Who Has the Cheapest Auto Insurance Quotes in Minnesota?

Find the Cheapest Auto Insurance Quotes in Your Area

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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
  • Auto-Owners

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.

This graph answers the question by ranking the companies in Minnesota with the lowest car insurance rates for Minnesota drivers.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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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.

RankAuto insurance companyAverage annual rates
1State Farm$1,376
2American Family$1,458
3Auto-Owners$1,752
4GEICO$2,016
5Farmers$4,101
6Allstate$4,222
NAUSAA$973
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

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).

RankAuto insurance companyAverage annual rates
1American Family$589
2Auto-Owners$612
3State Farm$615
4GEICO$759
5Allstate$1,613
6Farmers$2,307
NAUSAA$382
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

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.

RankAuto insurance companyRate before accidentRate after accidentDifference
1State Farm$1,376$1,619$243
2Auto-Owners$1,752$2,177$425
3American Family$1,458$3,019$1561
4GEICO$2,016$3,195$1,179
5Allstate$4,222$6,479$2,257
6Farmers$4,101$6,601$2,500
NAUSAA$973$1,326$352
USAA is not ranked, as only current and former military members and their families are eligible for a policy.

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:

  • Farmers
  • Auto-Owners
  • State Farm

These companies had the lowest complaint indexes, indicating higher levels of satisfaction among their customers compared to other auto insurers .

RankInsurerComplaint index
1Farmers0.14
2Auto-Owners0.23
3State Farm0.57
4American Family0.69
5GEICO0.92
6USAA1.15
7Allstate1.21

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.

CityInsurerCar insurance rate
AndoverAmerican Family$1,585
State Farm$1,609
Auto-Owners$2,034
Apple ValleyAmerican Family$1,428
State Farm$1,534
Auto-Owners$1,813
AustinState Farm$1,229
American Family$1,331
Auto-Owners$1,570
BlaineState Farm$1,552
American Family$1,568
Auto-Owners$1,918
BloomingtonAmerican Family$1,507
State Farm$1,592
Auto-Owners$1,907
Brooklyn CenterAmerican Family$1,771
State Farm$1,833
Auto-Owners$1,987
Brooklyn ParkAmerican Family$1,616
State Farm$1,766
Auto-Owners$2,063
BurnsvilleAmerican Family$1,539
State Farm$1,618
Auto-Owners$1,796
ChamplinState Farm$1,481
American Family$1,576
Auto-Owners$2,017
ChanhassenAmerican Family$1,423
State Farm$1,437
Auto-Owners$1,642
Columbia HeightsAmerican Family$1,665
State Farm$1,769
Auto-Owners$2,006
Coon RapidsAmerican Family$1,510
State Farm$1,575
Auto-Owners$2,076
Cottage GroveState Farm$1,462
American Family$1,490
Auto-Owners$1,825
CrystalAmerican Family$1,559
State Farm$1,650
Auto-Owners$1,939
DuluthState Farm$1,364
American Family$1,468
Auto-Owners$1,787
EaganAmerican Family$1,466
State Farm$1,542
Auto-Owners$1,811
Eden PrairieState Farm$1,476
American Family$1,501
Auto-Owners$1,840
EdinaAmerican Family$1,517
State Farm$1,565
GEICO$1,891
Elk RiverState Farm$1,415
American Family$1,530
Auto-Owners$1,950
FaribaultState Farm$1,392
American Family$1,467
Auto-Owners$1,675
FarmingtonState Farm$1,441
American Family$1,475
Auto-Owners$1,798
FridleyAmerican Family$1,562
State Farm$1,773
Auto-Owners$1,978
HastingsAmerican Family$1,407
State Farm$1,513
Auto-Owners$1,851
HopkinsAmerican Family$1,424
State Farm$1,555
Auto-Owners$1,892
Inver Grove HeightsAmerican Family$1,450
State Farm$1,501
Auto-Owners$1,794
LakevilleAmerican Family$1,450
State Farm$1,496
Auto-Owners$1,815
MankatoState Farm$1,278
American Family$1,366
Auto-Owners$1,597
Maple GroveAmerican Family$1,477
State Farm$1,503
GEICO$1,883
MaplewoodAmerican Family$1,583
State Farm$1,834
Auto-Owners$1,921
MinneapolisAmerican Family$1,857
State Farm$1,931
Auto-Owners$2,034
MinnetonkaAmerican Family$1,424
State Farm$1,486
Auto-Owners$1,791
MoorheadState Farm$1,254
American Family$1,266
Auto-Owners$1,416
NorthfieldState Farm$1,330
American Family$1,449
Auto-Owners$1,755
OakdaleAmerican Family$1,530
State Farm$1,599
Auto-Owners$1,901
OwatonnaState Farm$1,230
American Family$1,459
Auto-Owners$1,514
PlymouthAmerican Family$1,436
State Farm$1,571
GEICO$1,883
Prior LakeState Farm$1,422
American Family$1,463
Auto-Owners$1,598
RichfieldAmerican Family$1,618
State Farm$1,710
Auto-Owners$1,991
RochesterState Farm$1,313
American Family$1,416
Auto-Owners$1,574
SartellState Farm$1,439
American Family$1,480
Auto-Owners$1,748
SavageAmerican Family$1,475
State Farm$1,492
Auto-Owners$1,655
ShakopeeAmerican Family$1,428
State Farm$1,430
Auto-Owners$1,608
ShoreviewAmerican Family$1,516
State Farm$1,555
Auto-Owners$1,883
South St. PaulAmerican Family$1,655
State Farm$1,785
Auto-Owners$1,854
St. CloudAmerican Family$1,469
State Farm$1,528
Auto-Owners$1,845
St. Louis ParkAmerican Family$1,516
State Farm$1,589
Auto-Owners$1,908
St. MichaelAmerican Family$1,501
State Farm$1,503
Auto-Owners$1,741
St. PaulAmerican Family$1,842
Auto-Owners$1,937
State Farm$2,042
WillmarState Farm$1,346
American Family$1,464
Auto-Owners$1,696
WoodburyAmerican Family$1,453
State Farm$1,523
Auto-Owners$1,859

For a closer look at Minnesota's largest cities, we identified cheap auto insurance quotes for:

  • Minneapolis
  • St. Paul
  • Rochester
  • Duluth
  • Bloomington

Notably, shoppers that are current or former member of the military, or related to one, may qualify for especially cheap rates offered by USAA.

Minneapolis, Minnesota

  • 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.

Rochester, Minnesota

  • 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.

Duluth, Minnesota

  • 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.

Bloomington, Minnesota

  • 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:

  • Austin
  • Owatonna
  • Mankato
  • Rochester
  • Moorhead

The most expensive were:

  • Brooklyn Center
  • St. Paul
  • Minnapolis
  • Columbia Heights
  • Maplewood

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:

RankCityCar insurance rate
1Austin$2,018
2Owatonna$2,061
3Mankato$2,063
4Rochester$2,074
5Moorhead$2,113
6Willmar$2,167
7Chanhassen$2,215
8Sartell$2,232
9Northfield$2,249
10Minnetonka$2,261
11Savage$2,262
12Faribault$2,265
13Apple Valley$2,267
14Farmington$2,274
15Hopkins$2,274
16Prior Lake$2,275
17St. Cloud$2,278
18Duluth$2,280
19Shakopee$2,284
20Plymouth$2,285
21St. Michael$2,287
22Maple Grove$2,289
23Eden Prairie$2,320
24Lakeville$2,333
25Woodbury$2,350
26Inver Grove Heights$2,373
27Eagan$2,376
28Cottage Grove$2,382
29Elk River$2,389
30Edina$2,395
31Burnsville$2,401
32Hastings$2,403
33Crystal$2,429
34St. Louis Park$2,439
35Shoreview$2,450
36Bloomington$2,451
37Oakdale$2,452
38Blaine$2,472
39Champlin$2,473
40Andover$2,507
41Coon Rapids$2,534
42Richfield$2,580
43South St. Paul$2,592
44Fridley$2,616
45Brooklyn Park$2,634
46Maplewood$2,653
47Columbia Heights$2,774
48Minneapolis$2,903
49St. Paul$2,915
50Brooklyn Center$2,940

Methodology

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 typeStudy 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.

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