Cheapest Auto Insurance in Minneapolis, Minnesota (2024)

Safeco has the cheapest liability insurance in Minneapolis, with a rate of $69 per month.

Emily Guy Birken
Emily Guy Birken
  • Plutus Award winner

  • 12+ years writing about insurance and personal finance

Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.

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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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Updated May 27, 2024

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Cheapest recent rates near Minneapolis, Minnesota

Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $96/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 May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 27, 2024. 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 May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 27, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $104. Liability insurance in Minneapolis also costs more than the Minnesota state average of $102 per month, likely due to high population density and 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, Liberty Mutual, and Midvale Home & Auto have the cheapest liability insurance in Minneapolis.

  • The average cost of full-coverage insurance is $242 per month in Minneapolis, $204 in Minnesota, and $215 in the U.S.

  • Minnesota is a no-fault state that requires personal injury protection 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 score.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$115$53Cheap rates
Auto-Owners4.3$81$38Optional coverage
USAA4.7$99$45Military members
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$115/mo

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

Read our State Farm review
Thomas - May 26, 2024
Verified

Service Quality?

There's no contact, they just raise prices.

Clarence - May 26, 2024
Verified

No Rating Yet

The monthly rate they quoted me is not what they promised. I will consider a better rate and am not going to accept this one.

Diane - May 26, 2024
Verified

Cost

The pricing is too high.

Best insurer for optional coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$38/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.
$81/mo

Auto-Owners has offered affordable car insurance and a robust list of discounts since its founding in 1916.

Pros
  • Offers many discounts 

  • At-fault accident forgiveness available

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

  • Lower mobile app rating than other insurers

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$45/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

Since 1922, USAA has been committed to offering affordable car insurance to active-duty military members, veterans, and their families.

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

  • Offers usage-based auto insurance

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

  • No live 24/7 customer service 

Read our USAA review
Helen - May 26, 2024
Verified

Excellent

Four or five star service.

John - May 24, 2024
Verified

I give their customer support a thumbs down

They treat you like a fraudster with their pin and password, SS number verification. They are not very friendly either; they act like you are inconveniencing them and just want to go home at 5 pm. My anxiety increases when I call them.

Robin - May 24, 2024
Verified

Overall Good Value for the Price

They're okay. I would recommend them.
Top 10 Cheapest Car Insurance Companies for May 2024

Top 10 Cheapest Car Insurance Companies for May 2024

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.

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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 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco69
Liberty Mutual102
Midvale Home & Auto103
Progressive105
Direct Auto112
Bristol West152
The General203
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 $242 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, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco135
Midvale Home & Auto155
Progressive171
Liberty Mutual213
Direct Auto216
Bristol West330
The General447
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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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:

CoverageMinimum Requirements
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 $164 per month for liability coverage and $316 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. The National Highway Traffic Safety Administration found 31% of traffic deaths in 2020 in Minnesota were related to speeding.[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 $183 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Safeco6992
Liberty Mutual102147
Midvale Home & Auto103139
Progressive105138
Direct Auto112148
Bristol West152197
The General203269
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.

On average, Minneapolis drivers with a past accident pay $189 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Safeco6991
Liberty Mutual102152
Midvale Home & Auto103149
Progressive105146
Direct Auto112157
Bristol West152205
The General203283
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 $214 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Safeco69117
Liberty Mutual102172
Midvale Home & Auto103174
Progressive105178
Direct Auto112189
Bristol West152257
The General203343
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?

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for Minneapolis seniors: Safeco

Car insurance rates are highest for young drivers, but premiums tend to decrease for drivers around age 35. But costs go up again about four decades later. Around age 70, many drivers begin to have slower reflexes and reaction times and often experience other physical declines that affect their driving. Insurers increase rates for older drivers to reflect this risk.

The average cost of car insurance for senior drivers in Minneapolis is $82 per month for liability coverage and $158 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, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Safeco4997
Progressive66108
Midvale Home & Auto69104
Liberty Mutual72149
Direct Auto76147
Bristol West108235
The General149327
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

Teenagers don’t have much driving experience, which can translate into riskier behavior behind the wheel. As a result, insurance companies charge the highest rates to teen drivers. Minneapolis teens pay $231 per month for liability coverage and $444 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, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Safeco145285
Midvale Home & Auto181272
Liberty Mutual192400
Progressive192312
Direct Auto206398
Bristol West261568
The General332732
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 $242per month, while liability-only coverage costs an average of $126 per month. In contrast, the national average is $215 monthly for full coverage and $104 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.

CityLiability OnlyFull Coverage
Duluth$87$160
Minneapolis$126$242
Rochester$87$179
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 $242 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 4.6 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 $115 per month for full-coverage insurance and $53 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 $69 per month for liability insurance. Liberty Mutual and Midvale Home & Auto also offer affordable car insurance, with respective rates of $102 and $103 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
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. National Highway Traffic Safety Administration. "Speeding."
  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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
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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