Cheapest Auto Insurance in Minneapolis, Minnesota (2025)

State Farm has the cheapest liability insurance in Minneapolis, with a rate of $76 per month.

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Cheapest recent rates near Minneapolis, Minnesota

Drivers in and around Minneapolis, Minnesota have found policies from Direct Auto, The General, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Minneapolis is the most heavily populated city in Minnesota, resulting in higher car insurance rates than most other cities in the state. With an average monthly rate of $126 for liability coverage, insurance in the City of Lakes is more expensive than the national liability average of $103.

Liability insurance in Minneapolis also costs more than the Minnesota state average of $92 per month, likely due to high population density and vehicle crime rates.

Here’s how to find the best cheap auto insurance in Minneapolis, including how to compare quotes and coverage options.

Quick Facts
  • State Farm, Safeco, and Auto-Owners have the cheapest liability insurance in Minneapolis.

  • The average cost of full-coverage insurance is $207 per month in Minneapolis, $170 in Minnesota, and $182 in the U.S.

  • Minnesota is a no-fault state that requires personal injury protection (PIP) and uninsured/underinsured motorist insurance.

3 of the cheapest car insurance companies in Minneapolis

The best car insurance companies in Minneapolis won’t be the same for every driver since each insurer has different criteria for determining rates. Factors that insurance companies use to set your rates include your age, gender, marital status, ZIP code, driving history, and even your credit history.

Not only will these factors vary from one driver to another, but each company weighs each factor differently. This is why it’s so important for consumers to shop around for the best car insurance for their needs. State Farm, Auto-Owners, and USAA each offer distinct benefits, and all have lower average monthly rates than the Minneapolis average. The average quotes included below reflect average U.S. insurance costs.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$110$56Cheap rates
Auto-Owners8.2$74$43Optional coverage
USAA9.1$97$51Military members
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

User Reviews
4.1
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.
$76/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.
$100/mo
4.1
Best choiceBased on 11,532 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 (6,133)
Corey
Verified Review
Why I'm Looking
Reviewed in Virginia on September 2025
Overall, it's PAY PAY PAY. It's great to have full coverage on all three vehicles. I dislike the amount or agent-based pay instead of just paying for full coverage. That's my whole reason for shopping for "new" rates. If I received a partial refund on what I didn't use, that would be awesome.
Diane
Verified Review
Rates are so high
Reviewed in Arizona on September 2025
Excellent agent.
Rose
Verified Review
Good Company
Reviewed in Michigan on August 2025
Good insurance company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
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

State Farm is one of the oldest auto insurance companies in America and one of the largest auto insurers by market share. It offers a variety of discounts and coverages, along with the cheapest rates in Minneapolis. 

Pros
  • High J.D. Power customer satisfaction rating for its insurance-shopping process

  • Plenty of discounts

Cons
  • Can’t purchase a policy online 

  • Customer service not available 24/7

Best insurer for optional coverage: Auto-Owners

User Reviews
3.9
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.
8.2 /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.
$88/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.
$116/mo
3.9
A solid optionBased on 225 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (130)
James
Verified Review
Overpriced
Reviewed in Nebraska on August 2025
I’ve had no contact with them since I’ve never had a claim to speak with them. Their prices are going up very rapidly despite never having any kind of claim.
Linda
Verified Review
Best Claim Service
Reviewed in Michigan on August 2025
When a driver drove into my back end, the communication and service were excellent!
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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

Auto-Owners has offered affordable car insurance and a robust list of discounts since its founding in 1916. The insurer stands out for its optional car insurance coverages, including roadside assistance, gap insurance, rental auto gap, and diminished value coverage. You can also buy accident forgiveness coverage.

Pros
  • Many optional coverages, including additional expense coverage 

  • At-fault accident forgiveness available

Cons
  • Can’t get a quote online — must work with an agent

  • Lower mobile app rating than other insurers

Best insurer for military members: USAA

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.
$93/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.
$122/mo
4.9
Best choiceBased on 2,157 verified guest reviews and ratings
How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,215)
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
Randall
Verified Review
USAA not recommended
Reviewed in Texas on August 2025
I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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

Since 1922, USAA has been committed to offering affordable car insurance to active-duty military members, veterans, and their families. In addition to competitive rates in Minneapolis, USAA policyholders can take advantage of numerous discounts, including a legacy discount that rewards new policyholders whose parents already have a USAA policy with a 10% discount.

Pros
  • Highest overall customer satisfaction rating in J.D. Power’s 2023 U.S. Auto Insurance Study

  • Offers usage-based auto insurance

Cons
  • Only active-duty military members, veterans, and their families are eligible

  • No live 24/7 customer service 

Top 10 Cheap Car Insurance Quotes in September 2025

Top 10 Cheap Car Insurance Quotes in September 2025

How to get the cheapest car insurance in Minneapolis

The cheapest car insurance in Minneapolis, Minnesota, will vary from one driver to the next. Each insurance company uses its own underwriting formula for determining your rates, and you’ll often receive different rates from companies for the same coverage. This is one reason why shopping around to find the cheapest rate is so important.

Here are some other strategies you can use to get the cheapest rates for the coverage you need:

  • Adjust your coverage amount. Increasing your deductible, dropping comprehensive or collision coverage, or lowering your liability amounts will all reduce your premium rates. Just make sure you maintain enough coverage to protect yourself in the event of an accident.

  • Ask about discounts. Your insurance company may offer discounts to help you reduce your costs. For example, insurers commonly offer discounts to consumers who bundle their homeowners insurance or renters insurance with their auto policy.

  • Consider telematics. Many insurers offer drivers the chance to lower their rates in exchange for installing a telematics device that tracks their driving behavior. Safe drivers may be able to save big with these programs.

Find Cheap Car Insurance in Minneapolis

Liability quotes start at $76 per month

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Based on 7,669+ reviews
4.8/5
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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Minneapolis: State Farm

If you’re found at fault in an accident, liability-only car insurance will cover the cost of repairing or replacing the other party’s property and medical bills. But it won't pay for damage to your vehicle if you cause an accident. Minimum coverage can make sense if your car is paid off, and it's older or less expensive to repair.

But Minnesota is a no-fault state, so drivers in Minneapolis have to carry more than liability-only insurance. State law requires all Minnesota drivers to carry minimum levels of personal injury protection (PIP) insurance, which pays for the policyholder’s medical expenses after an accident, no matter who’s at fault.

Drivers also must carry uninsured and underinsured motorist insurance, which pays for your property damage if you’re in an accident with an at-fault driver without adequate insurance.

Liability insurance in Minneapolis costs an average of $126 per month. The following insurers offer the cheapest liability-only car insurance in Minneapolis:

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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State Farm$76
Safeco$85
Auto-Owners$88
National General$92
USAA$93
American Family$110
Chubb$111
Progressive$111
Direct Auto$116
GEICO$140
Nationwide$144
Dairyland$146
Travelers$157
Allstate$159
Liberty Mutual$159
Bristol West$166
The General$167
COUNTRY Financial$203
Farmers$222
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 full-coverage car insurance in Minneapolis: State Farm

Full-coverage car insurance generally refers to insurance that includes collision and comprehensive coverage on top of liability coverage.

Collision coverage will pay for physical damage to your car if you cause an accident, while comprehensive coverage pays to repair or replace your car after damage from something other than an accident.

“Comprehensive and collision are common types of car insurance coverage, though no state requires them,” says Loretta Worters, vice president of media relations for the Insurance Information Institute. “However, if you have a loan, your lender would require it.”

Minneapolis drivers pay a monthly average of $207 for full coverage. The following insurers offer the cheapest full-coverage car insurance in Minneapolis:

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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State Farm$100
Auto-Owners$116
USAA$122
American Family$144
Chubb$146
Safeco$153
Progressive$173
GEICO$183
National General$184
Nationwide$190
Travelers$208
Allstate$209
Direct Auto$211
COUNTRY Financial$266
Liberty Mutual$279
Farmers$291
The General$315
Bristol West$339
Dairyland$456
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.

Recent quotes for drivers in and around Minneapolis

Drivers in and around Minneapolis, Minnesota have found policies from The General, Safeco, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 4, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Minnesota

Minnesota is a no-fault state, meaning each insurance company pays out for the medical costs of its own policyholder, regardless of who caused an accident.[1] But if a driver is at fault in an accident, their insurance will pay for the other party’s property damage.

Because the North Star State follows no-fault rules, all drivers must carry personal injury protection, bodily injury liability, property damage liability, uninsured motorist coverage, and underinsured motorist coverage.[2] 

The minimum requirements for each of these coverages are:

Coverage
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Minimum Requirements
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Personal injury protection (PIP)
  • $40,000 per person per accident
  • $20,000 for hospital or medical expenses
  • $20,000 for non-medical expenses such as lost wages, replacement services, etc.
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$10,000 per accident
Uninsured motorist$25,000 per person / $50,000 per accident
Underinsured motorist$25,000 per person / $50,000 per accident

Drivers may purchase more insurance than the Minnesota requirements. That may mean increasing the dollar amount of coverage they carry for each type of required insurance or adding other coverages to their policy. The most common additional coverages are:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance will pay for the damage to your vehicle if you cause an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance will pay to repair or replace your car if it’s damaged due to something other than an accident.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Also known as MedPay, this covers medical bills for you and your passengers after an accident.

Cheapest car insurance for Minneapolis drivers with an incident

Whether you’ve received a speeding ticket, an at-fault accident, a DUI, or another moving violation, you can expect any negative traffic incident to affect your premiums. Insurance companies treat drivers with a history of such incidents as higher risk than drivers with clean records — even if the history is only a single instance.

Minneapolis drivers with a past incident on their record pay $143 per month for liability coverage and $234 for full-coverage insurance.

Even if you don’t have a spotless driving record, you can still find affordable car insurance in Minneapolis. 

Shop for Car Insurance in Minneapolis

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ProgressiveLiberty MutualAllstate

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

Speeding may be common, even among drivers who consider themselves to be safety conscious, but that doesn’t change how dangerous it is. In 2023, speed was a factor in 2,504 accidents in Minnesota, contributing to 64 fatalities and more than 1,400 injuries.[3]

This helps explain why insurers are so likely to raise your rates after a speeding ticket. On average, Minneapolis drivers with a speeding ticket pay $158 per month for liability coverage. You can find the cheapest liability car insurance options from one of these insurers.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Clean Driving Record
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With Speeding Ticket
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State Farm$76$94
Safeco$85$109
Auto-Owners$88$111
National General$92$115
USAA$93$117
American Family$110$139
Chubb$111$139
Progressive$111$139
Direct Auto$116$146
GEICO$140$180
Nationwide$144$182
Dairyland$146$182
Travelers$157$199
Allstate$159$199
Liberty Mutual$159$199
Bristol West$166$210
The General$167$222
COUNTRY Financial$203$255
Farmers$222$279
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 for drivers with an at-fault accident: State Farm

Accidents aren’t just stressful — they can also increase your car insurance rates. Insurance companies generally treat a driver with an at-fault accident as a greater insurance risk, which means the insurer will increase their rates or even drop their coverage, depending on the severity of the accident and the driver’s history. In 2023, Minnesota had 64,733 vehicle crashes, according to Department of Public Safety data.

On average, Minneapolis drivers with a past accident pay $156 per month for liability insurance. The following insurers offer the cheapest liability car insurance for drivers with an at-fault accident in Minneapolis.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$76$95
Safeco$85$113
Auto-Owners$88$109
National General$92$117
USAA$93$117
American Family$110$139
Chubb$111$139
Progressive$111$137
Direct Auto$116$152
GEICO$140$168
Nationwide$144$183
Dairyland$146$186
Travelers$157$199
Allstate$159$200
Liberty Mutual$159$202
Bristol West$166$211
The General$167$221
COUNTRY Financial$203$254
Farmers$222$281
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 for drivers with a DUI: State Farm

Drivers who have been cited for driving under the influence may struggle to find affordable auto insurance. The average cost of liability coverage for Minneapolis drivers with a DUI is $203 per month.

“If you have a DUI violation, your rate will go up,” Worters says. “Insurance companies may consider DUI drivers as riskier to insure or even refuse coverage.”

But many insurers specialize in insuring drivers who can’t get standard insurance because of their driving history. If you have a DUI, you may need to turn to such an insurance company to get the coverage you need — and unfortunately, there’s not a whole lot you can do to reduce your rates post-DUI. 

“It takes time before you can see any rate reductions,” Worters explains. “Keep a clean record and take a driver education course.”

The following companies offer the cheapest liability car insurance for drivers with a DUI in Minneapolis:

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$76$119
Safeco$85$141
Auto-Owners$88$137
National General$92$144
USAA$93$145
American Family$110$172
Chubb$111$173
Progressive$111$179
Direct Auto$116$181
GEICO$140$219
Nationwide$144$225
Dairyland$146$228
Travelers$157$245
Allstate$159$248
Liberty Mutual$159$248
Bristol West$166$259
The General$167$261
COUNTRY Financial$203$317
Farmers$222$347
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.
How Long Does a DUI Stay on Your Record?

How Long Does a DUI Stay on Your Record?

Cheapest car insurance for Minneapolis seniors: State Farm

Car insurance rates are highest for young drivers, but premiums tend to decrease for drivers around age 25. But costs go up again slightly around age 70, when accident risks increase for drivers. Insurers increase rates for older drivers to reflect this risk.

The average cost of car insurance for senior drivers in Minneapolis is $102 per month for liability coverage and $168 for full-coverage insurance. The following insurers have the cheapest car insurance for senior drivers in Minneapolis.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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State Farm$58$77
Auto-Owners$69$91
National General$70$140
Safeco$72$130
USAA$74$97
Chubb$81$107
American Family$86$112
Progressive$90$140
Direct Auto$91$165
Nationwide$107$142
GEICO$109$142
Dairyland$117$365
Travelers$122$162
Allstate$127$167
Liberty Mutual$130$227
Bristol West$133$272
The General$135$254
COUNTRY Financial$165$216
Farmers$172$225
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 for Minneapolis teens: State Farm

With less experience on the road, teen drivers are more likely to get into accidents or engage in risky driving behaviors like texting or speeding. Insurers charge more for teens to account for their increased risk. Minneapolis teens pay $251 per month for liability coverage and $412 for full-coverage insurance.

That doesn’t mean teens (and their parents) are stuck with unaffordable premiums, though.

Here are several ways teenage drivers can help lower their insurance costs:

  • Stay on their parents’ insurance policy. Though teens can technically get an insurance policy for themselves, it’s generally much cheaper to stay on a parent’s policy.

  • Do well in school. Many insurers offer good student discounts to teen drivers who maintain a certain GPA.

  • Drive a safe car. Safer cars are typically less expensive to insure. The Insurance Institute for Highway Safety has compiled a list of safe, practical, and affordable vehicles suitable for teen drivers.

Here are the cheapest car insurance companies for teen drivers in Minneapolis:

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
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State Farm$151$199
Auto-Owners$174$229
Safeco$176$317
USAA$178$234
National General$195$390
American Family$214$280
Progressive$221$344
Direct Auto$237$432
Chubb$242$318
Dairyland$255$795
GEICO$263$344
Nationwide$291$384
Liberty Mutual$294$516
The General$302$570
Bristol West$310$633
Allstate$326$428
Travelers$329$436
COUNTRY Financial$333$436
Farmers$446$585
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.

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Minneapolis car insurance quotes by credit tier

Minnesota allows car insurance companies to use your credit-based insurance score to help determine your premium.[4] While your credit history isn’t the only factor used in underwriting to determine your insurance costs, insurers tend to give lower premiums to drivers with good credit and higher premiums to drivers with poor credit.

The good news is that Minneapolis drivers can lower their car insurance costs by improving their credit. Here are the average costs by credit tier in Minneapolis:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Minneapolis?

Full-coverage car insurance in Minneapolis costs an average of $207per month, while liability-only coverage costs an average of $126 per month. In contrast, the national average is $182 monthly for full coverage and $103 for liability-only coverage.

Several factors help explain the difference in cost, including geographic location, population density, and crime statistics. For example, the high average annual snowfall in Minneapolis can affect driving risks and behavior, which can increase insurance rates.[5] Michigan drivers generally pay higher rates than the national average as well, likely due to the state’s no-fault insurance laws.

More cities in Minnesota

Of the largest cities in Minnesota, Minneapolis has the highest average cost of auto insurance. Compare how much drivers in a few Minnesota cities pay for coverage in the table below.

City
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Liability Only
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Full Coverage
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Duluth$82$149
Minneapolis$126$207
Rochester$89$151
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Minneapolis car insurance FAQs

Before you start shopping around for car insurance, you should determine how much auto coverage you need. The following information should help answer your remaining questions about finding the cheapest auto insurance in Minnesota.

  • How much is car insurance in Minneapolis?

    Minneapolis drivers pay an average of $207 per month for full-coverage car insurance and $126 per month for liability coverage. Your exact premium will depend on your insurer, driving record, age, credit history, vehicle type, coverage level, and more.

  • What are the best car insurance companies in Minneapolis?

    With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Minneapolis. The average cost of car insurance from State Farm in the U.S. is $110 per month for full-coverage insurance and $56 for liability coverage. Other top insurers in Minneapolis include Auto-Owners and USAA.

  • What companies have the cheapest car insurance in Minneapolis?

    State Farm is the cheapest auto insurer in Minneapolis, with policyholders paying $76 per month for liability insurance. Safeco and Auto-Owners also offer affordable car insurance, with respective rates of $85 and $88 per month for liability coverage. The best way to find cheap coverage is to compare quotes from multiple insurers at once.

  • Is it illegal to not have car insurance in Minnesota?

    Yes. It’s illegal to drive in Minnesota without car insurance. Drivers in the state must carry minimum amounts of personal injury protection, bodily injury liability coverage, property damage liability coverage, uninsured motorist coverage, and underinsured motorist coverage.

  • Is Minnesota a no-fault state?

    Yes. Minnesota is a no-fault state. After an accident, each driver must turn to their own insurance company for help with paying for damages, regardless of fault.

Methodology

Insurify data scientists analyzed more than 90 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Background on: No-fault auto insurance."
  2. Minnesota Department of Commerce. "Auto Insurance."
  3. Minnesota Department of Public Safety. "Crash Facts."
  4. The Office of Minnesota Attorney General Keith Ellison. "Credit Scores."
  5. Minnesota Public Radio. "Eighth snowiest snow season in the Twin Cities; How much will we add to it today?."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Emily has been a contributor at Insurify since October 2022.

Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • 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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