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
4.0
Best choiceBased on 2,163 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 (1,157)
Helen
May 6, 2025
Verified Review
I am overpaying
I pay over $2,000 for a yearly policy on my 2019 Ford Edge that I only drive every two weeks.
Carol
May 6, 2025
Verified Review
Pricing Out of My Budget
Unfortunately, the price for coverage has increased year after year, and as a retired senior on a budget, it’s time for me to review my options.
Carol
May 5, 2025
Verified Review
Too Expensive
First year had a very reasonable price. From the second year to the present, the price raises almost $200 on average for house insurance per year and varies with car insurance every 6 months, but both are too expensive.
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
4.1
Best choiceBased on 11,742 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 (6,361)
Arlene
May 6, 2025
Verified Review
Inefficient
I've needed a way to reduce my rates. I realize I've had two speeding tickets, but there has not been any communication on my issues or what I need to do. They want money, that's all.
Delene
May 6, 2025
Verified Review
Need insurance to survive
Geico is good.
Gary
May 6, 2025
Verified Review
Geico
As with any insurance company, they do care about loyalty. The longer you stay with them, the premiums keep increasing. Always shop around when it's time to renew. This applies to any insurance company.
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
4.2
Best choiceBased on 10,930 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 (5,938)
Jodie
May 6, 2025
Verified Review
Payments keep going up
We haven't had any accidents in over 3 years, and our payments keep going up. It's getting worse. We are at the point of changing companies.
Linda
May 6, 2025
Verified Review
I had no problem with their claims and all their service but I'm looking for the same coverage I have
Prices are too high.
Kimberly
May 6, 2025
Verified Review
Price Increase
I've been with them for a couple of years and haven't made any claims on my house or auto insurance. There was a big increase in my rates this quarter.
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 6,686 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 (3,603)
Latosha
May 6, 2025
Verified Review
Pleasant
They offer everything you need easily and conveniently with no hassle.
Haakayoo
May 5, 2025
Verified Review
Allstate is getting too expensive
I am not sure I would recommend Allstate to anyone at this time. Although their bundles are still better than those offered by many of their competitors, they raise their auto premiums by huge margins every premium cycle under the guise that there are a lot of claims filed by drivers in Georgia. Although that is true, it does not justify the 30% to 35% premium increases I have seen in the last year alone. I suspect the four accidents I have had since March 21, 2024. Although I was absolved of fault by the police reports in as many as three of them, my six-monthly premiums jumped from $870 before March 21, 2024, to $1,395 in the most recent renewal. That is a whopping 60% increase in a single year!
Yolanda
May 5, 2025
Verified Review
Awesome Agents
I never had to file a claim, so I don't know how that works. However, I have needed to make late payments, and my guy Lyle is awesome and very understanding. The one thing that is confusing is the safe driver's discount. My first month, I saved like $166, and it was applied to my bill, which I love. Then, like 3 months went by with no savings, and I know I didn't change my driving habits. Then another time, I saved over $100. But otherwise, it's a great company. They actually email back the same day or the next day.
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 (6,793)
Rf
May 6, 2025
Verified Review
Not happy
The claims process was terrible. They couldn't credit my payments to the correct account. The first time my RV payment was due, it was credited to my car policy. The second time, they credited my motorcycle payment to my auto policy. I even put my account number on them. All were due at different times.
S
May 6, 2025
Verified Review
Unhappy
Used to be great, but lately, they have been raising rates. Auto insurance did go down this last year after going up the last several years, but it is still higher than it used to be. Homeowners insurance has gone up several hundred dollars this last year after being very reasonable in years past.
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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