The average cost of car insurance in Minnesota is $2,271 per year, or $189 per month. The cheapest auto insurance companies in Minnesota were:
- State Farm
- American Family
Find Cheap Auto Insurance Quotes in Your Area
Even within Minnesota, car insurance quotes from different companies can vary by more than $4,000 for the same policy type.
To get the best car insurance rates, compare auto quotes from at least three companies near you. Type your ZIP code above for the top insurers active in your neighborhood to begin looking for cheap rates.
Who has the cheapest car insurance rates in Minnesota?
State Farm, American Family and Auto-Owners had the best car insurance rates in Minnesota. Together, the three companies averaged an annual rate of $1,528, or 33% cheaper than the state average, for a full coverage auto insurance policy.
The most expensive insurers were GEICO, Farmers and Allstate, or 52% more expensive than the average car insurance quote in Minnesota.
Find the Cheapest Auto Insurance Quotes in Your Area
Below we rank Minnesota auto insurers from cheapest to most expensive according to their average annual car insurance premiums. Although these are statewide rankings, we always recommend comparing quotes from multiple insurance companies to find the best rate.
Enter your ZIP code above to find cheap insurance near you.
|Rank||Auto insurance company||Average annual rates|
Your auto insurance rates can be completely different just based on your own driving circumstances, including the number of tickets or claims, the car you drive, and how much additional or optional types of coverage you choose.
Cheapest minimum coverage auto insurance in Minnesota
For minimum coverage auto insurance, American Family, Auto-Owners and State Farm offered the most affordable rates in Minnesota.
These three insurers, together, offered average rates of $605 per year, or 38% less than the Minnesota average for minimum coverage car insurance ($983).
|Rank||Auto insurance company||Average annual rates|
Minimum coverage car insurance policies only meet Minnesota state law's minimum requirements. Unlike full coverage car insurance, minimum coverage doesn't include comprehensive and collision coverage.
And while you may purchase a minimum coverage policy for cheaper, low coverage limits may put you at risk of insufficient protection following a car accident.
Cheapest car insurance in Minnesota with a prior accident
State Farm, Auto-Owners and American Family offered drivers with a single accident on their driving record the cheapest full coverage car insurance quotes in Minnesota.
Together, these insurers offered car insurance rates 35% less than the state average of $3,488.
|Rank||Auto insurance company||Rate before accident||Rate after accident||Difference|
Having just one accident on your driving history can result in significantly more expensive car insurance rates. The difference in annual auto insurance quotes in Minnesota for a full coverage policy with no accident history ($2,271) versus one with a single accident ($3,488) was $1,217.
Best car insurance companies in Minnesota
In Minnesota, the best rated auto insurance companies are:
- State Farm
These companies had the lowest complaint indexes, indicating higher levels of satisfaction among their customers compared to other auto insurers .
We identified the complaint index for seven large insurers to find which were rated as the best car insurance companies for Minnesota drivers. The complaint index allows consumers to compare insurers based on customer complaints relative to underwritten premiums.
Companies with low complaint indexes receive less complaints than expected for a company of their size. This metric helps measure how happy drivers are with their carriers.
Minnesota auto insurance requirements
Minnesota state requires auto insurance coverage for all drivers with the following coverages and minimum limits:
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000
- Personal injury protection (PIP): $40,000
- Uninsured / Underinsured motorist coverage: $25,000 per person and $50,000 per accident
While these limits identify the lowest amount of car insurance you can hold legally, you should consider adding more coverage, as damage above these levels could require you to pay significant out-of-pocket expenses following an accident.
How much liability insurance you need usually depends on your total assets at risk in the event of a lawsuit. If you own highly valued property, for example, we'd recommend greater liability coverage and considering umbrella insurance, which helps cover liabilities beyond your auto limits.
Cheapest car insurance in Minnesota by city
The Twin Cities, Saint Paul and Minneapolis, were among the most expensive cities in Minnesota. Although larger urban areas tend to be more expensive for car insurance rates, there are opportunities to save through comparison shopping.
Here we list local auto insurance quotes across the 50 most populous cities in the state and identify companies with the cheapest rates in each city.
|City||Insurer||Car insurance rate|
|Apple Valley||American Family||$1,428|
|Brooklyn Center||American Family||$1,771|
|Brooklyn Park||American Family||$1,616|
|Columbia Heights||American Family||$1,665|
|Coon Rapids||American Family||$1,510|
|Cottage Grove||State Farm||$1,462|
|Eden Prairie||State Farm||$1,476|
|Elk River||State Farm||$1,415|
|Inver Grove Heights||American Family||$1,450|
|Maple Grove||American Family||$1,477|
|Prior Lake||State Farm||$1,422|
|South St. Paul||American Family||$1,655|
|St. Cloud||American Family||$1,469|
|St. Louis Park||American Family||$1,516|
|St. Michael||American Family||$1,501|
|St. Paul||American Family||$1,842|
For a closer look at Minnesota's largest cities, we identified cheap auto insurance quotes for:
- St. Paul
Notably, shoppers that are current or former member of the military, or related to one, may qualify for especially cheap rates offered by USAA.
- Average annual cost = $2,903
- 28% more costly than Minnesota average
For the best auto insurance rates in Minneapolis, Minnesota, we suggest drivers start with quotes from American Family, State Farm and Auto-Owners.
These three companies had the cheapest rates for our drivers' full coverage policies, averaging $1,941. Compared to the city mean, rates among the top three insurers were 33% lower.
Saint Paul, Minnesota
- Average annual cost = $2,915
- 28% more expensive than state average
Saint Paul ranks as the second most expensive city for auto insurance costs in Minnesota, but local residents' premiums don't have to be so high. We found the cheapest car insurance in St. Paul at American Family, Auto-Owners and State Farm.
These three companies averaged $1,941 per year for our sample driver. That figure is about 33% less than what the typical insurer charges in the city.
- Average annual cost = $2,074
- 9% cheaper than Minnesota average
Drivers looking for the cheapest auto insurance companies in Rochester, Minnesota should begin their comparison shopping with quotes from State Farm, American Family and Auto-Owners. With an average cost of $1,435 each year, these providers had annual premiums that were 31% cheaper compared to the citywide mean.
Rochester is among the cheapest cities in Minnesota for car insurance, and the cheapest of the top five most populous cities.
- Average annual cost = $2,280
- In line with Minnesota state average ($2,271)
We found the most affordable local car insurance rates in Duluth, Minnesota at State Farm, American Family and GEICO, which averaged $1,540, or 32% cheaper than the city average.
- Average annual cost = $2,451
- 8% more expensive than Minnesota average
The top three cheapest companies to insure a car in Bloomington, Minnesota are American Family, State Farm and Auto-Owners. Auto insurance rates at these three companies averaged $1,668 a year, or a 32% decrease compared to the typical Bloomington insurer.
Average cost of car insurance in Minnesota by city
We found that the average cost of auto insurance in Minnesota is $2,271 a year to insure vehicles with full coverage. Annual premiums can range by city, however.
The cheapest cities for auto insurance in Minnesota were:
The most expensive were:
- Brooklyn Center
- St. Paul
- Columbia Heights
Below are the 50 most populous cities in Minnesota, where quotes were available, listed by those with cheapest to the most expensive car insurance rates:
|Rank||City||Car insurance rate|
|26||Inver Grove Heights||$2,373|
|34||St. Louis Park||$2,439|
|43||South St. Paul||$2,592|
We collected car insurance quotes for cities in Minnesota from seven auto insurance companies. Our sample driver was a:
- 30-year-old male
- Driving a 2015 Honda Civic EX
The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.
Our sample driver held full coverage car insurance with the following limits:
|Coverage type||Study limits|
|Bodily liability||$50,000 per person/$100,000 per accident|
|Property damage||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For a minimum coverage policy, our sample driver had coverage equivalent to the minimum Minnesota state requirements.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.