Cheapest Auto Insurance in Minnesota (2025)
State Farm has the cheapest car insurance quotes in Minnesota, with liability-only quotes starting at $63 per month.
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Data reviewed byKonstantin Halachev
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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.
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Table of contents
- Cheapest car insurance companies in MN
- Affordable car insurance in MN
- Liability-only car insurance in MN
- Full-coverage car insurance in MN
- MN car insurance requirements
- Car insurance quotes by history
- Car insurance quotes for seniors
- Car insurance quotes for teens
- Car insurance quotes by credit tier
- FAQs
Table of contents
Minnesota drivers pay $141 per month for car insurance, compared to the national average of $149. Multiple factors contribute to the Star of the North’s higher insurance costs, including its severe winters, risky driving behaviors like speeding and not wearing seat belts, and the state’s no-fault insurance system.
Still, Minnesota drivers can find affordable car insurance from companies like State Farm, Safeco, and Auto-Owners. Many of the top insurers in Minnesota offer discounts and other ways to lower your car insurance costs.
Quick Facts
Minnesota drivers pay $181 on average for full-coverage car insurance and $100 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 $99 per month.
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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 Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Average Quote: Full Coverage | Average Quote: Liability Only | Best for |
|---|---|---|---|---|
| Safeco | 8.1 | $127 | $71 | Liability-only coverage |
| Nationwide | 9.0 | $158 | N/A | Full coverage |
| Liberty Mutual | 7.7 | $234 | $133 | Discounts |
Best insurer for liability-only coverage: Safeco
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| 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. | $71/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. | $127/mo |
4.4
Best choiceBased on 877 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (492)
Judith
Verified Review
Good coverage at a high price
Reviewed in South Carolina on July 2025
Cost was my only reason for changing carriers.
Judith
Verified Review
Driving 2,000 miles last year has become very expensive with latest insurance rates
Reviewed in Washington on July 2025
They were good about handling an accident claim five years ago, but when I talked to someone about better insurance rates, they never called back.
Donald
Verified Review
DC insurance
Reviewed in Oregon on June 2025
Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
621NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco, a Liberty Mutual company, has been in business for nearly 100 years. Safeco stands out for some of its optional offerings. If your new car is less than a year old with under 150,000 miles, Safeco’s new vehicle replacement coverage pays the value of a comparable new car if yours is stolen or totaled. Safeco also offers cash back for policyholders who remain claims-free over a six-month review period, as well as a diminishing deductible for being claims-free. The company also scored above average for customer satisfaction in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Accident forgiveness available
Cons
May not be the cheapest option for drivers with infractions on their records
Customer reviews indicate room for improvement in customer service
Higher-than-average number of complaints with the National Association of Insurance Commissioners
Best insurer for full coverage: Nationwide
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| 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. | $120/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. | $158/mo |
4.3
Best choiceBased on 868 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (486)
Phyllis
Verified Review
I've been with Nationwide for 30 years but I do think their home insurance is too high
Reviewed in Tennessee on July 2025
Home insurance is too high, check around.
David
Verified Review
Switching to Progressive
Reviewed in Washington on June 2025
Don't get Roadside Assistance. We were stuck 800 miles from home with a flat tire and were told they could not find anyone to assist us. Thank God there was a Les Schwab Tire Center in town.
Bettye
Verified Review
BG's Lament
Reviewed in Florida on June 2025
They will not give you a bundle price, and are higher than other companies. You wonder if you are being given all the reductions allowed for a good driving record, living in Florida.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
628NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide operates in 46 states and Washington, D.C., selling car, homeowners, life, umbrella, and more types of insurance coverage. In addition to liability, collision, and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap insurance. The company also offers a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A rating from AM Best for financial stability and fewer-than-expected customer complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Accident forgiveness available
Cons
Below-average customer satisfaction scores from J.D. Power
Some discounts and programs not available in all states
Not available in every state
Best insurer for drivers with a military connection: Liberty Mutual
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| 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. | $133/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. | $234/mo |
3.5
A solid optionBased on 3,030 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,738)
Brenda
Verified Review
Liberty Mutual is not what they claim to be
Reviewed in Arizona on July 2025
Plan on getting absurd rate increases every year regardless of how many miles you drive annually. They charge a 2.95% fee to process your debit card. Expect to wait forever to talk to customer service.
Lesley
Verified Review
Excellent
Reviewed in North Carolina on July 2025
I just need a better quote than what I currently pay with them.
Echo
Verified Review
They Rob Your Wallet
Reviewed in South Carolina on July 2025
They raised rates consistently every 6 months.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Auto policyholders can save with 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 and credit from AM Best. The company often scores low for customer satisfaction and has more than three times the expected number of complaints from private auto policyholders, according to the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
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.
Affordable auto insurance programs in Minnesota
Minnesota doesn’t currently have a low-cost car insurance program to help low-income drivers find affordable policies. But in March 2024, state House of Representatives members introduced a bill that would create a low-cost motor vehicle insurance program for low-income Minnesotans. The bill is currently with the House Commerce, Finance, and Policy Committee.
Cheapest liability-only car insurance quotes in Minnesota: State Farm
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 State Farm, with an average cost of $63 per month.
Below is a breakdown of average liability insurance costs by car insurance company in Minnesota:
Cheapest Companies 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 quotes in Minnesota: State Farm
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. State Farm provides the cheapest full-coverage insurance in Minnesota, with monthly rates averaging $83.
Explore the average Minnesota full-coverage rates by insurance company below:
Cheapest Companies 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 car insurance quotes in Minnesota
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $83/mo for full coverage in Minnesota.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 2025. 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Minnesota
Minnesota is a no-fault state, meaning if you get into an accident, your insurance company will cover your costs, no matter who’s at fault for the crash. States with no-fault insurance systems can have higher insurance rates than those with at-fault systems, since no-fault states typically require additional types of coverage besides just liability.
Below is a breakdown of Minnesota’s minimum-coverage requirements:[3]
Bodily injury liability
$30,000 per person
$60,000 per accident
Property damage liability
$10,000 per accident
Personal injury protection (PIP)
$40,000 per person per accident
Uninsured/underinsured motorist coverage
$25,000 per person
$50,000 per accident
Depending on your situation, you might choose to purchase more than the minimum liability requirements. Here are some other coverage options to consider:
Collision coverage
This pays for repairs and replacement costs to your vehicle after an accident.
Comprehensive coverage
After an unexpected event, like a tree falling on your car, this insurance can help you repair or replace your vehicle.
Cheapest car insurance companies in MN 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.
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Cheapest car insurance quotes for drivers with a speeding ticket: State Farm
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 $122 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: Wednesday, July 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $100 | $76 |
| Auto-Owners | $118 | $90 |
| USAA | $123 | $94 |
| American Family | $148 | $112 |
| Chubb | $148 | $113 |
| Safeco | $159 | $89 |
| Progressive | $176 | $113 |
| National General | $189 | $94 |
| GEICO | $190 | $145 |
| Nationwide | $194 | $147 |
| Allstate | $212 | $161 |
| Travelers | $213 | $161 |
| Direct Auto | $216 | $119 |
| COUNTRY Financial | $271 | $206 |
| Liberty Mutual | $290 | $165 |
| Farmers | $296 | $225 |
| The General | $346 | $183 |
| Bristol West | $352 | $173 |
| Dairyland | $465 | $153 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for drivers with an at-fault accident: State Farm
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 $124 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: Wednesday, July 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $103 | $78 |
| Auto-Owners | $119 | $91 |
| USAA | $126 | $96 |
| Chubb | $150 | $116 |
| American Family | $151 | $114 |
| Safeco | $168 | $94 |
| Progressive | $178 | $114 |
| GEICO | $179 | $136 |
| National General | $192 | $96 |
| Nationwide | $198 | $151 |
| Allstate | $216 | $164 |
| Travelers | $217 | $165 |
| Direct Auto | $227 | $125 |
| COUNTRY Financial | $278 | $211 |
| Liberty Mutual | $296 | $169 |
| Farmers | $303 | $230 |
| The General | $350 | $185 |
| Bristol West | $358 | $176 |
| Dairyland | $477 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for drivers with a DUI: State Farm
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 $161 for a liability policy and $291 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: Wednesday, July 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $130 | $99 |
| Auto-Owners | $151 | $115 |
| USAA | $159 | $121 |
| American Family | $189 | $143 |
| Chubb | $190 | $146 |
| Safeco | $203 | $113 |
| Progressive | $232 | $148 |
| GEICO | $239 | $182 |
| National General | $244 | $121 |
| Nationwide | $248 | $189 |
| Travelers | $272 | $206 |
| Allstate | $273 | $207 |
| Direct Auto | $277 | $152 |
| COUNTRY Financial | $347 | $264 |
| Liberty Mutual | $368 | $209 |
| Farmers | $380 | $289 |
| The General | $421 | $223 |
| Bristol West | $448 | $220 |
| Dairyland | $597 | $196 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for seniors: State Farm
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 $141 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: Wednesday, July 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $44 | $34 |
| Auto-Owners | $54 | $41 |
| Chubb | $60 | $46 |
| USAA | $61 | $47 |
| American Family | $67 | $51 |
| Nationwide | $81 | $62 |
| GEICO | $84 | $64 |
| National General | $86 | $43 |
| Safeco | $89 | $50 |
| Progressive | $90 | $58 |
| Travelers | $99 | $75 |
| Direct Auto | $101 | $56 |
| Allstate | $103 | $79 |
| COUNTRY Financial | $132 | $100 |
| Farmers | $134 | $102 |
| Liberty Mutual | $147 | $84 |
| The General | $164 | $87 |
| Bristol West | $176 | $87 |
| Dairyland | $237 | $78 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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?
Cheapest car insurance quotes for teens: State Farm
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 $205 per month, on average. Full-coverage insurance for teens is even more expensive, with rates averaging $371 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: Wednesday, July 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $166 | $126 |
| Auto-Owners | $186 | $141 |
| USAA | $195 | $149 |
| American Family | $235 | $178 |
| Chubb | $267 | $205 |
| Safeco | $273 | $153 |
| GEICO | $288 | $219 |
| Progressive | $295 | $189 |
| Nationwide | $321 | $244 |
| National General | $330 | $164 |
| Allstate | $359 | $272 |
| Travelers | $360 | $273 |
| COUNTRY Financial | $364 | $277 |
| Direct Auto | $364 | $200 |
| Liberty Mutual | $447 | $254 |
| Farmers | $485 | $369 |
| The General | $488 | $258 |
| Bristol West | $540 | $265 |
| Dairyland | $672 | $221 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Quotes 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.
Find Car Insurance in Minnesota
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Car insurance rates across Minnesota cities
Car insurance companies take into account the city you live in when setting your car insurance rate. This is because your location gives insurers an idea of the traffic levels, vehicle crime rates, and weather patterns that affect your driving. These factors indicate the risk the company takes on when insuring you. That’s why car insurance rates in Minnesota vary widely based on where you live. Check out the table below for a closer look at the average car insurance rates for drivers in different Minnesota cities.
- CityAvg. Liability Only QuoteAvg. Full Coverage Quote
Duluth $84 $148 Minneapolis $125 $212 Rochester $89 $155 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $181 per month for full coverage and $100 per month for liability-only coverage, according to Insurify data.
Who has the cheapest car insurance in Minnesota?
State Farm, Safeco, and Auto-Owners have the cheapest car insurance in Minnesota. Their monthly liability-only rates average $63, $71, and $73, 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.
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 500+ 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
- 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.
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Sources
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Minnesota Department of Commerce. "Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto insurance for teen drivers."
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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.
Sarah has been a contributor at Insurify since September 2022.
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