Car Insurance for Good Drivers in Minnesota

The Zebra
July 15, 2019

Car insurance for good drivers in Minnesota

Some of the factors contributing to car insurance rates are out of your control, including your gender, age, and location. But there are a few factors you can control if you're looking for lower rates.

If you want to find the lowest possible car insurance rates, try to keep your driving history clean, your credit score solid, and your monthly driving mileage on the low end. Auto insurance companies provide premium price cuts to drivers who present little risk, so low-risk driving behaviors can lead to a price cut.

Looking for car insurance as a low-risk driver in Minnesota? Get started by checking out some sample rates below!

Car insurance rates for drivers with no citations in Minnesota

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Insurers view safe drivers as less risky customers, in turn charging them less. Staying on the good side of the law is a great way to cut your costs.

If you're citation-free, start your insurance comparison journey with Farm Bureau Mutual (IA Group), offering an average annual premium of $801. That comes out to $1,892less than the average car insurance rate for drivers without citations in Minnesota.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN MINNESOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Farm Bureau Mutual (IA Group)$801
State Farm$1,010
Auto-Owners Insurance Co$1,048
American Family$1,077
Western National$1,178
North Star$1,194
Allied$1,284
West Bend Mutual$1,368

Car insurance rates for drivers with high credit scores in Minnesota

Car insurance companies reward drivers who have above-average credit. Car insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score sits within the "good" tier, your top option for car insurance in Minnesota could be Farm Bureau Mutual (IA Group), offering average rates of $801. If your credit score is in the “excellent” range, Farm Bureau Mutual (IA Group) might be a smart place to start your search. Farm Bureau Mutual (IA Group)'s rates for clients with credit scores of 800 and up are $342 per year less than the typical car insurance premium for drivers with excellent credit in Minnesota.

Find below a breakdown of auto insurance rates in Minnesota for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MINNESOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Farm Bureau Mutual (IA Group)$801
State Farm$1,010
Auto-Owners Insurance Co$1,048
American Family$1,077
Western National$1,178
North Star$1,194
Allied$1,284
West Bend Mutual$1,368

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MINNESOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Farm Bureau Mutual (IA Group)$761
State Farm$898
Auto-Owners Insurance Co$948
American Family$959
Western National$1,004
North Star$1,135
Allied$1,193
West Bend Mutual$1,201

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MINNESOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Farm Bureau Mutual (IA Group)$712
Western National$762
State Farm$799
Auto-Owners Insurance Co$814
American Family$872
West Bend Mutual$1,037
North Star$1,073
Allied$1,116

Compare rates from top companies!

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Auto insurance for low-mileage drivers in Minnesota

The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies use to charge infrequent drivers lower premiums. If you stay below the 7,500-mile-per-year threshold, you’re likely to save some money on auto insurance each month. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Minnesota resident who drives only infrequently, consider Farm Bureau Mutual (IA Group), offering average annual savings of $2,010 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MINNESOTA
Insurance CompanyAvg. Annual Auto Insurance Rate
Farm Bureau Mutual (IA Group)$683
State Farm$910
American Family$971
Auto-Owners Insurance Co$1,048
Western National$1,178
North Star$1,194
Allied$1,284
West Bend Mutual$1,368

Start your search today — compare rates now!

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Car insurance rates for good drivers in Minnesota — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Car insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Rochester$1,681$1,681$1,538$1,403$1,806
Duluth$1,729$1,729$1,580$1,435$1,757
Bloomington$1,822$1,822$1,657$1,503$1,825
Brooklyn Park$2,017$2,017$1,831$1,661$2,038
Minneapolis$2,174$2,174$1,973$1,789$2,201

Find an affordable policy today!

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