Who Has the Cheapest Auto Insurance Quotes in Minnesota? (2023)

Who Has the Cheapest Auto Insurance Quotes in Minnesota? (2023)

State Farm offers the cheapest car insurance quotes in Minnesota, with an average rate of $29 per month for a liability-only policy.

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Best cheap car insurance in Minnesota

To help drivers find the best cheap car insurance in MN, our editorial team compared quotes from top companies from every ZIP code in the state. Quotes for minimum coverage meet the Minnesota state minimum requirements of $30,000 in bodily injury liability coverage per person and $60,000 per accident, $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 per accident, $10,000 in property damage protection and $40,000 of personal injury protection (PIP). Full coverage quotes include comprehensive and collision protection along with higher liability limits than the state minimums.

Additionally, we rated the best car insurance companies in MN based on affordability for different drivers, coverage availability, customer service reviews and convenience.

Cheapest car insurance quotes in Minnesota: State Farm

State Farm offers the cheapest car insurance quotes for minimum coverage auto insurance for most Minnesota drivers. On average, State Farm charges $29 per month, or $346 per year for minimum coverage insurance. That's 49% cheaper than the statewide average.

The average cost of car insurance in Minnesota is $57 per month, or $680 per year, for minimum liability.

Cheapest car insurance companies in Minnesota
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Minnesota drivers can also find cheap car insurance from USAA, which is only available to active and retired military members and their families. USAA offers minimum coverage car insurance for $29 per month, which is basically the same price as State Farm.

Cheapest minimum coverage car insurance in Minnesota

Company
Monthly rate
State Farm logo
State Farm$29
Auto-Owners logo
Auto-Owners$35
American Family logo
American Family$44
Geico logo
Geico$53
Travelers logo
Travelers$62
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*USAA is only available to current and former military members and their families.

Minimum coverage car insurance policies meet Minnesota state law's minimum requirements.

Unlike a full coverage policy, minimum coverage doesn't include comprehensive and collision coverage. That means your car insurance company won't pay for damage to your own car.

Additionally, minimum coverage includes lower liability limits than we would recommend for most drivers. While minimum coverage is $84 cheaper per month than full coverage, low limits may mean your insurance won't cover the full costs of a major car accident.

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Cheapest full coverage car insurance in Minnesota: State Farm

State Farm also offers the cheapest full coverage auto insurance in Minnesota. Full coverage insurance from State Farm costs $75 per month, which is 47% more affordable than the state average.

The average cost of full coverage car insurance in Minnesota is $140 per month, though you could find more affordable rates by comparing quotes.

Cheapest full coverage car insurance in Minnesota

Company
Monthly rate
State Farm$75
Auto-Owners$115
American Family$115
Travelers$140
Geico$142
Show All Rows

*USAA is only available to current and former military members and their families.

Drivers in Minnesota can also find cheap full coverage quotes from Auto-Owners and American Family. The average cost of coverage from these two companies is $115 per month, which is 18% cheaper than the state average.


Cheap car insurance in MN for drivers with prior incidents

In Minnesota, State Farm is your best bet for cheap quotes after a driving incident.

If you have blemishes on your driving record like a speeding ticket, at-fault crash or a DUI on your driving record, your car insurance quotes will generally be more expensive than rates for drivers with a clean record.

That means it's even more important to compare quotes from multiple insurance companies to find the most affordable option for you.

Cheapest car insurance quotes after a speeding ticket: State Farm

State Farm offers the most affordable car insurance for drivers in Minnesota with a speeding ticket. At $81 per month for full coverage, a policy from State Farm is 54% cheaper than average.

Company
Monthly rate
State Farm$81
Auto-Owners$115
American Family$137
Travelers$179
Geico$183
Show All Rows

Getting a speeding ticket in Minnesota will raise your car insurance quotes by an average of 25% — though not as much as being involved in an accident.

Cheapest car insurance after an accident: State Farm

State Farm has the cheapest quotes for drivers with an accident on their record. The company charges 61% less than the statewide average, at $86 per month for full coverage. A policy from State Farm costs $53 per month less than the second-cheapest option, Auto-Owners.

Company
Monthly rate
State Farm$86
Auto-Owners$139
Travelers$195
American Family$252
Geico$276
Show All Rows

Having one at-fault crash on your record can raise your insurance rates significantly. After an accident, the average cost of full coverage insurance in Minnesota increases by $83 per month.

Cheapest car insurance quotes with a DUI: State Farm

State Farm offers Minnesota drivers with a DUI the cheapest auto quotes. State Farm's average rate of $160 per month for full coverage is 41% cheaper than average for drivers with a DUI.

Company
Monthly rate
State Farm$160
Auto-Owners$194
American Family$210
Travelers$226
Farmers$324
Show All Rows

The cost of car insurance in Minnesota after a DUI is 95% more expensive than for drivers with a clean record.

Cheapest car insurance for drivers with poor credit: Geico

Geico has the cheapest quotes for Minnesota drivers with poor credit. A full coverage policy from Geico costs $203 per month, which is 34% less than the state average.

Company
Monthly rate
Geico$203
State Farm$210
American Family$233
Auto-Owners$341
Farmers$410
Show All Rows

It's common for insurance companies to charge drivers with poor credit more for car insurance. That's because drivers with bad credit are statistically more likely to file claims. In Minnesota, drivers with poor credit pay 120% more for car insurance than drivers with good credit.


Cheapest car insurance in MN for young drivers: State Farm

State Farm offers the cheapest car insurance for 18-year-old drivers in Minnesota for both minimum coverage and full coverage.

A minimum coverage policy from State Farm costs $79 per year, which is less than half the average price in the state. Teen drivers with military ties can also find affordable quotes from USAA. Minimum coverage insurance from USAA costs $64 per month, which is 63% cheaper than the state average. However, only military members and their families can buy car insurance from USAA.

Cheapest car insurance companies for teens

Company
Liability only
Full coverage
State Farm$79$197
Auto-Owners$82$250
Travelers$138$322
American Family$164$413
Geico$183$467
Show All Rows

In Minnesota, the average cost of liability-only car insurance for 18-year-old drivers is $175 per month — three times the cost for 30-year-old drivers.

Young drivers should consider sharing a policy with their parents or an older relative if they can. Sharing a policy can save you around 62% on car insurance costs.

Cheapest car insurance for young drivers after a ticket: Auto-Owners

Auto-Owners has the cheapest car insurance for young drivers with a speeding ticket. A minimum coverage policy from Auto-Owners costs $82 per month for these drivers, which is less than half the state average.

Company
Monthly rate
Auto-Owners$82
State Farm$87
Travelers$172
American Family$177
Geico$214
Show All Rows

An 18-year-old driver in Minnesota can expect their car insurance quotes to go up by around 24% after a single speeding ticket.

Cheapest car insurance for young drivers after an accident: State Farm

State Farm provides young drivers In Minnesota with an accident the cheapest quotes. The company charges 63% less than average, at $96 per month for minimum coverage.

Company
Monthly rate
State Farm$96
Auto-Owners$113
Travelers$194
Geico$242
Allstate$351
Show All Rows

Teen drivers can expect rates to increase by an average of 49% after they're involved in an at-fault crash.


Cheapest car insurance quotes for married drivers: State Farm

State Farm has the cheapest car insurance quotes for married drivers in Minnesota. At $75 per month for full coverage, a State Farm policy is 42% cheaper than average. However, it doesn't offer a discount for married drivers.

Overall, married drivers pay 7% less for car insurance in Minnesota than unmarried drivers.

Cheapest car insurance in Minnesota for married drivers

Company
Monthly rate per car
State Farm$75
Auto-Owners$115
American Family$115
Geico$134
Travelers$140
Show All Rows

It's common for insurance companies to reduce the cost of coverage for people who are married, because married drivers tend to get into fewer accidents. Geico, Farmers, USAA and Allstate all charge single drivers more than married drivers.


Best car insurance companies in Minnesota

USAA is our pick for the best auto insurance company in Minnesota.

USAA has a reputation for dependable customer service, lots of coverage options and low rates. However, USAA is not available to all drivers — only military members, veterans and some family members can get policies.

State Farm is a great alternative for drivers that aren't eligible for USAA.

Best car insurance in Minnesota

Company
Editor's rating
J.D. Power
AM Best
USAA
881A++
State Farm
842A++
Auto-Owners
837A++
Geico
835A++
American Family
838A
Show All Rows

When shopping for car insurance, it's important to consider both service and cost to ensure you have a good experience if you ever have to file a claim.

Companies with excellent service can help get you back on the road quickly after an accident. On the other hand, poor reviews could mean you'll have to pay more for repairs, or wait longer for your claim settlement.

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Average cost of car insurance in Minnesota by city

Minnesota's most expensive city for insurance is the Twin Cities suburb of Brooklyn Center. The state's cheapest insurance can be found in Albert Lea and Truman.

The average cost of auto insurance in Minnesota is $140 per month for full coverage. However, car insurance quotes vary by up to $59 per month, depending on where you live in the state. Drivers in Albert Lea and Truman pay around $121 per month for insurance, while people living in Brooklyn Center can expect to pay $180 per month.

You'll often find more expensive insurance quotes in larger cities because car theft and accidents are more common in densely populated areas.

City
Average monthly cost
Percent from average
Ada$136-3%
Adams$128-9%
Adolph$1390%
Adrian$127-9%
Afton$1464%
Show All Rows

Minnesota auto insurance requirements

Like most states, Minnesota requires all drivers purchase a minimum amount of bodily injury and property damage liability insurance, which is sometimes expressed as 30/60/10. In addition, Minnesota drivers are required to have uninsured/underinsured motorist coverage and personal injury protection.

Coverage
Limit
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/underinsured motorist coverage$25,000 per person and $50,000 per accident

While these limits are the lowest level of car insurance you need to legally drive, you should consider buying more coverage. A serious accident could require you to pay out-of-pocket expenses if you don't have enough coverage.


Frequently asked questions

What company has the cheapest car insurance in Minnesota?

State Farm has the cheapest quotes for car insurance in Minnesota. Minimum coverage insurance costs $29 per month from State Farm, and a full coverage policy costs around $75 per month.

How much does car insurance cost in Minnesota?

The average cost of minimum coverage car insurance in Minnesota is $57 per month. Full coverage car insurance costs an average of $140 per month.

Is car insurance in Minnesota higher than in the rest of the country?

Car insurance quotes in Minnesota are relatively average, compared to other states. Minnesota ranked as the 31st cheapest state for a minimum coverage policy and the 27th cheapest for full coverage.

How much is car insurance in Minneapolis, MN?

Auto insurance in Minneapolis costs $163 per month for a full coverage policy, on average. That's 16% more expensive than the Minnesota average. In comparison, drivers living in St. Paul pay more for car insurance, at $168 per month.


Methodology

We collected thousands of rates from ZIP codes across Minnesota for the state's largest insurers. Quotes are based on a 30-year-old man with a good credit score who drives a 2015 Honda Civic EX.

Unless otherwise noted, rates are for a full coverage policy with the following limits:

Coverage
Limit
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$40,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

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.

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.