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Minnesota Car Insurance for High Risk Drivers (With Quotes)

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Minnesota (2022)

For drivers that are high-risk in Minnesota, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Minnesota. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Minnesota.

What Makes a Driver High-Risk in Minnesota?

Auto insurance companies in Minnesota assume a certain level of risk when accepting a new customer. The level of risk that they expose themselves to is often tied to the driving record of the customer. If the driver has a history of violations or numerous insurance claims on their record, then they often get labeled as high-risk.

If you are characterized as a high-risk driver in Minnesota, your driving record probably has a few violations on it. These violations can include instances of speeding, reckless driving, multiple at-fault accidents, and prior DUI/DWI convictions. Since high-risk drivers are more likely to pay higher premiums for auto coverage, shopping around is a great way to find affordable rates.

Minnesota Car Insurance Rates for High-Risk Drivers

No Violation
$160
At-Fault Accident
$175
Speeding Ticket
$183
Failure to Stop
$192
Reckless Driving
$208

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Minnesota?

High-risk driving violations can have a negative impact on car insurance rates in several ways. The biggest impact is usually seen in average monthly costs, with some violations adding an additional $48 a month to your current premiums. In Minnesota, reckless driving often carries the largest penalty and can cause you to pay an average of $208 a month for coverage.

To help high-risk drivers obtain affordable coverage, a few insurance providers in Minnesota offer special packages and rates. Shopping around is often the best way to find cheaper quotes.

Driving HistoryAvg. Monthly Cost
No Violation$160
Speeding Ticket$183
At-Fault Accident$175
Reckless Driving$208
Failure to Stop$192

How Much Does a Speeding Ticket Impact Car Insurance Rates in Minnesota?

While receiving a speeding ticket in Minnesota will impact your auto insurance rates, the amount your rates increase isn't as bad as in other states. On average, drivers with a speeding ticket violation often pay $23 more per month for coverage.

No Violation - Avg. Monthly Rate
$160
Speeding ticket - Avg. Monthly Rate
$183
$23 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Minnesota?

In Minnesota, at-fault accidents can have an impact on how much you can expect to pay in monthly premiums. Drivers without any violations typically pay $160 for coverage, while those who have been involved in an at-fault accident pay nine percent more for auto insurance. The main reason for the increase is the likelihood of the driver to partake in risky driving behavior in the future.

No Violation - Avg. Monthly Rate
$160
Speeding ticket - Avg. Monthly Rate
$175
$15 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Minnesota?

Drivers who fail to stop a red light or stop sign typically face increases to their monthly insurance rates. In Minnesota, the average increase for drivers with a violation tends to be $32 more a month. That ends up being a yearly increase of $384 for one failure-to-stop violation.

No Violation - Avg. Monthly Rate
$160
Speeding ticket - Avg. Monthly Rate
$192
$32 ▴
Avg. Monthly Rate Increase

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Does Driving With a Suspended License Impact Car Insurance Rates in Minnesota?

Auto insurance companies in Minnesota assume a certain level of risk when accepting a new customer. The level of risk that they expose themselves to is often tied to the driving record of the customer. If the driver has a history of violations or numerous insurance claims on their record, then they often get labeled as high-risk.

If you are characterized as a high-risk driver in Minnesota, your driving record probably has a few violations on it. These violations can include instances of speeding, reckless driving, multiple at-fault accidents, and prior DUI/DWI convictions. Since high-risk drivers are more likely to pay higher premiums for auto coverage, shopping around is a great way to find affordable rates.

Tips for Researching High-Risk Minnesota Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Minnesota draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Minnesota Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Minnesota. Insurify analyzed the latest data for the five most populous cities in Minnesota to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Minnesota and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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