As the locals say, there are two seasons in Minnesota: winter and road construction. Minnesota is home to 10,000 lakes, the twin cities, and some notoriously kind people. With over seven million registered vehicles on the roads of the North Star State, it’s essential to have an auto insurance policy that best fits you and your lifestyle.
Where should Minnesota drivers start when they’re shopping for car insurance quotes? It seems as though every auto insurance company claims to have the lowest premiums or best coverage, but how do you cut through the noise and decide which provider is the right fit? It all starts with knowing your options, finding all car insurance discounts you’re eligible for, and selecting the best policy for you. Compare the cheapest and best quotes in Minnesota here.
Cheapest Car Insurance in Minnesota
Here are the cheapest insurance companies in Minnesota for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates the twenty most populous cities in Minnesota to calculate the cheapest rates in Minnesota.
Best Car Insurance in Minnesota
Every insurance company is going to say they’re the right fit for you. But even if one boasts about having the lowest costs or most coverage perks, which provider is truly on top?
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Minnesota. For the complete list, see Insurify’s best car insurance companies.
Insurance Company Composite Score Quotes
American Family 88 $157/month
Allstate 86 $115/month
Nationwide 84 $130/month
State Farm 83 $103/month
Travelers 81 $123/month
Liberty Mutual 80 $141/month
Progressive 78 $55/month
Most Popular Car Insurance Companies in Minnesota
The American car insurance market is led by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Minnesota by market share:
Cheapest Car Insurance Quotes in Minnesota by City
Auto insurance costs may vary greatly depending on the policyholder’s location and each insurance company’s regulations. Just because one company offers the best rates in Minneapolis doesn’t mean they’ll do the same in St. Paul.
Insurify analyzed the latest data for five of the most populous cities in Minnesota to find you the cheapest quotes in each of these metropolitan areas.
Cheapest Car Insurance Quotes in Minnesota by Profile
Here are the cheapest insurance companies in Minnesota based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
USAA will almost always offer Minnesota residents the cheapest auto insurance options but is only available to retired or current personnel of the U.S. military and their family members.
Cheap Car Insurance for Good Drivers
For Minnesota drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Minnesota, at $55 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Minnesota, including those with one or more traffic violations, may have to pay more for their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. Western National offers the best deal for drivers with a DUI or at-fault accidents at $42/month. For car owners with a history of speeding, North Star offers the lowest premiums at about $41/month. Average rates for high-risk drivers tend to be higher than other drivers.
Cheap Car Insurance for Drivers with DUI in Minnesota
Everybody makes mistakes, but if you’re convicted of a DUI in the state of Minnesota, the fallout can be costly. From court fines to reinstatement fees, SR-22 filings, and years of increased car insurance premiums, DUIs have major repercussions. Here are the best rates we could find for Minnesota drivers with a DUI:
Finding affordable rates on car insurance with a DUI can be challenging, but it isn’t impossible. You should consider using an insurance quote comparison website like Insurify to help you find the lowest quote from the best company!
Cheap Car Insurance for Drivers with an At-Fault Accident in Minnesota
Even the slightest fender-bender can cause some serious wallet aches. If you’ve been found at-fault after a car accident, your auto insurance premiums can rise significantly. If you’ve opted into accident forgiveness, you may have caught a break. But if you haven’t, finding the right discounts may save your budget.
If you have an at-fault accident on your driving record, it’s important to shop for a new policy every time you have a chance to renew. Insurance companies look at different time windows of driving history. For example, one company might look at the last five years while another looks at the last three.
Here are the best rates we could find for drivers with one at-fault accident:
Cheap Car Insurance for Speeding Drivers in Minnesota
Getting to your destination a few minutes ahead of schedule may not be worth the years of increased insurance premiums that will result from a speeding ticket. The more demerits a driver has on their driving record, the more they may get on their driver’s license, too. More points means higher premiums.
To recover from the effect of speeding tickets on your driving record, search for discount programs you may be eligible for, or a defensive driving course.
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Minnesota, you will likely pay more for auto insurance coverage than the average driver. Inexperienced drivers often pose a higher risk for insurance providers, so their rates are often increased accordingly.. x Insurance offers the cheapest car insurance rates for young drivers, averaging $x a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Cheap Car Insurance for Foreign Drivers
To legally drive in Minnesota as a non-U.S. citizen, you’ll need to make sure you have a few necessary items.
First and foremost, foreign drivers must hold a valid driver’s license from their home country. You’ll also need an International Driving Permit, or IDP. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.
In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Minnesota. For long-term driving in the United States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options that are personalized to you, use Insurify to compare quotes.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Minnesota if you have a poor credit score.
Minnesota car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit.
Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing insurance premiums for bad credit drivers to account for the increased risk. Car insurance premiums fluctuate based on many factors, not just credit score, depending on where you live in Minnesota. Good credit can save you a whole lot of cash in the long run.
Minnesota Auto Insurance Laws
Every state has unique auto insurance requirements. Make sure your policy meets the state-mandated mandatory minimums by reviewing Minnesota’s requirements here.
State Minimum Coverage Requirements in Minnesota
All motor vehicles operated or parked on Minnesota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Minnesota are as follows:
- $30,000 per person/$60,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Minnesota state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Minnesota law.
- $10,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Minnesota is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in Minnesota. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Minnesota, the legally required level of Uninsured Motorist coverage is:
- $25,000 per person/$50,000 per accident for Bodily Injury
Personal Injury Protection covers the costs of medical bills resulting from a car accident. If you are injured in a car accident, Personal Injury Protection (PIP) pays for contributes towards medical expenses and other related costs. In Minnesota, PIP Coverage can help with medical expenses from injuries suffered in an auto accident, lost wages due to missed time at work, and replacement services to assist in domestic work you could have done on your own before you were injured. In Minnesota, PIP coverage is mandatory unless explicitly declined in a waiver.
- $20,000 Medical Expense per person
- 20,000 Economic Loss per person
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pay for repairs to your car when it’s involved in an accident or stolen. Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Work Loss Coverage provides individuals and families funding if they are unable to work after an accident due to injury. Work Loss Coverage may be used in conjunction with Short Term Disability coverage.
Accidental Death Benefits provide monetary compensation to the family of a deceased driver or passenger due to a car accident, up to $25,000.
Medical Payments, or simply Med Pay, covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, Med Pay can help ease the stress of high medical bills after a hospital visit.
Am I liable if I cause a car accident in Minnesota?
Minnesota abides by a “no-fault” auto insurance system, meaning if a driver is injured in a car accident, their own car insurance coverage will help cover their medical bills and lost earnings, regardless of fault.
No-fault car insurance laws require drivers to file claims through compulsory Personal Injury Protection (PIP) coverage. Damages collected from PIP claims may go towards medical expenses as a result of injuries from an accident, lost wages due to time away from work, substitute services if domestic help is needed, and funeral expenses.
AAA Car Insurance and Roadside Assistance In Minnesota
Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on the American Automobile Association (AAA) for roadside assistance. But did you know that AAA also offers automobile insurance for Minnesota drivers?
Divided into regional clubs, AAA insurance and roadside assistance operate throughout Minnesota. To find out which independent agents operate AAA insurance in your region, visit AAA’s website and search using your ZIP code.
Distracted Driving in Minnesota
Drivers are banned from using handheld devices while operating motor vehicles throughout Minnesota, even at a red light or stop sign,
Drivers are prohibited from holding, reading, writing, scrolling, or looking at their cell phones while behind the wheel. The first offense for distracted driving will result in a $120 fine. Subsequent offenses will cost drivers a $300 ticket, plus court fees and potential license suspension.
SR-22 Insurance in Minnesota
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Minnesota on your behalf. Minnesota‘s state licensing authority will inform drivers if they require SR-22 insurance. If you’ve been convicted of a DUI, DWI, moving violation, or other serious offense, you may be required to file for an SR-22.
In Minnesota, many insurance companies offer to file an SR-22 on your behalf, including Dairyland, Esurance, Farmers, Foremost, GEICO, Grange, Grinnell, Mendota, National General, North Star, Progressive, Safeco, Stillwater, The General, Victoria, and West Bend Mutual.
Minnesota Auto Insurance FAQs
Do I need a driver’s license to insure a car in Minnesota?
If you own a car without holding a driver’s license in Minnesota, that shouldn’t prevent you from insuring your vehicle. Without a driver’s license, though, insurers will likely price insurance premiums much higher than average.
Can I stay on my parents’ car insurance policy as a young adult?
As long as you reside at the same address as your parents and drive a vehicle listed on their auto insurance policy, there is no age limit to stay on their policy. Bundling with your parents may save you a lot on your monthly premiums.
Who has the cheapest car insurance in Minnesota?
The best way to get the cheapest car insurance in Minnesota and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
It Pays to Go Green in Minnesota
The state of Minnesota offers many green driver incentives including emissions test exemptions, tax breaks, and insurance discounts.
Federal income tax credits, Minnesota excise tax credits, equipment repair rebates, and special electricity rates may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, or alternative fuel vehicles.
If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle—it’s good for both your wallet and the planet in the long run.
Minnesota Driver Services Information
The Division of the Minnesota Department of Public Safety’s Driver and Vehicle Services has outposts around the state which operate from 8:30 AM to 4 PM, with some special morning and evening hours.
At the Driver and Vehicle Services Centers, Minnesota residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.
Regardless of where you live in Minnesota, a Driver Services Center shouldn’t be too far. Minnesota residents may be able to skip their visit altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Minnesota Department of Insurance while visiting their local Driver Services location.
Minnesota drivers can save big on their car insurance policies.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. Minnesota drivers deserve to find the cheapest car insurance available.
Compare Minnesota car insurance companies today on Insurify.
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