120+ more*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years experience in data analysis
Ph.D. in Computational Biology
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Drivers pay an overall average of $139 per month for auto insurance in Minnesota, which is slightly less than the national average cost of $142 per month, according to Insurify data.
But your specific monthly premium depends on many factors, including your coverage level. Minnesota liability-only car insurance costs an average of $93 per month, while full-coverage auto insurance averages $184 per month. Since full-coverage policies offer more financial protection, they have higher average rates.
In the table below, you’ll find affordable car insurance in Minnesota for both liability only and full coverage, based on Insurify rate data from 120+ top insurance companies in the state.
Driver Category  | Cheapest Insurance Company in MN | Cheapest Monthly Quote in MN |
|---|---|---|
| Overall | State Farm | $53 |
| State-minimum coverage | State Farm | $53 |
| Full coverage | State Farm | $95 |
| Drivers with a clean record | State Farm | $53 |
| After a speeding ticket | State Farm | $66 |
| After an at-fault accident | State Farm | $68 |
| After a DUI | State Farm | $81 |
| Teen/new drivers | State Farm | $107 |
| Seniors | State Farm | $42 |
| Bad credit | State Farm | $76 |
Drivers in Minnesota must carry minimum liability coverage to legally drive. These minimums include personal injury protection, which helps pay for your medical expenses, bodily injury and property damage liability, and uninsured and underinsured motorist coverage.[1]
The average premium for liability-only coverage in Minnesota is $93 per month. State Farm offers the cheapest minimum-coverage rates in the state, at a monthly rate of $53.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| Auto-Owners | $61 |
| Progressive | $65 |
| USAA | $65 |
| Safeco | $66 |
| National General | $72 |
| American Family | $76 |
| Chubb | $77 |
| Liberty Mutual | $91 |
| Direct Auto | $93 |
| The General | $95 |
| GEICO | $97 |
| Nationwide | $101 |
| Dairyland | $102 |
| Travelers | $110 |
| Allstate | $111 |
| Bristol West | $128 |
| Country Financial | $141 |
| Farmers | $155 |
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Austin Moyers
Licensed P&C Insurance Agent and Sales Manager, Insurify
I almost always advise my clients to buy more liability insurance than their state’s minimum, and Minnesota’s property damage minimum is a good example of why. Minnesota only requires $10,000 for property damage coverage, but damage from one severe accident can easily cost twice that amount. It’s a good idea to buy as much liability coverage as you can comfortably afford.
Full-coverage auto insurance in Minnesota typically includes collision, comprehensive, and liability coverage that at least meets the state’s minimums.
If you’re among the roughly 25% of Minnesota drivers who lease or finance their vehicles, your lender will probably require you to buy full-coverage car insurance.
Full coverage can be a good idea in Minnesota even if you don’t have to buy it. You may want the extra financial protection, since you have to deal with severe winter weather, more than 1,200 collisions with deer annually, and more than 150 hailstorms per year.
On average, full-coverage insurance in Minnesota costs $184 per month. The cheapest full-coverage insurer in Minnesota is State Farm, with rates that average $95 per month.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $95 |
| Auto-Owners | $109 |
| USAA | $115 |
| Safeco | $121 |
| American Family | $137 |
| Chubb | $138 |
| National General | $141 |
| Direct Auto | $170 |
| GEICO | $173 |
| Nationwide | $180 |
| Liberty Mutual | $185 |
| Travelers | $196 |
| Allstate | $197 |
| The General | $246 |
| Country Financial | $252 |
| Bristol West | $263 |
| Farmers | $276 |
| Dairyland | $325 |
*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Minnesota within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The best car insurance companies in Minnesota aren’t necessarily the same for all drivers. Your age, gender, coverage choices, driving history, and even where you live in Minnesota will affect your car insurance rates.
That’s why you should compare quotes from multiple insurers to find the insurance company with the best coverage options for your situation. To help you get started, check out Insurify’s top picks below.
| User Reviews | 4.0 |
|---|---|
| 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. | $53/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. | $95/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Minnesotans aged 60 and older make up 24% of the state’s population, according to U.S. Census Bureau data. State Farm offers multiple discounts that can help senior drivers save in Minnesota. These include discounts for being a senior, being a good driver, having multiple vehicles insured with the company, and having more than one policy with State Farm.
Above-average customer satisfaction ratings from J.D. Power
Offers roadside assistance and rental car reimbursement
AM Best financial strength rating of A+ (Superior)
Accident forgiveness not available
May not be the cheapest insurer for drivers with violations
Just 1.5 stars from 1,010 reviews on Trustpilot
| 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. | $65/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Minnesota drivers are relatively safe compared to drivers in other states. Still, the state had 71,311 crashes in 2023, according to the Minnesota Department of Public Safety.
If you’re a safe driver in Minnesota, Progressive’s Snapshot program could help you save money. The program bases your rate on how you drive. Good drivers save an average of $322 per year, according to Progressive.
Three levels of accident forgiveness available
Optional coverage for pet injuries
Many available discounts
High-risk drivers may pay more with Snapshot
Below-average customer satisfaction ratings from J.D. Power
Just 1.2 stars from 1,591 reviews on Trustpilot
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $65/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. | $115/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Minnesota is home to approximately 381,000 veterans, making up 7% of the state’s population.[2] The Land of 10,000 Lakes is also home to the winter military-training facility Camp Ripley, which brings active-duty military personnel and National Guard members to the state.
Minnesota drivers affiliated with the military can access the industry-leading customer service and affordable premiums offered by USAA. This insurer is available only to military members and their families, though.
AM Best financial strength rating of A++ (Superior)
Highest customer satisfaction rating from J.D. Power
Highly rated mobile app
Available only to military members, veterans, and eligible family
Just 1.2 stars from 3,788 reviews on Trustpilot
No customer service support on Sundays
Minnesota experienced steep premium increases in 2024, mostly because of severe weather. Hailstorms in August 2023 caused $1.8 billion in damages and led to subsequent rate surges in 2024, rising to a high of $2,462 for one year of full coverage.
Minnesota’s average annual cost of full-coverage car insurance fell by about 15% in 2025, to $2,088, according to Insurify data. And Insurify’s data analysts predict the average will drop another 1.3% in 2026, to $2,061.
In the table below, you can see how the average cost of car insurance in Minnesota has changed over the last five years.
State Name | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minnesota | 1,273 | 1,257 | 1,273 | 1,299 | 1,323 | 1,310 | 1,312 | 1,317 | 1,317 | 1,330 | 1,355 | 1,357 | 1,390 | 1,390 | 1,394 | 1,396 | 1,399 | 1,399 | 1,401 | 1,402 | 1,411 | 1,417 | 1,418 | 1,411 | 1,418 | 1,440 | 1,457 | 1,448 | 1,447 | 1,480 | 1,506 | 1,522 | 1,545 | 1,591 | 1,629 | 1,740 | 1,868 | 2,165 | 2,280 | 2,472 | 2,507 | 2,636 | 2,637 | 2,660 | 2,600 | 2,521 | 2,521 | 2,489 | 2,489 | 2,430 | 2,395 | 2,380 | 2,342 | 2,288 | 2,252 | 2,234 | 2,212 | 2,192 | 2,194 | 2,211 | 2,213 |
| United States | 1,559 | 1,557 | 1,552 | 1,555 | 1,558 | 1,558 | 1,562 | 1,567 | 1,569 | 1,569 | 1,573 | 1,579 | 1,592 | 1,603 | 1,608 | 1,613 | 1,619 | 1,626 | 1,633 | 1,641 | 1,650 | 1,667 | 1,690 | 1,720 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,957 | 1,984 | 2,006 | 2,037 | 2,077 | 2,129 | 2,194 | 2,240 | 2,300 | 2,342 | 2,368 | 2,389 | 2,385 | 2,373 | 2,369 | 2,361 | 2,349 | 2,364 | 2,366 | 2,365 | 2,355 | 2,341 | 2,317 | 2,285 | 2,257 | 2,228 | 2,214 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 |
Rates start as low as $53/mo. for liability-only policies
Minnesota is a no-fault insurance state. This means that in the event of an accident, your insurance company will cover your costs, regardless of who caused the crash. No-fault insurance states typically have higher rates than at-fault insurance states, since drivers often need to carry additional coverage besides liability.
Here are Minnesota’s mandatory minimum-coverage insurance requirements:
$30,000 per person/$60,000 per accident of bodily injury liability
$10,000 per accident of property damage liability
$40,000 per person, per accident of personal injury protection (PIP)
$25,000 per person/ $50,000 per accident of uninsured/underinsured motorist coverage
Where you live in Minnesota can change how much you pay for insurance, since things like traffic, crime rates, and weather patterns may affect how likely you are to make a claim. In the table below, you’ll find the average monthly quote for auto insurance in Duluth, Minneapolis, and Rochester.
City | Average Monthly Quote |
|---|---|
| Duluth | $110 |
| Minneapolis | $161 |
| Rochester | $120 |
Minnesota drivers with a clean driving record and good credit can find the cheapest insurance rates with State Farm, according to Insurify data. Having a clean driving record in Minnesota typically gives you more options for cheap insurance, starting with the insurers listed in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| Auto-Owners | $57 |
| USAA | $61 |
| Progressive | $64 |
| National General | $64 |
| Safeco | $68 |
| Chubb | $69 |
| American Family | $73 |
| Direct Auto | $87 |
| The General | $88 |
| GEICO | $93 |
| Liberty Mutual | $93 |
| Nationwide | $94 |
| Dairyland | $95 |
| Travelers | $103 |
| Allstate | $108 |
| Bristol West | $122 |
| Country Financial | $130 |
| Farmers | $145 |
Minnesota levies a $100 fine for driving 10 mph over the speed limit, and the fine doubles if the police catch you going 20-plus mph over the limit.[3] Unfortunately, you’ll also probably see your car insurance rates go up after a speeding ticket.
State Farm offers the cheapest average rate for Minnesota drivers with a ticket, at $66 per month.
If you’re among the 4.5% of Minnesota drivers with a speeding ticket, you can find other affordable insurers in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $66 |
| Auto-Owners | $78 |
| Progressive | $79 |
| USAA | $83 |
| Safeco | $85 |
| National General | $88 |
| Chubb | $96 |
| American Family | $97 |
| Liberty Mutual | $114 |
| Direct Auto | $115 |
| Dairyland | $125 |
| GEICO | $125 |
| The General | $125 |
| Nationwide | $129 |
| Travelers | $140 |
| Allstate | $142 |
| Bristol West | $159 |
| Country Financial | $188 |
| Farmers | $195 |
Even though Minnesota is a no-fault state, your insurer may still increase your premiums if you are at fault in an accident. For the 4.1% of Minnesotans with an at-fault accident in their driving history, Insurify data shows that State Farm offers the cheapest average rates, at $68 per month for liability-only coverage.
The table below outlines other affordable insurance companies for Minnesota drivers with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $68 |
| Auto-Owners | $78 |
| Progressive | $80 |
| USAA | $84 |
| Safeco | $89 |
| National General | $93 |
| American Family | $99 |
| Chubb | $99 |
| Liberty Mutual | $117 |
| Direct Auto | $122 |
| GEICO | $123 |
| The General | $126 |
| Dairyland | $130 |
| Nationwide | $131 |
| Travelers | $143 |
| Allstate | $144 |
| Bristol West | $163 |
| Country Financial | $186 |
| Farmers | $200 |
Minnesota takes driving while impaired (DWI) very seriously, whether you’re impaired by alcohol or cannabis. If you receive a DWI conviction in Minnesota, you may find it difficult to purchase auto insurance from a mainstream insurer. For the 1.2% of Minnesota drivers with a DWI conviction, Insurify data shows that State Farm offers the cheapest average rates. The insurer offers liability-only policies for $81 per month.
The table below lists other insurance companies that offer affordable coverage for Minnesota drivers with a DWI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Auto-Owners | $93 |
| USAA | $99 |
| Progressive | $105 |
| Safeco | $106 |
| National General | $110 |
| American Family | $111 |
| Chubb | $117 |
| Liberty Mutual | $139 |
| The General | $140 |
| Direct Auto | $142 |
| GEICO | $147 |
| Nationwide | $154 |
| Dairyland | $156 |
| Travelers | $168 |
| Allstate | $169 |
| Bristol West | $195 |
| Country Financial | $211 |
| Farmers | $236 |
Insurify partners with 120+ top insurers to show you the most accurate rates
Getting your driver’s license is a rite of passage for Minnesota teenagers. Teens as young as 15 can drive with a learner’s permit in Minnesota. They can upgrade to a graduated license as of age 16.[4] But teen drivers are inexperienced behind the wheel, which is why they pay the highest rates of any age demographic.
The cheapest insurer for teen drivers in Minnesota is State Farm, but you can find several other affordable companies in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $107 |
| USAA | $125 |
| Progressive | $127 |
| Auto-Owners | $128 |
| Safeco | $139 |
| National General | $149 |
| American Family | $149 |
| Chubb | $164 |
| Liberty Mutual | $166 |
| The General | $177 |
| GEICO | $182 |
| Dairyland | $185 |
| Direct Auto | $187 |
| Nationwide | $204 |
| Allstate | $227 |
| Bristol West | $236 |
| Travelers | $237 |
| Country Financial | $237 |
| Farmers | $321 |
About 18% of Minnesota’s population is older than 65, according to U.S. Census data. Senior drivers typically pay lower insurance premiums than other age groups. But as you get older, rates begin to increase along with crash risks. In 2023, senior Minnesotans were behind the wheel in 11,543 crashes that resulted in 109 fatalities and 5,184 injuries, according to state data.
The cheapest insurer for senior Minnesota drivers is State Farm, although drivers aged 65 and older in Minnesota may also find affordable rates from these insurance companies.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $42 |
| Auto-Owners | $48 |
| USAA | $53 |
| Progressive | $56 |
| National General | $57 |
| Safeco | $58 |
| Chubb | $58 |
| American Family | $61 |
| Liberty Mutual | $76 |
| Direct Auto | $76 |
| GEICO | $77 |
| Nationwide | $78 |
| The General | $81 |
| Dairyland | $87 |
| Travelers | $88 |
| Allstate | $90 |
| Bristol West | $107 |
| Country Financial | $112 |
| Farmers | $123 |
Minnesotans have some of the highest credit scores in the country. The state average is 730, according to Equifax. But Minnesota drivers with poor credit may pay a little more for car insurance than drivers with better credit. That’s because insurers have found that drivers with adverse credit histories are more likely to file claims.
The cheapest insurance company for Minnesota drivers with poor credit is State Farm, but you may also find inexpensive policies with these insurers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| USAA | $80 |
| Progressive | $81 |
| Safeco | $81 |
| National General | $89 |
| Auto-Owners | $91 |
| American Family | $91 |
| Liberty Mutual | $109 |
| Direct Auto | $115 |
| The General | $117 |
| GEICO | $120 |
| Chubb | $123 |
| Nationwide | $125 |
| Dairyland | $126 |
| Travelers | $136 |
| Allstate | $137 |
| Bristol West | $158 |
| Country Financial | $170 |
| Farmers | $191 |
If you’re looking for cheap Minnesota auto insurance, the answers to the following common questions can help.
Minnesota is a no-fault state, which means drivers must carry more than just liability insurance. You must have personal injury protection, bodily injury and property damage liability, and uninsured/underinsured motorist coverage.
Drivers pay an overall average of $139 per month for auto insurance in Minnesota. Liability-only car insurance costs an average of $93 per month, while full-coverage auto insurance has an average cost of $184 per month.
State Farm has the lowest rates for Minnesota drivers, according to Insurify data. It averages $95 per month for full coverage. But your specific coverage needs and driving history will affect your rate, so it’s important to shop around and compare quotes.
State Farm, Progressive, and USAA are among the best car insurance companies in Minnesota, though a number of quality insurers serve the state.
In Minneapolis, the average driver pays $161 for car insurance. But your specific driving history, claims history, location, and deductible can affect your insurance premiums, so your rates may vary. This is why it’s important to compare quotes from multiple insurance companies.
Minnesota drivers can reduce the cost of their car insurance by comparing quotes, lowering their deductible, taking advantage of car insurance discounts, taking a defensive driving course, and improving poor credit.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
