7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Minnesota drivers pay, on average, $179 per month for car insurance — 29% more than the national average. Multiple factors contribute to the Star of the North’s higher insurance costs, including its severe winters, risky driving behaviors like speeding and not wearing seat belts, and the state’s no-fault insurance system.
Still, Minnesota drivers can find affordable car insurance from companies like State Farm, USAA, and Auto-Owners. And many of the top insurers operating in Minnesota offer discounts and other ways to lower your car insurance costs.
Quick Facts
Minnesota drivers pay $222 on average for full-coverage car insurance and $137 for liability-only policies.
Speeding, not using seat belts, and drunk or distracted driving were top factors in Minnesota traffic fatalities in 2021, according to the Minnesota Department of Public Safety.[1]
Car insurance costs in nearby North Dakota are more affordable, with an average of $152 per month.
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Best car insurance companies in Minnesota
Each driver in Minnesota has a unique situation that leads to their specific car insurance rates.
As you consider your car insurance options, it’s helpful to shop around. If you don’t compare quotes from multiple insurance companies, it’s easy to accidentally overpay. Below is a breakdown of some of the best insurance companies in Minnesota to accelerate your search.
Best insurer for liability-only coverage: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$54/mo
State Farm offers Minnesota drivers some of the cheapest rates available, based on Insurify data. The company earned above-average customer satisfaction ratings for the Central region in J.D. Power’s 2023 U.S. Auto Insurance Study. With this insurance company, you can expect to find many discount opportunities and quality coverage.
Pros
Many available discounts
Above-average J.D. Power customer satisfaction rating in the Central region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
821
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$62/mo
Auto-Owners offers some of the most affordable full-coverage car insurance options for Minnesota drivers. The company earned an above-average customer satisfaction rating for the Central region in J.D. Power’s 2023 U.S. Auto Insurance Study. A long list of discount options might also make this insurer a good fit for your wallet.
Pros
Above-average J.D. Power customer satisfaction rating in Central region
Many available discounts
Cons
Must finalize quote through an agent
Not available in every state
I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.
Dean - April 26, 2019
Verified
Good customer service
Debora - February 12, 2019
Verified
Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo
USAA offers affordable car insurance options. The catch is that membership is only available to military members, veterans, and their families. In addition to cheap car insurance, the company offers a range of discounts. USAA earned an A.M. Best financial strength rating of A++ (Superior), which is the highest possible rating.
Pros
Highest possible financial strength rating from A.M. Best
Also offers investment and banking products
Cons
Customer service not available on Sundays
Must meet military-related eligibility requirements
The representative was very helpful and caring. I felt valued.
Tawana - January 17, 2023
Verified
I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.
Cheapest liability-only car insurance in Minnesota
Liability-only car insurance protects your wallet from the fallout of property damage and bodily injury liability. After you cause an accident, liability-only car insurance helps cover the cost of repairing the other person’s vehicle and their medical bills.[2]
This more limited insurance coverage often comes with the most affordable price tag. But liability coverage won’t help you pay for your own vehicle repair costs or medical expenses.
Below is a breakdown of average liability insurance costs by car insurance company in Minnesota:
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Minnesota
Full-coverage car insurance comes with more robust protection for your wallet. In addition to liability coverage, it includes both comprehensive and collision coverage. After an accident, collision coverage can help you get back on the road with vehicle repairs or a replacement vehicle. Comprehensive insurance covers other incidents, like a tree falling on your car or a natural disaster.
Drivers with an auto loan or lease might be required to carry full coverage. But even if you don’t have to carry this coverage, it might offer the right amount of protection for your wallet.
Explore the average Minnesota full-coverage rates by insurance company below:
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Minnesota
Minnesota is a no-fault state, meaning if you get into an accident, your insurance company will cover your costs, no matter who’s at fault for the crash. States with no-fault insurance systems can have higher insurance rates than those with at-fault systems, since no-fault states typically require additional types of coverage besides just liability.
Below is a breakdown of Minnesota’s minimum-coverage requirements:[3]
Bodily injury liability
$30,000 per person
$60,000 per accident
Property damage liability
$10,000 per accident
Personal injury protection (PIP)
$40,000 per person per accident
Uninsured/underinsured motorist coverage
$25,000 per person
$50,000 per accident
Depending on your situation, you might choose to purchase more than the minimum liability requirements. Here are some other coverage options to consider:
Collision coverage
This pays for repairs and replacement costs to your vehicle after an accident.
Comprehensive coverage
After an unexpected event, like a tree falling on your car, this insurance can help you repair or replace your vehicle.
Cheapest car insurance for drivers with an incident
“When drivers have incidents on their record, they have a greater probability of filing insurance claims, leading to premium rate adjustments,” says Marianne Evans, vice president of claims at Hoffman Brown Company. “Incidents can result in additional expenses, such as repair costs, medical bills, or legal fees, which prompt insurance companies to modify their rates accordingly,” Evans cautions.
Ultimately, Minnesota drivers with a moving violation should expect to pay more for car insurance than a driver with a clean record.
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Cheapest car insurance for drivers with a speeding ticket
The up-front fee tied to a speeding ticket is only the beginning of the costs. When you have a speeding ticket on your driving record, you’ll usually pay more for car insurance than drivers with a clean record.
Speed was a factor in 171 fatalities in Minnesota in 2021, according to the department of public safety.
Take a look at the cheapest average monthly quotes for drivers with a speeding ticket in Minnesota.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
No one wants to get into a car accident. Beyond the stress that comes with an accident, drivers typically face higher insurance premiums after an at-fault accident. The reason is that insurance companies might consider you a high-risk driver.
Here are the average monthly rates for drivers in Minnesota with an at-fault auto accident:
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
A DUI is one of the most serious moving violations. With the extreme nature of this violation, drivers with a DUI pay more for car insurance than drivers with a clean record. And if you’ve been convicted of a DUI, some insurance companies might deny you altogether. But it’s still possible to find insurance coverage.
Explore the average monthly rates for drivers with a DUI in Minnesota below:
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
When determining premiums, insurance companies often take your age into account. In general, drivers start to see falling auto insurance rates between the ages of 25 and 35. The downward trend continues for decades. But around age 75, senior drivers often see a slight uptick in their rates.
Check out the table below to see which insurance companies offer the lowest monthly rates to senior drivers in Minnesota:
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Young drivers’ lack of experience behind the wheel typically leads to higher auto insurance premiums for teen drivers.
While it’s impossible to change your age, you can tap into lower car insurance premiums as a teen driver. Some savings strategies include getting good grades, raising your deductible, and sticking with your parents’ insurance policy.[5]
Start your search by exploring the average monthly rates for teen drivers in Minnesota below:
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Minnesota
While Drivers in the Land of 10,000 Lakes can’t skip car insurance, that doesn’t mean you have to overpay for this necessary expense. A few savings strategies include:[6]
Ask for a discount. Most insurance companies offer some discounts that can potentially lower your rates. Ask your insurance agent what discounts you might be eligible for.
Raise your deductible. Opting for a higher deductible usually leads to lower insurance premiums. But this is only a good option if you can afford a higher deductible if you need to file a claim.
Compare quotes. Shopping around to get quotes from multiple insurance companies can help you lock in the best rates. Since your situation can change over time, it’s a good idea to compare quotes at least once a year.
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Minnesota car insurance quotes by credit tier
Minnesota insurance companies can look at your credit history when determining insurance premiums. Drivers with excellent or good credit scores generally pay less than drivers with poor credit scores.
If you want to boost your credit score in pursuit of lower insurance premiums, consider making on-time payments a priority and removing any mistakes from your credit report.
Below is a breakdown of average insurance costs in Minnesota by credit tier:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Minnesota car insurance FAQs
If you’re shopping for car insurance in the North Star State, this additional information may help as you compare coverage options. You can also check out Insurify’s guide on how to shop for car insurance.
How much is car insurance in Minnesota?
Car insurance in Minnesota costs $222 per month for full coverage and $137 per month for liability-only coverage, according to Insurify data.
What are the best car insurance companies in Minnesota?
With an above-average J.D. Power customer satisfaction rating, A.M. Best financial strength rating of A++ (Superior), and an IQ Score of 4.4 out of 5, State Farm is the best car insurance company in Minnesota. Other top insurers include Auto-Owners and USAA.
Is it illegal to drive without insurance in Minnesota?
Yes. It’s illegal to drive without insurance in Minnesota. If you’re caught driving without the state-minimum required insurance, you could face fines of up to $1,000, up to 90 days in jail, and suspension of your license and registration.
Does insurance follow the car or the driver in Minnesota?
In most cases, car insurance will follow the car instead of the driver in Minnesota. This holds true for liability coverage, personal injury protection (PIP), and uninsured motorist coverage. This means that even if you’re not at fault for an accident, you must use your own insurance policy before being paid by the at-fault driver’s insurer.
Insurify Insights
How Minnesota Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Minnesota below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Minnesota drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Minnesota
#18
State with the Most Speeding Tickets Rank
#22
State with the Moving Violations Rank
#7
State with the Most DUIs Rank
#13
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Minnesota is the #37 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #37
Percent of drivers in Minnesota with an accident: 7.7%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minnesota is the #7 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #7
Percent of drivers in Minnesota with a DUI: 2.3%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Minnesota is the #34 state in the country for drivers with a reckless driving offense on record.
Rank among states: #34
Percent of drivers in Minnesota with a reckless driving offense: 1.1%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Minnesota is the #33 state in the country for drivers with a rude driving violation on record.
Rank among states: #33
Percent of drivers in Minnesota with a rude driving violation: 1.3%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Minnesota is the #18 state in the country for drivers with a speeding ticket on record.
Rank among states: #18
Percent of drivers in Minnesota with a speeding ticket: 9.6%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Minnesota is the #22 state in the country for drivers with a failure to yield violation on record.
Rank among states: #22
Percent of drivers in Minnesota with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State Farm
Auto-Owners
USAA
