $395 $1,433
Allstate $407 $1,009

Source: The Zebra

We ranked American Family as the best car insurance company in Minnesota based on factors like customer reviews, third-party ratings (from sources like JD Power and AM Best), and the range of discounts, coverage options, and programs available.

Here’s a breakdown of American Family’s pros and cons:

american family logo
Overall best car insurance company in Minnesota — American Family Insurance

American Family Insurance offers highly competitive rates and customizable coverage options, making it easy to tailor policies to your needs. In 2023, it earned top marks in J.D. Power's Customer Satisfaction Survey and ranked third in The Zebra's Customer Satisfaction Survey.[3,4] Additionally, safe drivers will love that their popular usage-based program and diminishing deductible reward safe driving.

Though they primarily operate through local agents for personalized service, you can also manage your policy online or via their app. With various discounts and strong customer support, American Family is a great option for Minnesotans seeking flexible, affordable car insurance.

Pros

  • Several lines of insurance to be bundled

  • Top-rated by consumers and third parties alike for claims and customer satisfaction

  • Some of the best rates in MN, even for teen drivers

  • Option of local agents

Cons

  • Only available in 19 states (only a concern if moving)

  • Not as many add-ons and endorsements as some

Best car insurance in Minnesota — honorable mentions

To determine the best companies, we looked at J.D. Power auto insurer ratings and consumer reviews we collected from nearly 3000 drivers across Minnesota and the US.

Best Car Insurance Companies in Minnesota

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $668 $111
Auto-Owners $723 $121
USAA $922 $154
State Farm $1,052 $175

Source: The Zebra

the best car insurance companies in Minnesota based on internal and external rating sources

How did we pick what company has the "Best Value" in Minnesota?

The author's recommendation for "best value" is based on:

  • The Zebra's 2024 Customer Satisfaction Survey
  • J.D. Power's 2023 Regional Customer Satisfaction Study
  • Each company's average cost of car insurance in Minnesota
  • Available coverage options
  • The author's years of insurance industry experience

Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.

For more information, see our editorial standards page.

Cheap auto insurance for teens and young drivers in Minnesota

Young drivers in Minnesota, particularly those between the ages of 16 and 19, face some of the highest car insurance rates due to their inexperience. Teen drivers often pay significantly more than older drivers, with premiums averaging over three times the national average. In Minnesota, these young drivers can expect to see annual rates around $2,690, 160% higher than the typical Minnesota driver.[1] 

The good news? Shopping around can save you quite a bit of money. We recommend starting your search for teen car insurance with Travelers, American Family, and Auto-Owners who our analysis confirmed offer some of the cheapest rates in the state.
Cheapest Car Insurance Quotes for Young Drivers in MN

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $1,521 $253
American Family $1,605 $268
Auto-Owners $1,727 $288
USAA $2,439 $407
Allstate $2,786 $464
State Farm $3,350 $558
GEICO $3,484 $581

Source: The Zebra

Top Companies in Minnesota for Teens
Filter by:

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Company Avg. Monthly Premium Avg. 6 Mo. Premium
American Family $330 $1,982
Auto-Owners $309 $1,854
Allstate $666 $3,999
GEICO $661 $3,964
USAA $545 $3,267
Travelers $313 $1,876
State Farm $724 $4,345

Source: The Zebra

Zebra Tip: 3 ways young drivers can save on car insurance

  1. Take a defensive driving course to not only qualify for discounts but also lower your chances of getting into accidents.
  2. Choose a vehicle with strong safety ratings and low repair costs, rather than a high-performance car.
  3. Remain on your parents' policy to save money and take advantage of their established insurance history.

How have car insurance costs in Minnesota changed?

Car insurance costs in Minnesota have been quite volatile over the past decade. For instance, after a decrease of $311 in 2023, the average annual premium rose by $308 in 2024, bringing it to $1,704. This pattern of sharp increases and decreases is evident throughout the years. In 2022, premiums jumped by $397 after a drop of $88 the previous year. Similarly, in 2018, premiums fell by $405, only to rise again by $234 in 2017. These large swings suggest that car insurance rates in Minnesota can vary significantly from year to year, making it challenging to predict trends.

Car Insurance Costs in Minnesota Since 2015
Year Avg. Annual Premium — Minnesota Yearly Change — Minnesota
2024 $1,704 $308
2023 $1,396 -$311
2022 $1,707 $397
2021 $1,310 -$88
2020 $1,398 $39
2019 $1,359 -$2
2018 $1,361 -$405
2017 $1,796 $234
2016 $1,562 -$323
2015 $1,885 $216

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Save money on your next car insurance policy!

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Car insurance in popular Minnesota cities

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Among the cities in Minnesota with the highest populations, the cheapest car insurance is found in Rochester, Minnesota, and the most expensive in Minneapolis, Minnesota.

Have a look at the table below to see average car insurance costs in some of Minnesota's biggest cities.

Auto Insurance Quotes in Minnesota's Biggest Cities

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City Avg. 6 Mo. Premium Avg. Monthly Premium
Rochester $936 $156
Duluth $992 $165
Bloomington $1,054 $176
St. Paul $1,165 $194
Minneapolis $1,187 $198

Source: The Zebra

Minnesota auto insurance quotes after an accident or ticket

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your annual car insurance rates climb to an average of $3,037.

Best Insurance Companies in MN After an Accident

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $881 $147
Auto-Owners $893 $149
American Family $981 $163
USAA $1,279 $213
State Farm $1,310 $218
Allstate $1,674 $279
GEICO $2,072 $345

Source: The Zebra

Zebra Tip: Don't forget about claims satisfaction

In a perfect world, you wouldn't need to use your insurance. But if you ever do, a smooth claims process makes all the difference. In our 2024 Customer Satisfaction Survey, we found that USAA, AAA, and American Family stood out for their claims handling. If you're in Minnesota, these companies are worth at least considering.

In Minnesota, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Minnesota after a few common citations.

Car insurance rates by violations in Minnesota

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Accident/Violation Avg. Annual Premium $ Rate Increase
None $2,067 $0
One Med/PIP claim $2,082 $15
Not-at-fault accident $2,129 $62
One comp claim $2,200 $133
Two Med/PIP claims $2,200 $133
Two comp claims $2,293 $227
Failure to wear a seat belt $2,347 $281
Failure to show documents $2,387 $320
Driving without lights $2,421 $354
Child safety restraint $2,421 $354
Driving with expired registration $2,474 $407
Cell phone violation $2,518 $451
Texting while driving $2,518 $451
Speeding 6 - 10 MPH over limit $2,519 $452
Following too closely $2,541 $474
Illegal turn $2,552 $485
Wrong way/wrong lane $2,553 $487
Driving too slowly $2,558 $491
Speeding in school zone $2,561 $494
Failure to yield $2,561 $494
Failure to stop at a red light $2,567 $500
Improper passing $2,571 $504
Speeding 11 - 15 MPH over limit $2,577 $510
Speeding 16 - 20 MPH over limit $2,601 $534
Passing school bus $2,663 $596
At-fault accident - less than $1000 $2,665 $598
In 65 MPH zone $2,674 $607
Operating a vehicle without permission $2,691 $624
Speeding 21 - 25 MPH over limit $2,777 $711
At-fault accident - $1000-$2000 $2,969 $903
Open container $2,971 $904
At-fault accident - greater than $2000 $3,037 $970
Reckless driving $3,717 $1,651
Racing $3,840 $1,774
Driving with a suspended license $4,080 $2,013
Refusal to submit to a chemical test $4,131 $2,064
DUI $4,267 $2,200
Leaving scene of an accident/hit and run $4,425 $2,359

Source: The Zebra

The Zebra's guide to Minnesota car insurance laws for high-risk drivers

Certain offenses, like a DUI, can create serious challenges for your insurance situation. For a deeper understanding of how these issues are handled, visit our detailed guides on Minnesota car insurance laws and regulations.

Minnesota DUI laws

In Minnesota, a DUI offense can increase your annual car insurance premium by an average of $4,267. That’s 106% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

 
Low-cost car insurance after a DUI in Minnesota

If you're convicted of a DUI or DWI violation in Minnesota, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Minnesota State Farm averages annual rates that are 54% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Minnesota is American Family, while the priciest firm is GEICO, with prices 13% above average.

Minnesota Car Insurance Quotes with a DUI

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $863 $144
Travelers $1,036 $173
Auto-Owners $1,282 $214
State Farm $1,493 $249
USAA $1,708 $285
Allstate $1,724 $287
GEICO $2,962 $494

Source: The Zebra

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Minnesota SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Minnesota to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Minnesota might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Minnesota

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

Find an affordable policy in Minnesota in minutes!

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Minnesota car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Minnesota auto insurance.

Our data indicate State Farm offers the cheapest insurance premiums in Minnesota. You can find policies for as low as $666/6-month period for full coverage from Travelers and liability policies as low as $228/6-month period from Auto-Owners.

Minnesota is actually 5% 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.

Car insurance sets Minnesotans back $172 per month, on average for full coverage and $58/month for liability-only.

Save money on your next car insurance policy!

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Sources

  1. Data Methodology. The Zebra’s Dynamic Insurance Rating Tool

  2. Anonymized User Surveys. The Zebra

  3. J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds

  4. 2024 Customer Satisfaction Survey. The Zebra

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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 editorial 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.