Cheapest Auto Insurance Quotes in Minnesota (2025)
Travelers offers the cheapest insurance in Minnesota, at $106 per month for full coverage.
Find Cheap Auto Insurance Quotes in Minnesota
Best cheap Minnesota car insurance
How we chose the top companies
Best and cheapest car insurance in Minnesota
- Cheapest full coverage: Travelers, $106/mo
- Cheapest minimum liability: State Farm, $40/mo
- Cheapest for young drivers: Travelers, $98/mo
- Cheapest after a ticket: Auto-Owners, $130/mo
- Cheapest after an accident: State Farm, $131/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Auto-Owners, $107/mo
- Cheapest after a DUI: State Farm, $122/mo
- Cheapest for poor credit: American Family, $274/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Auto-Owners offer the best combination of reliable customer service and cheap rates in Minnesota. State Farm offers online quotes, so you can quickly compare rates. To get a quote from Auto-Owners, you'll have to contact a local independent agent.
Travelers has even cheaper rates for some people. However, its customer service isn't as good as State Farm's or Auto-Owners'. That means Travelers may take longer to fix your car after a crash.
Cheapest car insurance in Minnesota: Travelers
Travelers has the cheapest full coverage car insurance in Minnesota.
Full coverage insurance from Travelers costs $106 per month. That's $65 per month cheaper than the state average.
Minnesota drivers should also compare quotes from State Farm, Auto-Owners and American Family.
All three companies have affordable rates, and they have better customer service reviews than Travelers. You'll probably get back on the road faster after an accident if you choose one of these companies.
Find Cheap Auto Insurance Quotes in Minnesota
Best cheap full coverage car insurance in MN
Company | Monthly rate | |
|---|---|---|
| Travelers | $106 |
| State Farm | $125 |
| Auto-Owners | $130 |
| American Family | $138 |
| Geico | $243 |
*USAA is only available to current and former military members and their families.
Cheapest liability car insurance in MN: State Farm
State Farm offers the cheapest car insurance quotes for Minnesota state minimum car insurance insurance.
State Farm charges an average of $45 per month for minimum coverage insurance. That's $23 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 $32 per month.
Cheapest auto insurance quotes in MN
Company | Monthly rate |
|---|---|
| State Farm | $45 |
| Auto-Owners | $46 |
| American Family | $46 |
| Travelers | $48 |
| Geico | $85 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Minnesota
Cheap insurance in MN for young drivers: Travelers
Travelers has the cheapest car insurance for 18-year-old drivers in Minnesota.
A minimum coverage policy from Travelers costs $98 per month for teen drivers, which is less than half the average price in the state. It also has the cheapest full coverage quotes for teens, at $227 per month.
Teen drivers with military ties can also find affordable quotes from USAA. Minimum coverage insurance from USAA costs $72 per month, which is nearly one-third of the state average. However, only military members and their families can buy car insurance from USAA.
Best cheap auto insurance in Minnesota for teens
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $98 | $227 |
| Auto-Owners | $107 | $295 |
| State Farm | $140 | $366 |
| American Family | $171 | $496 |
| Allstate | $242 | $622 |
*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 around three times more expensive than coverage for 30-year-old drivers.
Young drivers can save money sharing a policy with their parents. Sharing a policy can save you around 62% on car insurance costs.
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.
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 $130 per month, a full coverage policy from Auto-Owners is $85 per month cheaper than average.
Affordable MN car insurance after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $130 |
| Travelers | $134 |
| State Farm | $142 |
| American Family | $165 |
| Geico | $314 |
*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 25%. That's a difference of $43 per month for a full coverage policy.
Cheapest auto insurance in MN after an accident: Travelers
Travelers has the cheapest quotes in Minnesota for drivers with an accident on their record. Travelers charges $145 per month for full coverage after a crash. That's $130 per month less than the state average.
Minnesota drivers should also compare quotes from State Farm and Auto-Owners after an accident. Both companies have affordable rates, along with better customer service than Travelers. That could be important if you're in another crash in the future and need to get back on the road quickly.
Best auto insurance in MN after a car crash
Company | Monthly rate |
|---|---|
| Travelers | $145 |
| State Farm | $155 |
| Auto-Owners | $160 |
| American Family | $291 |
| Farmers | $389 |
*USAA is only available to current and former military members and their families.
One at-fault accident can raise full coverage rates by over $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 auto insurance in MN for teens with a ticket or accident: Auto-Owners and Travelers
Auto-Owners has the cheapest car insurance for young drivers with a speeding ticket. A minimum liability policy from Auto-Owners costs $107 per month for a teen with one speeding ticket. That's less than half the Minnesota average.
Travelers has the cheapest rates for teens with an at-fault accident on their records. Minimum coverage insurance from Travelers costs $138 per month, which is less than half the state average.
Young drivers should also compare quotes from Auto-Owners after a crash. Auto-Owners has much better customer service than Travelers, which means it will probably have a faster, easier claims process if you have another accident. That peace of mind could be worth spending the extra $8 per month.
Cheap MN auto insurance for teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $107 | $146 |
| Travelers | $120 | $138 |
| State Farm | $146 | $164 |
| American Family | $184 | $373 |
| Geico | $346 | $391 |
*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 23% more after a speeding ticket, and 85% more after an at-fault accident.
Affordable Minnesota insurance after a DUI: Travelers
Travelers has the cheapest auto quotes for Minnesota drivers with a DUI. The company's average rate of $166 per month for full coverage is less than half the average for drivers with a DUI.
Minnesota drivers with a DUI should also consider State Farm, which costs $177 per month for a full coverage policy. State Farm has some of the best customer service reviews in Minnesota, so you can rest easy knowing you'll be well cared for if you're in a future accident.
Cheapest car insurance in MN after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $166 |
| State Farm | $177 |
| Auto-Owners | $231 |
| American Family | $254 |
| Farmers | $394 |
*USAA is only available to current and former military members and their families.
Car insurance in Minnesota after a DUI is twice as expensive as the cost for drivers with a clean record.
Cheapest quotes in MN for drivers with poor credit: American Family
American Family has the cheapest quotes for Minnesota drivers with poor credit. A full coverage policy from American Family costs $274 per month, which is $136 per month less than the state average.
Company | Monthly rate |
|---|---|
| American Family | $274 |
| Travelers | $299 |
| Geico | $347 |
| Auto-Owners | $405 |
| Farmers | $495 |
*USAA is only available to current and former military members and their families.
In Minnesota, drivers with poor credit pay 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.
Best car insurance in MN
USAA is the best-rated 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 and Auto-Owners are great alternatives for drivers that aren't eligible for USAA.
Top auto insurance companies in MN
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Auto-Owners | 654 | A++ | |
| Geico | 637 | A++ | |
| American Family | 660 | A |
Average car insurance cost in Minnesota by city
Minnesota's most expensive city for insurance is the Twin Cities suburb of Brooklyn Center.
Drivers in Brooklyn Center pay an average of $215 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.
Truman, a small city near the Iowa border, has the state's cheapest insurance, at $141 per month.
Minnesota auto insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Ada | $161 | -2% |
| Adams | $151 | -8% |
| Adolph | $163 | 0% |
| Adrian | $147 | -10% |
| Afton | $173 | 5% |
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 must 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
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 pays for damage to your own car. 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 eight years old or worth more than $5,000.
Additionally, full coverage usually includes higher liability limits than the state requirement. This is important because 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
What is the cheapest car insurance company in Minnesota?
Travelers has the cheapest full coverage car insurance quotes in Minnesota, at $106 per month. State Farm has the cheapest minimum liability coverage, at just $45 per month.
How much is car insurance per month in Minnesota?
The average cost of full coverage car insurance in Minnesota is $171 per month. Minimum liability coverage costs an average of $68 per month.
How much is auto insurance in Minneapolis, MN?
Car insurance in Minneapolis costs $196 per month for a full coverage policy, on average. That's $25 per month more expensive than the Minnesota average. In comparison, auto insurance in St. Paul costs slightly less for car insurance, at $190 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 2015 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
- $25,000 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
- $25,000 of uninsured motorist coverage for property damage
- 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.
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.