13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Shopping for car insurance can be intimidating because each driver has unique needs and priorities. To help Minnesota drivers find the best coverage, Insurify analyzed 50 car insurance companies, evaluating factors such as affordability, customer satisfaction, coverage options, and financial strength to determine the top insurance companies in the state.
The best way to find quality coverage that works for you is to compare quotes from multiple auto insurance companies. Start your search below with some of the best car insurance companies in the North Star State.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$108/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$229/mo
3.9
A solid optionBased on 2,203 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,171)
Belinda
May 16, 2025
Verified Review
Farmers Ins Review
Farmers is, and always has been, expensive.
Toni R
May 15, 2025
Verified Review
Quick response whether by phone or email.
Excellent service at all times.
Gloria
May 12, 2025
Verified Review
The service is good, but the price is too high for an eight-year-old car. $450 a month is too much, especially with no tickets or claims.
The service is good, but the price is too high for an eight-year-old car. $450 a month is too much, especially with no tickets or claims.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
828
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.13
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Farmers is a well-known insurance company that provides Minnesota drivers with cost-effective coverage. The insurer offers bundling options and several savings opportunities, including loyalty, responsible payer, and student discounts.
For even more savings, you can sign up for the insurer’s telematics program. Your smartphone app will track driving habits, which can potentially lower your premiums if you’re a safe driver.
Pros
Savings possible via telematics-based safe driving program
Many discounts available
Can bundle policies for extra savings
Cons
Below-average J.D. Power satisfaction rating in the North Central region[1]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$148/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$178/mo
4.0
Best choiceBased on 11,909 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,412)
Karen
May 25, 2025
Verified Review
Geico is number 1 in my book
Any dealings I have had with Geico have been excellent, so I am pleased with Geico.
Destiny
May 24, 2025
Verified Review
Great Insurance
Geico is great to deal with and has good reviews.
Carla
May 19, 2025
Verified Review
Perfect record, but keeps costing more.
Good through the years, but the cost keeps increasing.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO provides one of the most extensive selections of car insurance discounts — more than 30 — making it a great option for cost-conscious drivers. The company offers savings for maintaining a clean driving record, completing defensive driving courses, and equipping vehicles with security features. GEICO also allows customers to save by bundling multiple policies.
Pros
Wide range of discounts available
24/7 customer support available through the website or app
Offers additional coverage for motorcycles, ATVs, and RVs
Cons
Below-average J.D. Power satisfaction rating in the North Central region
Gap insurance not available
Limited access to customer support representatives
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
4.1
Best choiceBased on 11,147 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,007)
Florinda
May 26, 2025
Verified Review
Too much
Extremely high insurance premiums. I’m looking for something much lower than $150.
Karon
May 25, 2025
Verified Review
Lousy customer service
I was told 6 weeks ago that I had a refund coming when I switched from a homeowner's policy to a renter's policy. I never received the check. Now it's another 3 weeks before they can re-issue the check. I applied for a re-rate three weeks ago on my auto policy, as I am paying over $100 a month for driving less than 50 miles a week. I still haven't received a reply to that application.
Peggy
May 25, 2025
Verified Review
Mediocre
Addresses concerns quickly, but rates keep going up.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Founded more than 100 years ago, State Farm is the largest U.S. car insurance company. The company offers multiple digital tools, such as a mobile app that tracks driving behavior and helps users earn savings. In addition to auto policies, State Farm provides a wide range of insurance products, making bundling an easy way to save.
Pros
24/7 phone-based customer support
AM Best financial strength rating of A++ (Superior)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$130/mo
4.0
Best choiceBased on 6,792 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,633)
Howard
May 27, 2025
Verified Review
Used to be a good value
We have been customers for 42 years. We haven't seen any downward adjustment even though we're in North Carolina. We're looking for other quotes.
John
May 25, 2025
Verified Review
Excellent
Easy to deal with.
Jeannine
May 24, 2025
Verified Review
It's better with Allstate
With Allstate, my policy is lower with full coverage on my Charger than without it. With my Jeep also, the total premium is less than what I've been quoted elsewhere.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Rideshare drivers need specialized coverage to protect themselves while working, but not all insurers offer this type of policy. Allstate’s Ride for Hire plan provides insurance for drivers while they pick up passengers, transport them, or wait for ride requests. The policy also offers up to $2,500 in gap coverage if you experience vehicle damage or loss while working.
Pros
Rideshare insurance available
Bundling opportunities available
Includes coverage for trips to Mexico
Cons
Many negative reviews on Trustpilot and the Better Business Bureau (BBB)
Below-average claims satisfaction rating from J.D. Power[2]
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
820
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$142/mo
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,866)
Kiawna
May 27, 2025
Verified Review
Car insurance quote
It's okay. But now my insurance for a car that is over 10 years old has gone up a little over $100 a month. They now want $330/month for liability only on a 2014 Toyota Camry. I have 1 minor ticket (stop sign) over 2 years ago, and 1 hit and run that was someone else's fault. Really, $330 a month for liability only on an 11-year-old car?
Shirley
May 26, 2025
Verified Review
Unmotivated Agent
The claim for the accident GAP did not come to fruition as I passed the deadline. The agent did not seem very motivated.
Colleen
May 26, 2025
Verified Review
Sucked us in at a good rate then 6 months later raised the rates 40%
They offer a good rate initially, but then raise your rates significantly at the next billing cycle.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
820
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive stands out with innovative tools that help drivers personalize their insurance coverage. Its AutoQuote Explorer compares rates from various companies, and the Snapshot program incentivizes safe driving. Additionally, the Name Your Price Tool helps policyholders find coverage that fits their budget.
Pros
24/7 customer support
Mobile app has strong user reviews
AM Best financial strength rating of A+ (Superior)
Cons
Below-average customer and claims satisfaction ratings from J.D. Power
Mixed reviews from customers on Trustpilot and the BBB
Premiums may increase for Snapshot drivers demonstrating risky behavior
Our editorial team analyzed regional and national car insurance companies that sell policies in Minnesota to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Minnesota
If you’re looking for the best car insurance in Minnesota, you should do some research to find the best option for you. You don’t want to choose the first insurer to offer you a decent premium. Take some time to find the right car insurance policy that meets your needs and fits your budget with these tips.
Don’t overspend on your car
Buying a luxury car isn’t a one-time expense. Even if you buy your car in cash, you’ll still have to pay an expensive premium for car insurance. The more expensive your car, the more it costs to insure. That’s an ongoing cost you’ll pay for as long as you have the car, so think about what type of car makes the most sense for your lifestyle and budget.[3]
Compare quotes
Comparing quotes from three or more car insurance companies for the same type and amount of coverage is a great way to see which one has the best policy for your budget. But don’t let savings get in the way of finding the right insurer.
Finding cheap car insurance shouldn’t be your only goal. You also want to pay for a quality insurance product. Consider customer reviews as well to get an idea of the customer experience.
Find discounts
Some car insurance companies offer more discounts than others, but many commonly offer good student, low-mileage, defensive driving, and multi-car discounts. Ask an insurance agent which discounts might be right for your policy.
Bundle to save
If you also need another insurance policy, such as homeowners insurance or renters insurance, look for an insurer that will allow you to bundle that policy with your auto insurance policy. Doing so can earn you a discount. Some insurance companies only offer one type of policy, like auto insurance, so you’ll need to work with a well-rounded insurance company to bundle.[4]
Find Cheap Car Insurance in Minnesota
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Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Minnesota
Minnesota drivers pay an average rate of $103 per month for minimum-coverage insurance and $192 for full-coverage insurance. For comparison, the national average insurance rate is $105 per month for minimum coverage and $195 for full coverage.
Your location — even down to your ZIP code — can influence your insurance costs. Factors like local crime rates, weather conditions, and traffic patterns contribute to the risks insurers assess when determining premiums. Your personal driving history, the car you own, and your credit history can also affect the price you pay for coverage.
For example, someone who works from home won’t experience the same traffic hazards as a person who commutes from the suburbs into Minneapolis.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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