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Cheap Auto Insurance Quotes in Minnesota (January 2022)
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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.
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!
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.
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.
All motor vehicles operated or parked on Minnesota roadways are required to be insured.
Bodily injury liability coverage
property damage liabiltiy coverage
Uninsured and underinsured motorist coverage
Personal injury protection
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Duluth won Insurify's Most Patriotic Cities Award for the state of Minnesota.
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.