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Cheap Car Insurance in Minnesota (With Quotes, May 2022)

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Maria Sanchez

By: Maria Sanchez

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Minnesota is $169 per month, or $2,028 annually.
  • Progressive is the cheapest provider we found in Minnesota, with average premiums of $136 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Minnesota

If you want a place with balance, look no further than Minnesota. This Midwestern state offers a peaceful nature escape and is known for its lakes and forests, but if commerce is more your thing, then get your shopping fix at the Mall of America, the largest mall in the country. If you decide to make your way to the Twin Cities, be sure to get the insurance coverage you need.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Minnesota

How much is car insurance in Minnesota?

The average cost of car insurance in Minnesota is $169 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Getting a good deal on auto insurance coverage matters to most Minnesota drivers. At Insurify, we want to help people find the cheapest rates on quality insurance policies. Our data pulled together the best rates from hundreds of auto insurance companies. Average rates range from $136 to $230 per month for a policy, making it relatively affordable car insurance in the country.

Car Insurance CompanyAverage Monthly Quote
Progressive$136
Midvale Home & Auto$141
Kemper Preferred$142
Travelers$149
Safeco$149
Liberty Mutual$152
Acuity$159
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Cheapest Liability Auto Insurance in Minnesota

If you’re more prone to accidents or causing damage, you may want to consider just buying liability coverage. Liability insurance exists specifically to cover property damage liability or bodily injury liability, paying for damages like medical expenses or other harm. This is an affordable option for drivers and auto-owners who are more prone to accidents.

Car Insurance CompanyAverage Monthly Quote
Acuity$56
Kemper Preferred$73
Safeco$96
Midvale Home & Auto$104
Liberty Mutual$113
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Minnesota

More full-coverage policies exist to go beyond what’s required by the state minimum. While this usually means paying a higher annual premium, these policies help provide extra collision coverage, comprehensive coverage, and more. Full-coverage car insurance might be a good option for the average American family with multiple drivers with differing years of experience.

Car Insurance CompanyAverage Monthly Quote
Kemper Preferred$154
Midvale Home & Auto$155
Progressive$155
Travelers$158
Acuity$162
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Minnesota

With more than 600 providers in the market, how do you know what the best car insurance companies are? We put together a list of the best car insurance providers in Minnesota using the Insurify Composite Score. While it may cost more than the cheapest auto insurance options listed above, know that they are ranked as the highest quality.

Car Insurance CompanyICSAverage Monthly Quote
Nationwide89$183
Safeco86$149
Liberty Mutual82$152
Travelers80$149
State Auto76$197
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify. Our methodology weighs multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

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Minnesota Car Insurance Rates by Driving and Accident History

While there are many factors that determine how much someone pays for their auto insurance, like the type of car they drive or their ZIP code, perhaps one of the most impactful is their unique driving history. The more car accidents, claims, and collisions you have in your driving history, the more likely you are to see auto insurance rates spike.

See More: High-Risk Car Insurance Minnesota

Cheap Car Insurance for Good Drivers in Minnesota

An easy way to keep your insurance premium low is by exhibiting good driving, which means keeping claims, collisions, and car accidents to an absolute minimum, as well as paying all tickets and fines on time. Having a clean driving record has big rewards—not only does it result in cheaper auto insurance rates, but insurers also provide discounts to drivers who stay safe.

Car Insurance CompanyAverage Monthly Quote
Midvale Home & Auto$123
Progressive$132
Kemper Preferred$132
Safeco$133
Acuity$134
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Minnesota

It’s never worth it to drive under the influence (DUI) at the risk of harming others or yourself. If you get caught for a DUI, it can cause significant damage to your driving history and how much you pay for policies and deductibles. While court fines and reinstatement fees will add up, drivers with a DUI should consider taking driving courses to reduce their payments.

Car Insurance CompanyAverage Monthly Quote
Progressive$138
Liberty Mutual$143
Safeco$157
Travelers$178
Midvale Home & Auto$184
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

SR-22 Insurance in Minnesota

So what happens if you have a DUI on your record? You may need an SR-22. This form proves that your auto insurance policy meets the minimum liability coverage required by the state or by a court order. Even though it is not a type of insurance, it is a legal requirement that helps prove financial responsibility. This is typically needed if your license has been suspended or revoked.

Note that Minnesota does not require SR-22s. The insurance companies that do offer SR-22 in Minnesota are listed here:

Cheap Car Insurance for Drivers with an At-Fault Accident in Minnesota

Whether it’s a minor fender bender or a massive collision, being responsible for an at-fault accident can hurt your car insurance rates. It’s always recommended to have minimum coverage to make sure that the driver, passengers, and other parties are protected. Below are the best insurance companies for drivers with at-fault accidents.

Car Insurance CompanyAverage Monthly Quote
Progressive$137
Kemper Preferred$150
Travelers$161
Liberty Mutual$183
Safeco$192
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Minnesota

Speed demons, be careful! Speeding tickets can cause a lot of harm to your driving history if they’re not a one-time thing. The more you speed and the higher your miles per hour on each ticket, the more points you rack up on your driver’s license. Higher points means higher prices on your insurance policy. Keep an eye on the speed limit, and stick to the legal requirements.

Car Insurance CompanyAverage Monthly Quote
Progressive$148
Travelers$177
Kemper Preferred$180
Liberty Mutual$181
Safeco$189
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Minnesota Car Insurance Rates by Credit Tier

Financial history is another one of the many factors that contribute to determining how much you pay for your auto insurance policy. Companies associate good credit with responsible people who are more likely to follow the rules. Alternatively, poor credit might signal disregard for authority or irresponsible behavior. Do your best to build your credit to keep your costs low.

Credit TierAverage Monthly Quote
Excellent$146
Good$156
Average$181
Poor$226
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Minnesota Cities

Minnesota auto insurance rates vary from city to city, as your ZIP code can play a part in determining how much you pay for your policy. More populated, metropolitan areas like the capital, Saint Paul, or its “Twin City,” Minneapolis, typically see higher rates than their suburban counterparts. No matter where you are, make sure your policy has the state minimum coverage.

Minnesota CityAverage Monthly Quote
Minneapolis$197
Saint Paul$195
Rochester$154
Saint Cloud$165
Duluth$143
Burnsville$193
Mankato$152
Hopkins$162
South Saint Paul$182
Elk River$166
Brainerd$129
Eden Prairie$157
Andover$197
Osseo$171
Farmington$176
Prior Lake$147
Forest Lake$173
Cloquet$161
Buffalo$157
Big Lake$183
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Minnesota Car Insurance Rates by Driver Age

Insurance companies take driver age into account when determining costs because how old you are is often linked to how many years of experience you have behind the wheel. Young drivers, especially in their teens, pay much more than 20-year-olds because they’re seen as so high-risk. This typically dips once drivers enter their 20s and may rise again for seniors.

Age GroupAverage Monthly Rate
Teenagers$325
Under 25$263
20s$207
30s$165
40s$168
50s$152
60s$132
70s$118
80+$124
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Minnesota Driving Facts

Every state has minimum insurance requirements, and Minnesota is no exception. Additionally, all drivers in Minnesota will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Minnesota.

Minimum Car Insurance Requirements in Minnesota

The minimum liability coverage 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 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 to repair 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 is 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 contributions towards medical expenses and other related costs. In Minnesota, PIP coverage is mandatory unless explicitly declined in a waiver.

  • $20,000 Medical Expense per person
  • $20,000 Economic Loss per person

Minnesota DMV Information

The state’s DMV services are run by the Division of the Minnesota Department of Public Safety’s Driver and Vehicle Services. With branches and offices throughout the state, it offers access to residents who need to register or renew their driver’s license or identification card, register a vehicle, pick up a license, ask questions about insurance information, and more.

Outposts typically operate from 8:30 a.m. to 4 p.m., with some special morning and evening hours. Minnesota residents might be able to skip a trip to the DMV altogether by accessing services via the online portal. Visitors can also use the services provided by the Minnesota Department of Insurance while visiting their local Driver Services location.

Public Transportation in Minnesota

If you rely on public transit, you can breathe easy because Minnesota’s public transit system is ranked as one of the best in the United States, despite being one of the smallest transit systems for a large urban area. Metro Transit, run by the Metropolitan Council, is the main and largest public transportation operator in the Minneapolis-Saint Paul area, connecting the Twin Cities.

Having access to public transportation can be incredibly helpful for those who do not have access to a car, do not have a license, or are unable to operate a vehicle. If you discover that your county doesn’t offer options for public transportation, you can also look into walking routes, getting a bike, rideshare opportunities, or transit options that can be reimbursed by employers.

How to Get the Cheapest Car Insurance in Minnesota

The best way to get a cheap rate before committing to a policy is by shopping around first! This is where Insurify can help. With hundreds of insurance companies in the market, we do all the legwork to give you comparisons of actual rates from different companies that meet minimum requirements. In a few clicks and for free, look up coverage and rates you can afford.

No matter your credit score, driving history, age, or location, there are always ways to find car insurance rates that you can afford. You don’t need a big brand name like State Farm, GEICO, USAA, or Allstate to get a quality policy. Be sure to shop around and do research to find the best rates. Insurance companies also offer a variety of discounts that fit different needs.

Frequently Asked Questions

  • Auto insurance is required by state law, meaning that all motor vehicles that are operated—or even parked—on Minnesota roads need to be covered by a policy. If you have a car loan, your lender might also ask for a policy. Be sure to check that your auto insurance policy follows the minimum requirements to keep you, your loved ones, and others on the road safe.

  • It’s easy to find a rate you can afford! Insurify does all the work to sift through millions of quotes from hundreds of auto insurance companies in the market, making it effortless for you to compare rates side by side. Getting a quality policy shouldn’t cost you an arm and a leg. In just a matter of minutes, you can get your free quote today. Cheaper insurance is a few clicks away!

  • On average, Minnesota drivers can expect to pay around $169 per month for their car insurance policy. A number of factors impact how much you pay, and it can be more or less than the average. Your unique driving history, age, location, credit score, and more all play a part in determining costs.

  • Some of the factors that raise prices are out of our control, like your age or where you live. We can, however, control keeping accidents and collisions to a minimum to reduce the number of claims filed on a policy. Having a clean driving record is one of the easiest ways to keep costs low. However, we know that accidents happen, and this is why having insurance is so important.

  • State law requires all drivers to carry PIP coverage in their policies, unless explicitly declined or exempted by a waiver. If you are injured in a car accident, PIP is there to help cover medical bills and other injury-related expenses. Aside from injuries and hospital bills, this can also include lost wages due to missed time at work and services to help with domestic work.

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.

chevrolet

Chevrolet Impala

Most Popular Car in Minnesota

#21

State with the Most Speeding Tickets Rank

#25

State with the Moving Violations Rank

#5

State with the Most DUIs Rank

#7

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 #40 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #40
    • Percent of drivers in Minnesota with an accident: 8.93%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in MN who have a current at-fault accident on their driving record pay 27.21% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Minnesota is the #21 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #21
    • Percent of drivers in Minnesota with a speeding ticket: 10.81%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in MN with a speeding ticket in their driving history pay on average 29.25% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minnesota is the #5 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #5
    • Percent of drivers in Minnesota with a DUI: 3.7%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in MN with a DUI in their driving history pay on average 14.97% more than drivers with a clean record.
  • 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 #19 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #19
    • Percent of drivers in Minnesota with a rude driving violation: 1.72%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in MN with a rude driving violation in their driving history pay on average 34.69% more than drivers with a clean record.
  • 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 #33 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #33
    • Percent of drivers in Minnesota with a reckless driving offense: 0.07%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Minnesota is the #29 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #29
    • Percent of drivers in Minnesota with a failure to yield violation: 0.35%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in MN with a failure to yield violation in their driving history pay on average 63.27% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Minnesota is the #28 state in the country for drivers with a clean record.

    • Rank among states: #28
    • Percent of drivers in Minnesota with a clean record: 79.77%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Minnesota drivers rank #33 in hybrid and electric vehicle ownership across all fifty states.

    • Rank among states: #33
    • Percent of drivers in Minnesota with a hybrid/electric vehicle: 0.7%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Maria Sanchez
Maria Sanchez

Content Writer at Insurify

Maria Sanchez is a freelance writer from Boston. Specializing in educational content, she enjoys making information accessible to the greater public. In her spare time, she enjoys playing piano, hosting dinner parties, and volunteering.

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