Cheapest Auto Insurance in Minneapolis, Minnesota (2025)
Safeco has the cheapest liability insurance in Minneapolis, with a rate of $86 per month.
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Written byEmily Guy Birken
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Ganadora del Premio Plutus
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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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Reviewed byDaniel Roccato
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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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Table of contents
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 $128 for liability coverage, insurance in the City of Lakes is more expensive than the national liability average of $105.
Liability insurance in Minneapolis also costs more than the Minnesota state average of $103 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
Safeco, National General, and Progressive have the cheapest liability insurance in Minneapolis.
The average cost of full-coverage insurance is $223 per month in Minneapolis, $192 in Minnesota, and $197 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  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $118 | $55 | Cheap rates |
| Auto-Owners | 8.5 | $69 | $33 | Optional coverage |
| USAA | 9.4 | $99 | $47 | Military 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 | 4.2 |
|---|---|
| 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. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
4.2
Best choiceBased on 10,174 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,605)
Charlotte
March 24, 2025
Verified Review
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
David
March 24, 2025
Verified Review
Good
They're just alright, but they keep increasing my insurance for no apparent reason.
Troy
March 24, 2025
Verified Review
Unjustified Increases
I don't appreciate the continuous increases without any reason or explanation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 | 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. | 8.5 /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. | $33/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. | $69/mo |
4.0
Best choiceBased on 171 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 (107)
Sandra
March 24, 2025
Verified Review
Who is my agent?
The service is fair, but it depends on which function was performed.
Mike
March 21, 2025
Verified Review
Just Wow
The good thing is that the company I work with is family-oriented. The bad thing is that my rate was tripled without any notice.
Glinis
March 19, 2025
Verified Review
Great people, high cost
Customer Service is great. However, the cost of the policy is expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/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. | $99/mo |
4.9
Best choiceBased on 1,833 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 (1,055)
Charles
March 24, 2025
Verified Review
An Irritated Customer at CD
The pricing settlement for older vehicles in good condition is very poor. As a master technician, I keep my vehicles in excellent condition. However, when I had an accident, my high-mileage vehicle was undervalued, not considering its mechanical condition. Despite replacing most of the drivetrain components, suspension parts, and the A/C & heating components, my vehicle was valued thousands of dollars less. I was denied the proper settlement I was due. I repaired all the damage post-accident, finished the cosmetic issues, and even repainted the entire vehicle. I sent pictures to claims to verify the upgraded condition. Unfortunately, it seems most insurance companies use similar tactics to obtain a good salvage price, and they are quick to total vehicles, thereby robbing their customers of the true value. Apart from not having a local agent to discuss these issues, I remain a customer of USAA, even after they raised my homeowners insurance by over $2500 in one increase. This is a tough pill to swallow on a fixed income.
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 March 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 $86 per month
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Cheapest liability-only car insurance in Minneapolis: Safeco
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 $128 per month. The following insurers offer the cheapest liability-only car insurance in Minneapolis:
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Safeco | $86 |
| National General | $89 |
| Progressive | $105 |
| Direct Auto | $112 |
| Liberty Mutual | $163 |
| Bristol West | $166 |
| The General | $199 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco
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 $223 for full coverage. The following insurers offer the cheapest full-coverage car insurance in Minneapolis:
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Safeco | $159 |
| National General | $181 |
| Progressive | $182 |
| Direct Auto | $210 |
| Liberty Mutual | $296 |
| Bristol West | $342 |
| The General | $397 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 using Insurify have found quotes as cheap as $47/mo for liability only and $83/mo for full coverage in Minneapolis and other Minnesota cities.
*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 25, 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 March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 25, 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 | Minimum Requirements |
|---|---|
| Personal injury protection (PIP) |
|
| 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:
Collision coverage
Collision insurance will pay for the damage to your vehicle if you cause an accident.
Comprehensive coverage
Comprehensive insurance will pay to repair or replace your car if it’s damaged due to something other than an accident.
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 $162 per month for liability coverage and $283 for full-coverage insurance.
Even if you don’t have a spotless driving record, you can still find affordable car insurance in Minneapolis.
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Cheapest car insurance for drivers with a speeding ticket: Safeco
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 $187 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: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Safeco | $86 | $117 |
| National General | $89 | $119 |
| Progressive | $105 | $140 |
| Direct Auto | $112 | $150 |
| Liberty Mutual | $163 | $232 |
| Bristol West | $166 | $224 |
| The General | $199 | $276 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco
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 $190 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: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Safeco | $86 | $121 |
| National General | $89 | $121 |
| Progressive | $105 | $148 |
| Direct Auto | $112 | $158 |
| Liberty Mutual | $163 | $237 |
| Bristol West | $166 | $229 |
| The General | $199 | $282 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco
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 $216 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: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Safeco | $86 | $137 |
| National General | $89 | $147 |
| Progressive | $105 | $174 |
| Direct Auto | $112 | $185 |
| Liberty Mutual | $163 | $270 |
| Bristol West | $166 | $275 |
| The General | $199 | $330 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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?
Cheapest car insurance for Minneapolis seniors: National General
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 $93 per month for liability coverage and $163 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: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| National General | $63 | $128 |
| Safeco | $70 | $129 |
| Progressive | $70 | $121 |
| Direct Auto | $81 | $152 |
| Bristol West | $125 | $258 |
| Liberty Mutual | $127 | $231 |
| The General | $149 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Safeco
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 $256 per month for liability coverage and $445 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: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Safeco | $182 | $336 |
| National General | $189 | $385 |
| Progressive | $201 | $348 |
| Direct Auto | $225 | $422 |
| Liberty Mutual | $303 | $551 |
| Bristol West | $307 | $633 |
| The General | $349 | $696 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $223per month, while liability-only coverage costs an average of $128 per month. In contrast, the national average is $197 monthly for full coverage and $105 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 | Liability Only | Full Coverage |
|---|---|---|
| Duluth | $86 | $162 |
| Minneapolis | $128 | $223 |
| Rochester | $92 | $163 |
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.
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 $223 per month for full-coverage car insurance and $128 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 $118 per month for full-coverage insurance and $55 for liability coverage. Other top insurers in Minneapolis include Auto-Owners and USAA.
What companies have the cheapest car insurance in Minneapolis?
Safeco is the cheapest auto insurer in Minneapolis, with policyholders paying $86 per month for liability insurance. National General and Progressive also offer affordable car insurance, with respective rates of $89 and $105 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 50+ 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
- 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
- Insurance Information Institute. "Background on: No-fault auto insurance."
- Minnesota Department of Commerce. "Auto Insurance."
- Minnesota Department of Public Safety. "Crash Facts."
- The Office of Minnesota Attorney General Keith Ellison. "Credit Scores."
- Minnesota Public Radio. "Eighth snowiest snow season in the Twin Cities; How much will we add to it today?."
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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.
Edited byDanny 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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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.