Cheapest Auto Insurance Quotes in Minnesota (2026)
Travelers has the cheapest insurance in Minnesota, at $136 per month for full coverage.
Find Cheap Car Insurance Quotes in Minnesota
Best cheap Minnesota car insurance
Travelers, Auto-Owners, State Farm and North Star Mutual are some of the cheapest car insurance companies in Minnesota.
- Want full coverage? Travelers: $136/mo
- Only need minimum liability coverage? North Star Mutual: $50/mo
- Want the best customer service? State Farm: $162/mo
- Have a speeding ticket? Auto-Owners: $160/mo
- Caused an accident? State Farm: $187/mo
- Need coverage for a young driver? North Star Mutual: $108/mo
- Got a DUI? Travelers: $217/mo
- Have poor credit? Geico: $392/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance in Minnesota: Travelers
Travelers, Auto-Owners and State Farm have the most affordable full coverage car insurance in Minnesota for most people.
- Travelers has the cheapest full coverage quotes for most people in Minnesota, at $136 per month. However, Travelers' poor customer service reviews mean it's not always the best choice.
- Minnesota drivers should also compare quotes from State Farm and Auto-Owners. Both companies have affordable rates, as well as better customer service reviews than Travelers.
- USAA has the cheapest rates for Minnesota drivers with military ties, along with excellent customer service reviews. But only military members, veterans and some of their family members can buy car insurance from USAA.
Find Cheap Car Insurance Quotes in Minnesota
Best cheap full coverage car insurance in MN
Company | Monthly rate |
|---|---|
| Travelers | $136 |
| Auto-Owners | $160 |
| State Farm | $162 |
| AAA | $219 |
| USAA | $118 |
USAA is only available to current and former military members and their families.
Data-powered research on Minnesota car insurance
| Data-powered research on MN car insurance |
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Cheapest liability car insurance in Minnesota: North Star Mutual
North Star Mutual offers the cheapest car insurance quotes for minimum liability car insurance in Minnesota.
North Star Mutual charges an average of $50 per month for minimum coverage insurance. That's $21 per month cheaper than the Minnesota average.
Minnesota drivers can also find cheap car insurance from USAA, but it’s only available to active and retired military members and their families. USAA offers minimum coverage car insurance for $39 per month.
Cheapest auto insurance quotes in MN
Company | Monthly rate |
|---|---|
| North Star Mutual | $50 |
| Auto-Owners | $52 |
| Travelers | $56 |
| Western National | $61 |
| State Farm | $61 |
| USAA | $39 |
USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Minnesota
Average car insurance rates in Minnesota by city
Travelers has the cheapest full coverage quotes in most Minnesota cities and towns, including Minneapolis, St. Paul and Rochester.
State Farm has the cheapest rates in about 4% of Minnesota areas, most of which include rural farm towns and northern woodland communities, while Auto-Owners is the best option in a handful of Twin Cities suburbs.
Minnesota's most expensive city for insurance is Minneapolis. Drivers in Minneapolis, the state's largest urban area, pay an average of $271 per month for a full coverage policy.
You'll often find more expensive insurance quotes in larger cities because car theft and accidents are more common in densely populated areas.
Mankato, a smaller city between Minneapolis and the Iowa border, has the state's cheapest insurance, at $182 per month.
Find Cheap Car Insurance Quotes in Minnesota
Minnesota auto insurance quotes by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Minneapolis | $271 | Travelers | $154 |
| St. Paul | $268 | Travelers | $154 |
| Rochester | $193 | Travelers | $123 |
| Duluth | $206 | Travelers | $133 |
| Bloomington | $229 | Travelers | $138 |
| Brooklyn Park | $248 | Travelers | $145 |
| Woodbury | $221 | Travelers | $133 |
| Plymouth | $218 | Travelers | $135 |
| Lakeville | $212 | Travelers | $134 |
| Blaine | $232 | Travelers | $137 |
| Maple Grove | $214 | Travelers | $134 |
| St. Cloud | $209 | Travelers | $125 |
| Eagan | $219 | Travelers | $134 |
| Burnsville | $216 | Travelers | $133 |
| Coon Rapids | $230 | Travelers | $136 |
| Eden Prairie | $212 | Travelers | $130 |
| Apple Valley | $216 | Travelers | $132 |
| Edina | $227 | Travelers | $141 |
| Minnetonka | $214 | Travelers | $135 |
| St. Louis Park | $228 | Travelers | $144 |
| Shakopee | $213 | Travelers | $128 |
| Mankato | $182 | Travelers | $121 |
| Moorhead | $187 | Travelers | $118 |
| Cottage Grove | $215 | Travelers | $129 |
| Maplewood | $255 | Travelers | $148 |
| Richfield | $239 | Travelers | $143 |
| Inver Grove Heights | $217 | Travelers | $132 |
| Roseville | $252 | Travelers | $143 |
| Andover | $222 | Travelers | $139 |
| Savage | $214 | Travelers | $130 |
| Brooklyn Center | $262 | Travelers | $149 |
| Fridley | $249 | Travelers | $141 |
| Chaska | $209 | Travelers | $130 |
| Ramsey | $223 | Travelers | $140 |
| Oakdale | $228 | Travelers | $140 |
| Prior Lake | $216 | Travelers | $133 |
| Rosemount | $213 | Travelers | $135 |
| Elk River | $220 | Travelers | $141 |
| Owatonna | $186 | Travelers | $119 |
| Shoreview | $225 | Travelers | $138 |
| Austin | $189 | Travelers | $117 |
| Winona | $191 | Travelers | $124 |
| Chanhassen | $209 | Travelers | $128 |
| Faribault | $203 | Travelers | $138 |
| Farmington | $211 | Travelers | $133 |
| White Bear Lake | $221 | Travelers | $138 |
| Otsego | $217 | Travelers | $140 |
| Champlin | $221 | Travelers | $134 |
| Lino Lakes | $227 | Travelers | $139 |
| Columbia Heights | $254 | Travelers | $143 |
| New Brighton | $229 | Travelers | $138 |
| Hastings | $214 | Travelers | $136 |
Best car insurance for most people in Minnesota: State Farm
-
Full coverage rate$162/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage. Read our methodology.
-
Claims process8.5/10Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index. Read our methodology.
-
AM Best ratingA+An A+ financial strength rating.
Pros & cons
Pros:
- Dependable customer service
- Cheap rates
- Numerous discounts
Cons:
- Expensive home insurance in MN makes it bad for bundling
Why is State Farm the best?
State Farm is the best choice in Minnesota if you're OK with paying a little more for reliable service.
State Farm's great customer reviews mean you can likely count on the company to get you back on the road quickly after an accident.
- State Farm was ranked third out of 16 companies in the central U.S. region on J.D. Power's customer satisfaction survey.
- State Farm also earned a solid score on J.D. Power's claims satisfaction survey, placing ninth out of the 21 largest car insurance companies.
- State Farm gets 41% fewer customer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC).
State Farm has some of the lowest rates in Minnesota. Full coverage from State Farm costs around $162 per month, which is a savings of 27% compared to the state average. But it's $26 per month more than the cheapest company, Travelers.
However, State Farm could be the cheapest option for you if you can get a number of its discounts. For instance, State Farm's Drive Safe & Save program could save you up to 30% for practicing safe driving habits. The program tracks your driving habits, such as mileage and speeding, using a mobile app and awards larger discounts to drivers with good habits.
Other top auto insurance companies in MN
USAA has the overall best customer service in Minnesota. But only military members, veterans and some of their family members can buy insurance from USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A+ | |
| Western National | NR | A+ | |
| North Star Mutual | NR | A+ | |
| Auto-Owners | 638 | A+ |
How did we pick the best company?
The author, Lindsay Bishop, chose the best car insurance companies in Minnesota based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Minnesota
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap car insurance in MN after a speeding ticket: Auto-Owners
Auto-Owners offers the most affordable car insurance for drivers in Minnesota with a speeding ticket. At $160 per month, a full coverage policy from Auto-Owners is $114 per month cheaper than average.
Affordable MN car insurance after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $160 |
| Travelers | $174 |
| State Farm | $174 |
| Western National | $227 |
| USAA | $145 |
USAA is only available to current and former military members and their families.
In Minnesota, a speeding ticket will raise your car insurance quotes by an average of 23%. That's a difference of $52 per month for a full coverage policy.
Cheapest auto insurance in MN after an accident: State Farm
State Farm has the cheapest quotes in Minnesota for drivers with an accident on their record. State Farm charges $187 per month for full coverage after a crash. That's $152 per month less than the state average.
Minnesota drivers should also compare quotes from Travelers and Auto-Owners after an accident. Both companies also have affordable rates.
Best auto insurance in MN after a car crash
Company | Monthly rate |
|---|---|
| State Farm | $187 |
| Travelers | $190 |
| Auto-Owners | $198 |
| Western National | $227 |
| USAA | $164 |
USAA is only available to current and former military members and their families.
One at-fault accident can raise full coverage rates by more than $100 per month in Minnesota.
Don't worry about switching car insurance companies right after your crash. Your rates won't go up until your current policy renews. However, any quotes you get will probably be more expensive than your current rate because they'll include your accident.
Instead, wait to shop around for new insurance until you get your renewal offer in the mail. That should give you a few weeks to find the best price before your rates go up.
Cheap insurance in MN for young drivers: North Star Mutual and Travelers
North Star Mutual has the cheapest minimum coverage car insurance for 18-year-old drivers in Minnesota.
A minimum coverage policy from North Star Mutual costs $108 per month for teen drivers, which is less than half the average price in the state. The company also has great customer service reviews, getting far fewer complaints than expected for a company its size.
Travelers has the cheapest full coverage quotes for teens, at $341 per month.
Auto-Owners is the second cheapest in both categories. At $120 a month for minimum coverage, it’s $100 cheaper than the state average. For full coverage, it’s $353, which is $237 cheaper than the Minnesota average.
Teen drivers with military ties can also find affordable quotes from USAA. Minimum coverage insurance from USAA costs $87 per month, which is 60% less than the state average. However, only military members and their families can buy USAA insurance.
Best Minnesota car insurance rates for teens
Company | Liability only | Full coverage |
|---|---|---|
| North Star Mutual | $108 | $588 |
| Auto-Owners | $120 | $353 |
| Travelers | $132 | $341 |
| State Farm | $172 | $441 |
| Western National | $174 | $654 |
| USAA | $87 | $257 |
USAA is only available to current and former military members and their families.
In Minnesota, the average cost of car insurance for 18-year-old drivers is more than triple the rate for 30-year-old drivers.
Young drivers can save a lot by sharing a policy with their parents.
Many companies also have discounts geared toward teens. For example, Auto-Owners offers a teen driver monitoring discount, which saves money by tracking teen drivers with a GPS monitoring system or app. You can also save by bundling your renters or home insurance with your auto policy.
Cheap auto insurance in MN for teens with a ticket or accident: Auto-Owners and North Star Mutual
Auto-Owners has the cheapest car insurance for young drivers with a speeding ticket. A minimum liability policy from Auto-Owners costs $120 per month for a teen with one speeding ticket. That's less than half the Minnesota average.
North Star Mutual has the cheapest rates for teens with an at-fault accident on their records. Minimum coverage insurance from North Star Mutual costs $162 per month, which is about half the state average.
Cheap MN auto insurance for teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $120 | $164 |
| North Star Mutual | $162 | $162 |
| Travelers | $165 | $190 |
| Western National | $174 | $174 |
| State Farm | $190 | $209 |
| USAA | $133 | $151 |
USAA is only available to current and former military members and their families.
Just like older adults, teen drivers pay more for car insurance after a speeding ticket or crash. However, teens tend to see smaller increases. Minnesota teens pay 28% more after a speeding ticket, and 41% more after an at-fault accident.
Affordable Minnesota insurance rates after a DUI: Travelers
Travelers has the cheapest auto quotes for Minnesota drivers with a DUI. The company's average rate of $217 per month for full coverage is less than half the state average for drivers with a DUI.
Minnesota drivers with a DUI should also consider Western National, which costs $10 more per month and has better customer service. Western National receives far fewer complaints than expected for a company of its size, while Travelers receives far more.
Cheapest car insurance in MN after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $217 |
| Western National | $227 |
| Auto-Owners | $284 |
| State Farm | $350 |
| USAA | $217 |
USAA is only available to current and former military members and their families.
Car insurance in Minnesota after a DUI is more than twice as expensive as the cost for drivers with a clean record.
Cheapest quotes in MN for drivers with poor credit: Geico
Geico has the cheapest quotes for Minnesota drivers with poor credit. A full coverage policy from Geico costs $392 per month, which is $150 per month less than the state average.
Company | Monthly rate |
|---|---|
| Geico | $392 |
| Travelers | $399 |
| North Star Mutual | $462 |
| Auto-Owners | $482 |
| AAA | $525 |
| USAA | $278 |
USAA is only available to current and former military members and their families.
In Minnesota, drivers with poor credit pay almost two and a half times as much for car insurance as drivers with good credit. That's because insurance companies believe that drivers with bad credit are more likely to file claims.
What vehicle insurance is required in Minnesota?
Minnesota requires all drivers to have a minimum amount of liability insurance, which is sometimes written as 30/60/10. In addition, Minnesota drivers are required to have uninsured and underinsured motorist coverage and personal injury protection.
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection (PIP): $40,000 per accident
- Uninsured and underinsured motorist coverage: $25,000 per person and $50,000 per accident
If you're injured in a car accident in Minnesota, you’ll need to start by making a personal injury protection (PIP) claim with your own insurance company. That's because Minnesota is a "no-fault" state. This means your insurance company can help pay for medical expenses, lost wages, replacement services, funeral expenses and survivor benefits after a crash.
Minnesota's PIP coverage pays up to a total of $40,000 per accident. There are two types of expenses covered within this limit: $20,000 for medical and the other half for non-medical benefits, also called work loss benefits.
Your nonmedical benefits include the following:
- Disability and income loss benefit: In the event you are disabled or forced to stop working due to injuries from a car crash, Minnesota's PIP compensates you for 85% of your lost present and future income, up to $500 a week. If you were receiving some form of unemployment benefit that you will lose because you are unable to work, the same benefit applies.
- Replacement services benefit: When you are receiving a disability benefit, you may also claim a maximum of $200 a week for replacing household services you're responsible for in MN. For example, this can pay for hiring someone to take care of your family for you if you're unable to because of injuries sustained in the car crash.
- Funeral benefit: When someone covered under your policy dies from injuries as a result of a car accident, your insurer must provide as much as $5,000 for the funeral and burial expenses.
- Survivors benefits: If a covered driver passes away due to injuries from the car crash, and there are legal dependents who rely on the income or care provided by the deceased person, the dependents may make claims under survivors benefits. Specifically, they are entitled to a maximum of $500 per week of income loss (income that would have been made by the deceased) and up to $200 per week of replacement services.
In certain situations involving serious injuries, Minnesota drivers may also sue the other driver for additional damages, such as pain and suffering.
Driving without insurance is a misdemeanor in Minnesota, and it can lead to increased penalties after repeated offenses.
First and second offenses
- Fines: $200-$1,000
- Driving privileges: Driver's license, registration and license plates suspended for up to one year
- Community service, imprisonment: Possible community service in lieu of fine
- Reinstatement fee: $30 fee and SR-22 certificate
Third offense
- Fines: $200-$3,000
- Driving privileges: Driver's license, registration and license plates suspended for up to one year
- Community service, imprisonment: Possible community service in lieu of fine, and no more than 90 days in jail
- Reinstatement fee: $30 fee and SR-22 certificate
What's the best car insurance coverage for Minnesota drivers?
Full coverage car insurance is the best choice for most people in Minnesota.
Full coverage includes comprehensive and collision coverage, which pay for damage to your own car.
- Collision coverage pays for damage to your car after you hit another car or a stationary object, like a building or pole.
- Comprehensive coverage pays for damage outside of your control, including theft, vandalism or an accident with an animal. It also protects your car against storm damage, including hail, flooding or a fallen tree branch.
Lenders typically require comprehensive and collision coverage if you have a car loan or lease. It's also a good idea if your car is less than 8 years old or worth more than $5,000.
In addition, full coverage usually includes higher liability limits than the state requirement. This is important, as the minimum requirement may not be enough to cover the cost of a serious accident.
For example, if you crash into and total a brand-new car, it's unlikely that $10,000 of property damage liability coverage will be enough to replace it. You'll have to pay the remaining balance out of pocket.
Frequently asked questions
Is North Star Mutual cheaper than Travelers?
North Star Mutual offers cheaper rates than Travelers for minimum coverage, at $50 per month. It also has affordable rates for young drivers, including teens with a ticket or accident on their record. For example, North Star Mutual offers $162 per month for teens with an accident, compared to Travelers’ rate of $190 per month. North Star Mutual also has a higher customer service rating. However, Travelers charges less for full coverage rates for teens, $341 compared to $588.
What is the cheapest car insurance company in Minnesota?
In 2026, Travelers has the cheapest full coverage car insurance in Minnesota, at $136 per month. That's 38% cheaper than the Minnesota state average. North Star Mutual has the cheapest minimum liability coverage, at just $50 per month.
How much is car insurance per month in Minnesota?
The average cost of full coverage car insurance in Minnesota is $222 per month. Minimum liability coverage costs an average of $71 per month.
How much is auto insurance in Minneapolis, MN?
Car insurance in Minneapolis costs $271 per month for a full coverage policy, on average. That's $49 per month more expensive than the Minnesota average. In comparison, auto insurance in St. Paul costs slightly less, at $268 per month.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Minnesota for the state's largest insurance companies. Quotes are for a 30-year-old man with a good credit score who owns a 2018 Honda Civic EX.
Rates are for a full coverage policy with liability coverage beyond the minimum requirements.
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $50,000 of property damage liability
- $40,000 of personal injury protection
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
