Best Car Insurance in Minnesota (2025)

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.

Here’s what you should know about finding the best car insurance company in Minnesota for your coverage needs.

Best car insurance companies in Minnesota

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.

Farmers: Best overall

Best Overall

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User Reviews	3.8 1,114 reviews
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.	8.5 /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.	$183/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.	$268/mo

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Driver Reviews

3.8

A solid optionBased on 2,362 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 (1,114)

Joe

Verified Review

A Bit of a Communication Issue with Farmers

Reviewed in Missouri on November 2025

It's been a bit difficult lately to directly contact the agent who initially signed me up and saved me a lot of money on my home insurance bundled with my auto insurance. The office assistant got me insurance for a new vehicle recently, but I think the rate is too high. I am going to attempt to get through to the agent I used initially. It could be just the issue of using the phone instead of a direct email to the person I am referring to.

Larry

Verified Review

Car Insurance Choices

Reviewed in Nebraska on November 2025

In my opinion, Farmer's best trait is they really do listen to what you tell them and try to do it.

Marcelo

Verified Review

The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.

Reviewed in Texas on November 2025

The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

3.28

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]

• 24/7 customer support not available

• Fewer endorsements than some competitors

GEICO: Best for potential discounts

potential discounts

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User Reviews	4.0 6,871 reviews
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.	9.2 /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.	$115/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.	$168/mo

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Driver Reviews

4.0

Best choiceBased on 13,314 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 (6,871)

John

Verified Review

Geico Experience

Reviewed in Virginia on December 2025

Great customer service is the reason I have stayed for 33 years. Claims processing is also very good.

Phillip

Verified Review

Always available and personally knowledgeable

Reviewed in New Jersey on December 2025

It's very good!

Jody

Verified Review

GEICO is always one of the top choices

Reviewed in Nevada on December 2025

Overall, one of the best. Flexible options and discounts.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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

State Farm: Best for industry knowledge

industry knowledge

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User Reviews	4.1 6,544 reviews
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.	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.	$63/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.	$92/mo

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Driver Reviews

4.1

Best choiceBased on 12,677 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 (6,544)

Gretchen

Verified Review

So far, great insurance. Have had no experience with claims fortunately so no information on that.

Reviewed in Illinois on December 2025

My agent has been quick to respond to any questions or needs.

Michael

Verified Review

A great start but a lousy finish

Reviewed in Texas on December 2025

The staff at my old State Farm agency were first-rate, but my price steadily rose every renewal, even when I had no tickets, accidents, or DWIs. I did have two claims: one for a cracked windshield caused by a hailstorm and the second when my 2023 GMC Sierra 4x4 was stolen. I paid just over $82k cash for it, and when it was stolen, I had less than 9,000 miles on it. I received $31,000 from State Farm for my claim.

Larry

Verified Review

Insurance

Reviewed in Kentucky on December 2025

No problems yet. Haven't had to file a claim. Kind of pricey.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

647

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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)

• Various bundling and discount opportunities

Cons

• Gap insurance not available

• Mixed customer reviews on Trustpilot

• No rewards program for long-term customers

Allstate: Best for rideshare insurance

rideshare insurance

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User Reviews	3.9 3,934 reviews
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.	8.9 /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.	$131/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.	$192/mo

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Driver Reviews

3.9

A solid optionBased on 7,721 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 (3,934)

Terry

Verified Review

My Allstate

Reviewed in Minnesota on December 2025

I think it's too expensive.

Kyle

Verified Review

Poor

Reviewed in South Carolina on December 2025

They keep increasing my premium even though I have not caused any accidents.

Randall

Verified Review

Overpriced and Constantly Increasing

Reviewed in Florida on December 2025

The rates are constantly increasing for no reason. We barely drive 1000 miles.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

629

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

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]

• High-risk drivers may face increased rates

Progressive: Best for emergency support

emergency support

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JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	638
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.	8.7 /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.	$84/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.	$111/mo

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Driver Reviews

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 (7,480)

Judy

Verified Review

Not who they say they are

Reviewed in Texas on December 2025

Our first year's good price was just bait. They raised it every year, and again this year. In our years with them, we had one incident in which a driver tried to get out of close parking after a Christmas event before the crowd and messed up both the bumper and paint. We had an adjuster who could not be reached, was "busy," and wanted to argue with us that it had to be a moving collision even though the cars were unoccupied so they could increase it again. Handled very badly, and we were surprised and disappointed. We are shopping for a better company after getting another notice of increase.

Jason

Verified Review

Love to see options for vets and disabled vets. All other things they offer are good

Reviewed in Oklahoma on December 2025

I'm a veteran, so I just wish there were easier ways to get my discounts. Basically, you have to ask or research to get them. I'm 100 percent, so I'm tax-exempt, but they don't offer that benefit. Overall, I picked them because they were the cheapest. Customer service is excellent, very nice folks, and well-educated in their job.

Mary

Verified Review

High Prices for Retired Drivers

Reviewed in Tennessee on December 2025

A bit high-priced for retired drivers with no tickets or accidents in quite a few years.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

638

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

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

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]

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Based on 7,669+ reviews

4.8/5

Average cost of car insurance in Minnesota

Minnesota drivers pay an average rate of $90 per month for minimum-coverage insurance and $161 for full-coverage insurance. For comparison, the national average insurance rate is $100 per month for minimum coverage and $177 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.