Who Has the Cheapest Auto Insurance Quotes in Minnesota? (2022)

Who Has the Cheapest Auto Insurance Quotes in Minnesota? (2022)

State Farm offers the cheapest car insurance quotes in Minnesota, with an average rate of $460 per year for a liability-only policy.

Currently insured?
It's free, simple and secure.
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#cheapest-companies","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"Best overall company","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#best","linkText":"Best overall company"}

Car insurance quotes in Minnesota from different companies can vary by thousands of dollars for the same policy. For the best car insurance rates, compare quotes from multiple companies near you.

Cheapest car insurance quotes in Minnesota: State Farm

State Farm offers the cheapest car insurance rates for minimum coverage auto insurance for most Minnesota drivers. On average, State Farm charges $460 per year for coverage, 36% cheaper than the statewide average. Drivers can also find affordable coverage from American Family, Geico and Auto-Owners — though the average cost of coverage from these companies is $179 per year more expensive than State Farm's quotes.

Cheapest car insurance companies in Minnesota
Currently insured?
It's free, simple and secure.
Company
Annual rate
Monthly rate
State Farm$460$38
Auto-Owners$561$47
American Family$610$51
Geico$744$62
Allstate$1,027$86
Farmers$1,277$106
USAA*$369$31

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

The average cost of car insurance in Minnesota is $721 per year, or $60 per month, for minimum liability policies.

Minnesota drivers can also find cheap car insurance from USAA, which is only available to active and retired military members and their families. USAA has the most affordable quotes in the state, with an average rate of $369 per year for minimum coverage.

Minimum coverage car insurance policies only meet Minnesota state law's minimum requirements. Liability only coverage doesn't include comprehensive and collision coverage, unlike a full coverage policy. And while minimum coverage is much cheaper than full coverage, low coverage may mean you won't be able to fully pay for the damage after a car accident.

Cheapest full coverage car insurance in Minnesota: State Farm

State Farm offers the cheapest full coverage auto insurance in Minnesota. The insurer's quote of $1,105 per year is 38% more affordable than the state average.

Drivers may also find cheap full coverage rates from Auto-Owners and American Family. The average cost of coverage from these two insurers is $1,538 per year, which is $241 cheaper than the statewide average.

The average cost of full coverage car insurance in Minnesota is $1,779 per year, or $148 per month, though you could find more affordable rates by comparing quotes.

Company
Annual rate
Monthly rate
State Farm$1,105$92
Auto-Owners$1,527$127
American Family$1,548$129
Geico$1,982$165
Farmers$2,573$214
Allstate$2,661$222
USAA*$1,054$88

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

Cheap car insurance for drivers with prior incidents

In Minnesota, State Farm is your best bet for low rates after a driving incident or if you have bad credit.

If you have incidents such as an at-fault crash, a speeding ticket or a DUI on your driving record, your car insurance rates will likely see a notable increase. That means it's even more important to check with multiple insurers to find the most affordable options for you.

State Farm logo

Cheapest car insurance quotes after a speeding ticket: State Farm

State Farm offers the most affordable car insurance for drivers with a speeding ticket. The insurer's rate is $1,196 per year for full coverage, or 45% cheaper than average. Receiving a speeding ticket will raise your car insurance rates by an average of 23% — though not as much as being involved in an accident.

Company
Annual rate
Monthly rate
State Farm$1,196$100
Auto-Owners$1,527$127
American Family$1,852$154
Geico$2,433$203
Farmers$3,222$269
Allstate$3,814$318
USAA*$1,250$104

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

State Farm logo

Cheapest car insurance after an accident: State Farm

State Farm offers the lowest rates we found for drivers with an accident on their driving record. The insurer charges 54% less for coverage than the statewide average, with an average of $1,288 per year for full coverage.

Having one at-fault crash on your record can cause significantly higher insurance rates. After an accident, the average cost of coverage in Minnesota increases by $1,036 per year, on average.

Company
Annual rate
Monthly rate
State Farm$1,288$107
Auto-Owners$1,894$158
American Family$3,262$272
Geico$3,664$305
Farmers$3,872$323
Allstate$4,290$357
USAA*$1,431$119

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

State Farm logo

Cheapest car insurance quotes with a DUI: State Farm

Minnesota drivers with a DUI can find the cheapest auto coverage from State Farm. State Farm's average annual rate of $2,243 for full coverage is 36% cheaper than average for drivers with a past DUI.

The cost of car insurance in Minnesota after a DUI is 96% more expensive than the cost for drivers with a clean record.

Company
Annual rate
Monthly rate
State Farm$2,243$187
Auto-Owners$2,735$228
American Family$2,839$237
Farmers$3,924$327
Allstate$4,617$385
Geico$6,040$503
USAA*$1,959$163

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

State Farm logo

Cheapest car insurance for drivers with poor credit: State Farm

Minnesota drivers with poor credit can find the cheapest coverage from State Farm. The company's rate is $2,054 per year for full coverage, 35% less than the state average.

It's common for insurers to raise the car insurance rates for drivers with poor credit because it could indicate they are more likely to file claims. In Minnesota, this means a 43% increase in rates per year for drivers with poor credit.

Company
Annual rate
Monthly rate
State Farm$2,054$171
Geico$2,433$203
American Family$2,801$233
Auto-Owners$3,209$267
Allstate$4,603$384
Farmers$4,749$396
USAA*$2,281$190

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

Cheapest car insurance quotes for married drivers: State Farm

State Farm has the cheapest car insurance quotes for married drivers in Minnesota, charging $1,105 per year for full coverage, although it doesn't offer a discount for married drivers. Overall, married drivers pay 8% less than average in the state.

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

Company
Annual rate
Monthly rate
State Farm$1,105$92
Auto-Owners$1,527$127
American Family$1,548$129
Geico$1,875$156
Farmers$2,111$176
Allstate$2,356$196
USAA*$923$77

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

Cheapest car insurance for young drivers: State Farm

In Minnesota, State Farm offers the cheapest car insurance for 18-year-old drivers for both minimum coverage and full coverage. The company's minimum policies cost $1,086 per year, which is less than half the average price in the state.

In Minnesota, the average cost of liability-only car insurance for 18-year-old drivers is $2,280 per year, more than three times the price for 30-year-old drivers.

Auto-Owners and Allstate also have cheap quotes less than $2,000 per year for teen drivers with a minimum coverage policy.

Company
Liability only
Full coverage
State Farm$1,086$2,478
Auto-Owners$1,399$3,575
Allstate$1,909$6,600
American Family$2,254$5,568
Geico$2,564$6,537
Farmers$5,912$9,138
USAA*$838$2,314

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

State Farm logo

Cheapest car insurance for young drivers after a ticket: State Farm

Young drivers with a speeding ticket can also find cheap car insurance from State Farm. The insurer's rate for these drivers, $1,205 per year for minimum coverage, is less than half the state average.

Company
Annual rate
Monthly rate
State Farm$1,205$100
Auto-Owners$1,399$117
American Family$2,425$202
Geico$2,698$225
Allstate$2,934$245
Farmers$7,533$628
USAA*$956$80

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

State Farm logo

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

Young drivers with an accident can find the cheapest rates from State Farm, which charges 55% less than average, at $1,325 per year for minimum coverage. Expect rates to increase by an average of 45% for young drivers after they're involved in an at-fault crash.

Company
Annual rate
Monthly rate
State Farm$1,325$110
Auto-Owners$1,922$160
Geico$3,057$255
Allstate$3,374$281
American Family$4,733$394
Farmers$7,773$648
USAA*$1,004$84

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

Best car insurance companies in Minnesota

USAA and State Farm are our top recommendations for the best auto insurance companies in Minnesota, based on their customer service, policy offerings and low rates. We also factor in J.D. Power's Auto Insurance Claims Satisfaction Survey and AM Best's financial stability grades.

However, USAA is not available to all drivers, as only military service members, veterans and some family members can get policies. Auto-Owners is also a good car insurance company in Minnesota, with low rates and personalized customer service. When shopping for car insurance, it's important to consider both service and cost to ensure the best experience if you ever have to file a claim.

Company
Editor's rating
J.D. Power
AM Best
State Farm
847A++
Auto-Owners
845A++
Geico
845A++
American Family
839A
Farmers
848A
Allstate
826A+
USAA*
897A++

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

Minnesota auto insurance requirements

Minnesota requires minimum auto insurance coverage for all drivers:

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

Average cost of car insurance in Minnesota by city

Minnesota's most expensive city for insurance is Twin Cities suburb Brooklyn Center, at $2,238 per year. The state's cheapest insurance can be found for $1,526 in Albert Lea.

We found that the average cost of auto insurance in Minnesota is $1,779 per year to insure your car with full coverage. 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 annual cost
Percent from average
Ada$1,710-4%
Adams$1,623-9%
Adolph$1,763-1%
Adrian$1,623-9%
Afton$1,8816%
Show All Rows

Recap of the cheapest auto insurance in Minnesota

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After an at-fault accident: State Farm
  • After a speeding ticket: State Farm
  • After a DUI: State Farm
  • Poor credit history: State Farm
  • Married drivers: State Farm
  • Young drivers: State Farm
  • Young drivers after a ticket: State Farm
  • Young drivers after an accident: State Farm

Frequently asked questions

What company has the cheapest car insurance in Minnesota?

State Farm has the lowest prices for car insurance in Minnesota, with an average rate of $460 per year for state minimum coverage.

How much does car insurance cost in Minnesota?

The average cost of minimum coverage car insurance in Minnesota is $721 per year, or $60 per month. Full coverage car insurance costs an average of $1,779 per year, or $148 per month.

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

Minnesota has relatively expensive car insurance, ranking as the 19th most expensive state for a minimum coverage policy, at $721 per year on average. One of the reasons car insurance is expensive is that Minnesota drivers are required to have personal injury protection (PIP).

Methodology

We collected thousands of rates from ZIP codes across Minnesota for the state's largest insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full coverage policy with the following limits:

Coverage type
Study limits
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

For our minimum coverage policy, we collected quotes for a policy with the minimum required limits in Minnesota.

For other rates analyses (credit score, accident history and marital status), the base policy was changed to reflect the new driver. Rates for young drivers are for minimum coverage policies.

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.