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Minnesota Car Insurance for Bad Credit Drivers

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Joe Dyton

By: Joe Dyton

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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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.

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


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

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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

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
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

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. 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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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.

Joe Dyton
Joe Dyton

Content Writer at Insurify

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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