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Cheap Auto Insurance Quotes in Minnesota (January 2022)

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Last Updated: January 2022

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. One thing Minnesota isn’t home to, though, are high car insruance premiums. 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 policy 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 with Insurify.

Cheapest Car Insurance in Minnesota

Here are the cheapest 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 for the twenty most populous cities in Minnesota.

Best Car Insurance in Minnesota

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.

Car Insurance in Minnesota

Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Minnesota to find you the cheapest quotes in each of these metropolitan areas.

Minneapolis, Minnesota's most populous city, is home to drivers who often have to merge onto freeways that are a bit antiquated. In fact, the Twin Cities are notorious for their weaving lanes that were built in the early days of highway development. Drivers beware!

Quotes by Top Companies
Quotes ($/mo)
ProgressiveState FarmTravelersAllstateLiberty MutualNationwide
Monthly $
CityCheapest Company

Cheapest Liability Auto Insurance in Minnesota

For drivers in Minnesota, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Minnesota. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Minnesota.

Cheapest Full Coverage Auto Insurance in Minnesota

For drivers in Minnesota, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Minnesota. The following are the best insurance rates from carriers that offer full coverage auto insurance in Minnesota.

Minnesota Driving Facts


Minimum Car Insurance Requirements in MN

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 liabiltiy 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 accidentPersonal Injury Protection (PIP) pays for contributes towards medical expenses and other related costs. In MinnesotaPIP 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 MinnesotaPIP coverage is mandatory unless explicitly declined in a waiver.

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

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. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Minnesota drivers with a clean driving 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 additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Insurance Company
State Farm

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Insurance Company
Western National
State Farm
American Family

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
Insurance Company
Western National
North Star

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Insurance Company
North Star
Western National

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. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $29 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. Unlike most states, Minnesota 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Minnesotans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Insurance Company
North Star
American Family
Auto Owners
State Farm

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.

MN DMV 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.

Insurify Insights: How Minnesota Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Minnesota drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Minnesota

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. Among all fifty states, Minnesota drivers rank 40 in the number of car accidents per driver.

  • Rank of States: #40
  • Percent of drivers in Minnesota with an accident: 9.11%
  • Drivers in MN with an accident in their driving history paid on average 27.21% more than drivers with a clean record

Speeding in Minnesota

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Minnesota drivers rank 21 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #21
  • Percent of drivers in Minnesota with a speeding ticket: 10.81%
  • Drivers in MN with a speeding ticket in their driving history paid on average 29.25% more than drivers with a clean record

DUI/DWIs in Minnesota

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minnesota drivers rank 5 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #5
  • Percent of drivers in Minnesota with a DUI: 3.7%
  • Drivers in MN with a DUI in their driving history paid on average 14.97% more than drivers with a clean record

Most Popular Vehicle in Minnesota

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Minnesota is the Chevrolet Impala.

Rude in Minnesota

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Minnesota drivers rank 19 in rude driving infractions.

  • Rank of States: #19
  • Percent of drivers in Minnesota with a reckless driving violation: 1.72%
  • Drivers in MN with a reckless driving violation in their driving history paid on average 34.69% more than drivers with a clean record.

Safest Drivers in Minnesota

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Minnesota drivers rank 28 in clean driving records across all fifty states.

  • Rank of States: #28
  • Percent of drivers in Minnesota with clean record: 79.77%

Street Racing in Minnesota

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Minnesota drivers rank 19 in street racing violations per driver.

  • Rank of States: #19
  • Percent of drivers in Minnesota with a street racing violation: 0.01%

Failure to Yield the Right of Way in Minnesota

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Minnesota drivers rank 29 in failure to yield violations per driver across all fifty states.

  • Rank of States: #29
  • Percent of drivers in Minnesota with a failure to yield violation: 0.35%
  • Drivers in MN with a failure to yield violation in their driving history paid on average 63.27% more than drivers with a clean record

Reckless Drivers in Minnesota

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. Among all fifty states, Minnesota drivers rank 33 in the number of reckless driving offenses per driver.

  • Rank of States: #33
  • Percent of drivers in Minnesota with a reckless driving offense: 0.07%

Hybrid/Electric Vehicle Ownership in Minnesota

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 of States: #33
  • Percent of drivers in Minnesota with a hybrid/electric vehicle: 0.7%

Greenest Cities in Minnesota

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Clean Energy Economy MN has recently found that renewables now account for a quarter of Minnesota's energy, and the business of green energy is booming across the state. The industry employs tens of thousands of Minnesotans. The state of Michigan offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics
Most Patriotic City

Most Patriotic City

Saint Paul

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Duluth won Insurify's Most Patriotic Cities Award for the state of Minnesota.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Minnesota is vital for all car insurance shoppers hitting the road in The North Star State.
road with cars illustration

Road Rankings

12%Rural Roads in
Poor Condition


6%Structurally Deficient
Rural Bridges


1%Fatality Rate per 100M VMT
on Rural Roads


FAQs - Minnesota Car Insurance

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.


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.

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