Cheapest Auto Insurance in Minnesota (2024)

Safeco has the cheapest car insurance in Minnesota, with liability-only rates starting at $59 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 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.

Featured in

media logomedia logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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.

Featured in

media logomedia logomedia logomedia logo
Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Updated June 20, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in Minnesota

Recent Minnesota car insurance prices for Dodge, Chevrolet, GMC , and more.

*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Minnesota drivers pay $155 per month for car insurance, compared to the national average of $160. 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 Safeco, National General, and Midvale Home & Auto. Many of the top insurers in Minnesota offer discounts and other ways to lower your car insurance costs.

Quick Facts
  • Minnesota drivers pay $207 on average for full-coverage car insurance and $104 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 $126 per month.

Find Cheap Car Insurance in Minnesota

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest 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.

Insurance CompanyIQ Score
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.
Full CoverageLiability OnlyBest for
Safeco8.3$115$59Liability-only coverage
Nationwide8.7$94N/AFull coverage
Liberty Mutual7.7$188$88Discounts

Best insurer for liability-only coverage: Safeco

Compare personalized, real-time quotes
IQ Score
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.
8.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
808
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
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.
$115/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Read our Safeco review
Thomas - June 17, 2024
Verified

Sham of a Company

They sent me paperwork to fill out, then two days after I received it, I got another letter telling me that I took too long to send it back. As a result, they refused to renew my policy.

Kenneth - June 17, 2024
Verified

Be Sure to Shop Around

They are expensive. They assume you're too lazy to shop around and will automatically renew like most people do.

Charles - June 17, 2024
Verified

Poor

The rates are too high.

Best insurer for full coverage: Nationwide

Compare personalized, real-time quotes
IQ Score
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.
8.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
800
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$85/mo
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.
$186/mo

In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Read our Nationwide review
Anthony - June 17, 2024
Verified

Expensive

I don't have anything bad to say other than they have become very expensive.

Charles - June 17, 2024
Verified

More than Twice the Price!

I have been a Nationwide client for my cars, boats, and homes since 1973. Recently, I received a notice that the company is dropping us this fall for no apparent reason; no claims, always paid on time, 5-year-old metal roof, etc. Upset, I decided to drop my other policies as well. I was shocked to discover that for the exact same coverage, Nationwide has been charging us more than double! Despite their great service, and despite having recommended them to many other people, I obviously switched to Progressive. It seems that loyalty means nothing to Nationwide!

Nikolai - June 15, 2024
Verified

Pricing

It's all good, but too expensive now!

Best insurer for drivers with a military connection: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
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.
7.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$88/mo
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.
$188/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read our Liberty Mutual review
Ariana - June 20, 2024
Verified

Worst

This is the worst insurance and the worst handlers I have ever had! They lied and added things to my insurance that I never wanted because I asked for a quote. When I never had an accident, they gave money to another party without informing me or anything.

William - June 19, 2024
Verified

Already switched to my new insurance

My auto insurance increased by over $300 and I couldn't speak to a representative to find out why. Additionally, when I tried to review my renters' insurance coverage, they asked me to complete a survey about the construction of my apartment building, which I'm not qualified to answer!

Carmen - June 18, 2024
Verified

They didn't handle my accident very well. The other party was at fault, and the only payout was a deductible reimbursement.

They didn't handle my accident very well. The other party was at fault, and the only payout was a deductible reimbursement.

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:[1]

  • 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.

Cheapest liability-only car insurance in Minnesota: Safeco

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. The cheapest insurer for liability-only car insurance in Minnesota is Safeco, with an average cost of $59 per month.

Below is a breakdown of average liability insurance costs by car insurance company in Minnesota:

Cheapest insurers for liability-only

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.

Cheapest full-coverage car insurance in Minnesota: Safeco

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. Safeco provides the cheapest full-coverage insurance in Minnesota, with monthly rates averaging $115.

Explore the average Minnesota full-coverage rates by insurance company below:

10 cheapest insurers for full coverage

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.

Cheapest recent rates in Minnesota

Recent Minnesota car insurance prices for Dodge, KIA, Ford , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. 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]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $30,000 per person

    • $60,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    • $10,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP)

    • $40,000 per person per accident

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This pays for repairs and replacement costs to your vehicle after an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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

Driving-related incidents — like speeding tickets, DUIs, and at-fault accidents — can have a big effect on your car insurance costs.[4]

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.

Shop for Car Insurance in Minnesota

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket: Safeco

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. Minnesota drivers with a speeding ticket pay an average of $153 per month for liability-only insurance.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco$154$79
Midvale Home & Auto$176$114
Progressive$190$117
National General$190$93
Direct Auto$244$123
Liberty Mutual$273$128
Bristol West$369$169
The General$493$228
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: Safeco 

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.

If you live in Minnesota and have an accident on your driving record, you’ll pay about $157 per month for liability-only coverage.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco$154$79
Midvale Home & Auto$188$121
Progressive$200$123
National General$200$98
Direct Auto$258$131
Liberty Mutual$282$132
Bristol West$381$175
The General$517$240
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: Safeco

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.

Drivers in Minnesota who have been convicted of a DUI may pay around $178 for a liability policy and $353 for a full-coverage policy.

Explore the average monthly rates for drivers with a DUI in Minnesota below:

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco$195$100
Midvale Home & Auto$219$141
Progressive$243$149
National General$246$120
Direct Auto$312$158
Liberty Mutual$319$149
Bristol West$477$219
The General$626$290
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: Safeco

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.

Senior drivers in Minnesota pay an average of $140 per month for full coverage.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Progressive$58$36
Midvale Home & Auto$62$40
Safeco$64$33
National General$79$39
Direct Auto$94$47
Liberty Mutual$97$45
Bristol West$151$69
The General$211$98
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.
Learn More: What Are the Best Cars for Senior Drivers?

Learn More: What Are the Best Cars for Senior Drivers?

Cheapest car insurance for teens: Safeco

Young drivers’ lack of experience behind the wheel typically leads to higher auto insurance premiums for teen drivers. A liability-only policy costs teen drivers in Minnesota $192 per month, on average. Full-coverage insurance for teens is even more expensive, with rates averaging $382 per month.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Midvale Home & Auto$226$145
Safeco$242$124
Progressive$262$161
National General$281$138
Direct Auto$340$172
Liberty Mutual$352$165
Bristol West$486$223
The General$606$281
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.

Find Car Insurance in Minnesota

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $207 per month for full coverage and $104 per month for liability-only coverage, according to Insurify data.

  • Who has the cheapest car insurance in Minnesota?

    Safeco, National General, and Midvale Home & Auto have the cheapest car insurance in Minnesota. Their monthly liability-only rates average $59, $71, and $83, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and coverage levels you choose.

  • 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

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.

Sources

  1. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. Minnesota Department of Commerce. "Auto Insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Insurance Information Institute. "Auto insurance for teen drivers."
Sarah Sharkey
Sarah SharkeyInsurance Writer

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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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.

Featured in

media logomedia logomedia logomedia logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all