Cheap Car Insurance in Minnesota (2022)

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.

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Cheapest Car Insurance in Minnesota

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.

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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.

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.

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.

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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.

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.

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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.

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.

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.

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.

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.

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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.

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 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

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 be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Minnesota^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Minnesota is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $40,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

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: Cheap Car Insurance in Minnesota