Cheapest Auto Insurance in Minnesota (2025)

Minnesota drivers pay $142 per month for car insurance, compared to the national average of $151. Multiple factors contribute to the Star of the North’s higher insurance costs, including its severe winters, risky driving behaviors like speeding and not wearing seat belts, and the state’s no-fault insurance system.

Still, Minnesota drivers can find affordable car insurance from companies like State Farm, Safeco, and Auto-Owners. Many of the top insurers in Minnesota offer discounts and other ways to lower your car insurance costs.

Find Cheap Car Insurance in Minnesota

Check quotes from 120+ top insurance companies

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance companies in Minnesota

Each driver in Minnesota has a unique situation that leads to their specific car insurance rates.

As you consider your car insurance options, it’s helpful to shop around. If you don’t compare quotes from multiple insurance companies, it’s easy to accidentally overpay. Below is a breakdown of some of the best insurance companies in Minnesota to accelerate your search.

Insurance Company	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.	Average Quote: Full Coverage	Average Quote: Liability Only	Best for
Safeco	8.1	$128	$71	Liability-only coverage
Nationwide	9.0	$157	N/A	Full coverage
Liberty Mutual	7.7	$236	$132	Discounts

Best insurer for liability-only coverage: Safeco

Liability-Only Coverage

Compare Quotes

User Reviews	4.4 490 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.	8.1 /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.	$71/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.	$128/mo

Hide Details

Driver Reviews

4.4

Best choiceBased on 873 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (490)

Donald

June 26, 2025

Verified Review

DC insurance

Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.

Ray

June 18, 2025

Verified Review

Heads Up

Watch for the rising rates after a year.

Jerri

June 6, 2025

Verified Review

SAFECO Ins. - Not for Me

WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!

Previous

1234…25

NextSee all Safeco reviews

Our Advice

JD Power

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

621

NAIC Index

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

1.72

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

Safeco, a Liberty Mutual company, has been in business for nearly 100 years. Safeco stands out for some of its optional offerings. If your new car is less than a year old with under 150,000 miles, Safeco’s new vehicle replacement coverage pays the value of a comparable new car if yours is stolen or totaled. Safeco also offers cash back for policyholders who remain claims-free over a six-month review period, as well as a diminishing deductible for being claims-free. The company also scored above average for customer satisfaction in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study.

Pros

• Pays cash back to customers who remain claims-free

• Many options for customizing car insurance

• Accident forgiveness available

Cons

• May not be the cheapest option for drivers with infractions on their records

• Customer reviews indicate room for improvement in customer service

• Higher-than-average number of complaints with the National Association of Insurance Commissioners

Best insurer for full coverage: Nationwide

Full Coverage

Compare Quotes

User Reviews	4.3 485 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 /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.	$118/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.	$157/mo

Show Details

Driver Reviews

4.3

Best choiceBased on 866 verified guest reviews and ratings

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

Reviews (485)

David

June 26, 2025

Verified Review

Switching to Progressive

Don't get Roadside Assistance. We were stuck 800 miles from home with a flat tire and were told they could not find anyone to assist us. Thank God there was a Les Schwab Tire Center in town.

Bettye

June 10, 2025

Verified Review

BG's Lament

They will not give you a bundle price, and are higher than other companies. You wonder if you are being given all the reductions allowed for a good driving record, living in Florida.

Nicholas

May 14, 2025

Verified Review

Poor

Nationwide is very overpriced for what they offer.

Previous

1234…25

NextSee all Nationwide reviews

Our Advice

JD Power

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

628

NAIC Index

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

0.7

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

Nationwide operates in 46 states and Washington, D.C., selling car, homeowners, life, umbrella, and more types of insurance coverage. In addition to liability, collision, and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap insurance. The company also offers a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A rating from AM Best for financial stability and fewer-than-expected customer complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros

• Offers 24/7 roadside assistance coverage add-on

• SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

• Accident forgiveness available

Cons

• Below-average customer satisfaction scores from J.D. Power

• Some discounts and programs not available in all states

• Not available in every state

Best insurer for drivers with a military connection: Liberty Mutual

Discounts

Compare Quotes

User Reviews	3.5 1,732 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.	7.7 /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.	$132/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.	$236/mo

Show Details

Driver Reviews

3.5

A solid optionBased on 3,021 verified guest reviews and ratings

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

Reviews (1,732)

Jan

June 25, 2025

Verified Review

Regular increases without notice

No one answers the phone when I call. They increase my premium every few months without notice. I want to cancel but can't get an answer on the phone. Definitely do not recommend.

Leonard

June 21, 2025

Verified Review

Excellent

My experience with Liberty Mutual has been excellent. I would recommend them to anyone!

Lonnie

June 14, 2025

Verified Review

I don’t like the high prices for just liability

I think Liberty is way too expensive for me, a 71-year-old man with a great driving record!

Previous

1234…25

NextSee all Liberty Mutual reviews

Our Advice

JD Power

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

616

NAIC Index

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

4.28

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

Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Auto policyholders can save with numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength and credit from AM Best. The company often scores low for customer satisfaction and has more than three times the expected number of complaints from private auto policyholders, according to the National Association of Insurance Commissioners Consumer Complaint Index.

Pros

• Wide range of available discounts

• Accident forgiveness available

• Available in all 50 states and D.C.

Cons

• Many negative reviews and customer complaints

• Premiums are relatively high compared to industry average

• Low customer satisfaction scores from J.D. Power

How to get the cheapest car insurance in Minnesota

While Drivers in the Land of 10,000 Lakes can’t skip car insurance, that doesn’t mean you have to overpay for this necessary expense. A few savings strategies include:^[1]

• Ask for a discount. Most insurance companies offer some discounts that can potentially lower your rates. Ask your insurance agent what discounts you might be eligible for.

• Raise your deductible. Opting for a higher deductible usually leads to lower insurance premiums. But this is only a good option if you can afford a higher deductible if you need to file a claim.

• Compare quotes. Shopping around to get quotes from multiple insurance companies can help you lock in the best rates. Since your situation can change over time, it’s a good idea to compare quotes at least once a year.

Affordable auto insurance programs in Minnesota

Minnesota doesn’t currently have a low-cost car insurance program to help low-income drivers find affordable policies. But in March 2024, state House of Representatives members introduced a bill that would create a low-cost motor vehicle insurance program for low-income Minnesotans. The bill is currently with the House Commerce, Finance, and Policy Committee.

Cheapest liability-only car insurance quotes in Minnesota: State Farm

Liability-only car insurance protects your wallet from the fallout of property damage and bodily injury liability. After you cause an accident, liability-only car insurance helps cover the cost of repairing the other person’s vehicle and their medical bills.^[2]

This more limited insurance coverage often comes with the most affordable price tag. But liability coverage won’t help you pay for your own vehicle repair costs or medical expenses. The cheapest insurer for liability-only car insurance in Minnesota is State Farm, with an average cost of $62 per month.

Below is a breakdown of average liability insurance costs by car insurance company in Minnesota:

Cheapest full-coverage car insurance quotes in Minnesota: State Farm

Full-coverage car insurance comes with more robust protection for your wallet. In addition to liability coverage, it includes both comprehensive and collision coverage. After an accident, collision coverage can help you get back on the road with vehicle repairs or a replacement vehicle. Comprehensive insurance covers other incidents, like a tree falling on your car or a natural disaster.

Drivers with an auto loan or lease might be required to carry full coverage. But even if you don’t have to carry this coverage, it might offer the right amount of protection for your wallet. State Farm provides the cheapest full-coverage insurance in Minnesota, with monthly rates averaging $83.

Explore the average Minnesota full-coverage rates by insurance company below:

Car insurance requirements in Minnesota

Minnesota is a no-fault state, meaning if you get into an accident, your insurance company will cover your costs, no matter who’s at fault for the crash. States with no-fault insurance systems can have higher insurance rates than those with at-fault systems, since no-fault states typically require additional types of coverage besides just liability.

Below is a breakdown of Minnesota’s minimum-coverage requirements:^[3]

• 

  Bodily injury liability

  • $30,000 per person

  • $60,000 per accident

• 

  Property damage liability

  • $10,000 per accident

• 

  Personal injury protection (PIP)

  • $40,000 per person per accident

• 

  Uninsured/underinsured motorist coverage

  • $25,000 per person

  • $50,000 per accident

Depending on your situation, you might choose to purchase more than the minimum liability requirements. Here are some other coverage options to consider:

• 

  Collision coverage

  This pays for repairs and replacement costs to your vehicle after an accident.

• 

  Comprehensive coverage

  After an unexpected event, like a tree falling on your car, this insurance can help you repair or replace your vehicle.

Cheapest car insurance companies in MN for drivers with an incident

Driving-related incidents — like speeding tickets, DUIs, and at-fault accidents — can have a big effect on your car insurance costs.^[4]

“When drivers have incidents on their record, they have a greater probability of filing insurance claims, leading to premium rate adjustments,” says Marianne Evans, vice president of claims at Hoffman Brown Company. “Incidents can result in additional expenses, such as repair costs, medical bills, or legal fees, which prompt insurance companies to modify their rates accordingly,” Evans cautions.

Ultimately, Minnesota drivers with a moving violation should expect to pay more for car insurance than a driver with a clean record.

Shop for Car Insurance in Minnesota

Check quotes from 120+ top insurance companies

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance quotes for drivers with a speeding ticket: State Farm

The up-front fee tied to a speeding ticket is only the beginning of the costs. When you have a speeding ticket on your driving record, you’ll usually pay more for car insurance than drivers with a clean record.

Speed was a factor in 171 fatalities in Minnesota in 2021, according to the department of public safety. Minnesota drivers with a speeding ticket pay an average of $123 per month for liability-only insurance.

Take a look at the cheapest average monthly quotes for drivers with a speeding ticket in Minnesota.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$101	$75
Auto-Owners	$119	$89
USAA	$124	$93
Chubb	$148	$112
American Family	$148	$111
Safeco	$161	$89
Progressive	$167	$112
GEICO	$186	$140
National General	$188	$94
Nationwide	$194	$146
Allstate	$211	$159
Travelers	$213	$160
Direct Auto	$218	$119
COUNTRY Financial	$272	$206
Farmers	$297	$223
Liberty Mutual	$297	$166
The General	$355	$187
Bristol West	$355	$174
Dairyland	$457	$154

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: State Farm 

No one wants to get into a car accident. Beyond the stress that comes with an accident, drivers typically face higher insurance premiums after an at-fault accident. The reason is that insurance companies might consider you a high-risk driver.

If you live in Minnesota and have an accident on your driving record, you’ll pay about $124 per month for liability-only coverage.

Here are the average monthly rates for drivers in Minnesota with an at-fault auto accident:

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$103	$77
Auto-Owners	$120	$90
USAA	$126	$95
Chubb	$151	$114
American Family	$151	$114
Safeco	$169	$94
Progressive	$175	$117
GEICO	$187	$141
National General	$191	$95
Nationwide	$198	$149
Allstate	$216	$162
Travelers	$217	$163
Direct Auto	$228	$125
COUNTRY Financial	$283	$213
Liberty Mutual	$301	$168
Farmers	$304	$228
The General	$358	$189
Bristol West	$359	$176
Dairyland	$467	$158

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: State Farm

A DUI is one of the most serious moving violations. With the extreme nature of this violation, drivers with a DUI pay more for car insurance than drivers with a clean record. And if you’ve been convicted of a DUI, some insurance companies might deny you altogether. But it’s still possible to find insurance coverage.

Drivers in Minnesota who have been convicted of a DUI may pay around $161 for a liability policy and $296 for a full-coverage policy.

Explore the average monthly rates for drivers with a DUI in Minnesota below:

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$128	$96
Auto-Owners	$148	$111
USAA	$156	$117
American Family	$185	$139
Chubb	$186	$140
Safeco	$205	$113
Progressive	$210	$140
National General	$237	$119
Nationwide	$242	$182
GEICO	$243	$184
Travelers	$265	$199
Allstate	$267	$200
Direct Auto	$273	$149
COUNTRY Financial	$339	$256
Liberty Mutual	$364	$203
Farmers	$373	$280
The General	$424	$223
Bristol West	$441	$216
Dairyland	$575	$194

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: State Farm

When determining premiums, insurance companies often take your age into account. In general, drivers start to see falling auto insurance rates between the ages of 25 and 35. The downward trend continues for decades. But around age 75, senior drivers often see a slight uptick in their rates.

Senior drivers in Minnesota pay an average of $145 per month for full coverage.

Check out the table below to see which insurance companies offer the lowest monthly rates to senior drivers in Minnesota:

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$44	$33
Auto-Owners	$54	$41
Chubb	$60	$45
USAA	$61	$46
Progressive	$62	$42
American Family	$67	$50
Nationwide	$81	$61
National General	$86	$43
Safeco	$90	$50
GEICO	$95	$72
Travelers	$99	$74
Direct Auto	$102	$56
Allstate	$103	$77
COUNTRY Financial	$131	$99
Farmers	$135	$101
Liberty Mutual	$150	$84
The General	$168	$89
Bristol West	$177	$87
Dairyland	$235	$79

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: State Farm

Young drivers’ lack of experience behind the wheel typically leads to higher auto insurance premiums for teen drivers. A liability-only policy costs teen drivers in Minnesota $205 per month, on average. Full-coverage insurance for teens is even more expensive, with rates averaging $378 per month.

While it’s impossible to change your age, you can tap into lower car insurance premiums as a teen driver. Some savings strategies include getting good grades, raising your deductible, and sticking with your parents’ insurance policy.^[5]

Start your search by exploring the average monthly rates for teen drivers in Minnesota below:

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$164	$123
Auto-Owners	$181	$136
USAA	$194	$146
American Family	$234	$176
Progressive	$264	$177
Chubb	$267	$201
Safeco	$275	$153
GEICO	$310	$234
Nationwide	$317	$239
National General	$330	$165
Travelers	$354	$265
Allstate	$355	$267
COUNTRY Financial	$358	$270
Direct Auto	$367	$201
Liberty Mutual	$449	$251
Farmers	$480	$361
The General	$497	$262
Bristol West	$542	$265
Dairyland	$660	$223

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Minnesota car insurance quotes by credit tier

Minnesota insurance companies can look at your credit history when determining insurance premiums. Drivers with excellent or good credit scores generally pay less than drivers with poor credit scores.

If you want to boost your credit score in pursuit of lower insurance premiums, consider making on-time payments a priority and removing any mistakes from your credit report.

Below is a breakdown of average insurance costs in Minnesota by credit tier:

Find Car Insurance in Minnesota

Check quotes from 120+ top insurance companies

Enter your ZIP codeSee My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Car insurance rates across Minnesota cities

Car insurance companies take into account the city you live in when setting your car insurance rate. This is because your location gives insurers an idea of the traffic levels, vehicle crime rates, and weather patterns that affect your driving. These factors indicate the risk the company takes on when insuring you. That’s why car insurance rates in Minnesota vary widely based on where you live. Check out the table below for a closer look at the average car insurance rates for drivers in different Minnesota cities.

Minnesota car insurance FAQs