Cheap Car Insurance for Bad Credit Drivers in Minnesota:
Costs and Quotes (2021)
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- Car Insurance in Minnesota
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Cheapest Companies for Drivers With Bad Credit in Minnesota (2021)
For drivers with bad credit in Minnesota, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
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 car insurance for drivers with bad credit in Minnesota.
| Carrier | |
|---|---|
 American Family Insurance | $144/mo |
 Safeco Insurance | $157/mo |
 Nationwide | $169/mo |
 Liberty Mutual | $174/mo |
 Midvale Home & Auto | $177/mo |
 Travelers | $194/mo |
Auto Insurance with Bad Credit in Minnesota Guide
Bad Credit Car Insurance in Minnesota
Having bad credit can limit your ability to borrow money. It can also help determine how much you pay for car insurance. There are a few states that prohibit car insurance companies from taking a driver's credit history into account when determining rates, but Minnesota is not one of them. Drivers with bad credit in Minnesota can expect a credit check when they attempt to get car insurance. A poor credit score won't prevent you from getting coverage, but it may force you to pay more for it.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Minnesota?
Drivers with bad credit pay approximately 20 percent more than average for car insurance in Minnesota. Car insurance companies will use factors such as your total debt and payment history to determine your insurance credit score. Your credit score, driving record, and claims history will allow insurers to calculate your risk level and set your rate accordingly.
Can I Get Car Insurance With No Credit Check in Minnesota?
There are car insurance companies that won't check your credit as you try to get coverage. It's not always the best idea to buy a policy from one of these companies, however. The trade-off for not going through a credit check is that you may end up paying more for your car insurance than you would with a standard car insurance company. It might be worth it to go through the credit check if it means paying less for your car insurance.
Whether you wind up with a policy with or without a credit check, get quotes from multiple companies to help you find the best price.
Minnesota Car Insurance Rates by Credit Tier
Having excellent credit is beneficial for a number of reasons, including the chance to pay less for car insurance. Minnesota drivers in the excellent credit tier pay an average monthly car insurance cost of $124. Surprisingly, there's a $30 gap in rates between Minnesota drivers in the good credit tier and the average credit tier. Meanwhile, only $4 separates Minnesota drivers with average credit and those with poor credit.
| Credit Tier | |
|---|---|
| Excellent | $124 |
| Good | $147 |
| Average | $177 |
| Poor | $181 |
Car Insurance Rates With Bad Credit in Minnesota Cities
Saint Paul's average monthly cost for drivers with bad credit is slightly less than the state's average monthly cost. Meanwhile, the average monthly cost in Minneapolis, Minnesota's other "Twin City," is almost $40 more than the state average. If you live in one of these cities, it's even more imperative to maintain a high credit score to keep your car insurance premiums low.
| City | Credit Tier | |
|---|---|---|
| Minneapolis | Poor | $217 |
| Saint Paul | Poor | $178 |
Tips for Researching Bad Credit Minnesota Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Minnesota draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
