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Minnesota Car Insurance for Bad Credit Drivers

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Joe Dyton

By: Joe Dyton

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

Cheapest Companies for Drivers With Bad Credit in Minnesota (2022)

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.

CarrierAvg. Monthly Cost 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.
American Family Insurance$144
Safeco Insurance$157
Nationwide$169
Liberty Mutual$174
Midvale Home & Auto$177
Travelers$194

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.

Minnesota Car Insurance Rates for Bad Credit Drivers

Excellent
$124
Good
$147
Average
$177
Poor
$181

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.

Avg. Monthly Cost - for Drivers with Good Credit
$150
Avg. Monthly Cost - for Drivers with Bad Credit
$181
$31 ▴
20.67% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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 TierAvg. Monthly Cost 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.
Excellent$124
Good$147
Average$177
Poor$181

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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.

CityCredit TierAvg. Monthly Cost 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.
MinneapolisPoor$217
Saint PaulPoor$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.

Top Auto Insurance Companies

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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. See All Auto Insurance Companies

FAQs - Minnesota Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Minnesota. 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.

  • The way to find the carrier with the best auto insurance ratings in Minnesota and save on your insurance premiums 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.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Joe Dyton
Joe Dyton

Insurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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