Cheap Minnesota Car Insurance

Compare the best rates from 12 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
1Travelers$654
2USAA$815
3Farm Bureau Mutual$821
4Western National$919
5The Hartford$945
6West Bend Mutual$962
7Allied$1,186
8State Farm$1,238
9Cal Casualty$1,239
10American Family$1,255
11General Casualty$1,287
12Auto-Owners$1,308
13Auto Club Group$1,366
14Farmers$1,379
15Nationwide$1,392
16North Star$1,418
17Progressive$1,434
18Country$1,441
19Allstate$1,452
20MetLife$1,565
21National Farmers Union$1,668
22GEICO$2,157
23Encompass$2,699
24Liberty Mutual$3,503

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
16$4,284$6,278
17$4,162$5,381
18$4,271$5,151
19$3,680$2,837

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%
DUI$1,98137.29%
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)
Allied3Superior
Allstate3Superior
American Family4Excellent
Auto Club Group2Excellent
Auto-Owners5Superior
EncompassNot RatedSuperior
Farmers3Excellent
GEICO3Superior
General CasualtyNot RatedExcellent
Liberty Mutual3Excellent
MetLife3Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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
Minnesota$549.20$1,095.37$1,253.92
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Minnesota

In Minnesota, the state minimum coverage requirements are as follows:
Liability
  • 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

Liability coverage is legally required in Minnesota and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Minnesota, the minimum is listed as 30/60/10 and explained below:

  • $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Minnesota and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Minnesota, the minimum is listed as 25/50 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Minnesota, minimum PIP coverage is explained below:

  • $20,000 Medical Expense per person. This is the total amount of medical coverage per person for you or any passengers in your vehicle and it pays regardless of fault.
  • $20,000 Economic Loss per person. This is the total amount of work loss coverage per person for you or any passengers in your vehicle and it pays regardless of fault.

These numbers reflect the minimum limits required in Maryland but higher coverage amounts are available with most companies.

 

Minnesota is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Car Insurance FAQs

Are digital insurance cards accepted in Minnesota?

Yes. If you happen to find yourself pulled over by a police officer in Minnesota you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Minnesota?

12% of motorists don't carry insurance in Minnesota — below the national mean of 13%. It's still a good idea to carry uninsured motorist coverage in Minnesota to avoid extra costs if you're involved in an accident with an uninsured motorist.

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 Mankato, Minnesota, and the most expensive in Minneapolis, Minnesota.

RankCityAvg. Annual Premium
1Minneapolis$2,038
2Saint Paul$2,029
3Maplewood$2,025
4Brooklyn Park$1,780
5Richfield$1,778
6Bloomington$1,774
7Coon Rapids$1,774
8Blaine$1,766
9Duluth$1,759
10Edina$1,742
11Saint Louis Park$1,737
12Woodbury$1,714
13Maple Grove$1,707
14Plymouth$1,697
15Eagan$1,695
16Burnsville$1,692
17Minnetonka$1,689
18Eden Prairie$1,689
19Lakeville$1,683
20Shakopee$1,676
21Saint Cloud$1,669
22Apple Valley$1,647
23Rochester$1,607
24Moorhead$1,535
25Mankato$1,504

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)
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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.

Prompt

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 destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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 scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

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

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

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.

Click here to learn more