Cheapest Auto Insurance in Minneapolis, Minnesota (2025)

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.

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	$117	$55	Cheap rates
Auto-Owners	8.5	$68	$32	Optional coverage
USAA	9.4	$98	$47	Military members

• How Insurify rates insurance companies

  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

cheap rates

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User Reviews	4.2 5,993 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /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.	$117/mo

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Driver Reviews

4.2

Best choiceBased on 11,093 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 (5,993)

Kevin

May 14, 2025

Verified Review

Friends in Need

The main thing with SF is their rates; in my opinion, they are too high. The good side is that they are understanding and prompt. My wife and I have had 3 or 4 cars covered by SF plus home insurance. They always treat us fairly, just so high!

Robert

May 14, 2025

Verified Review

State Farm needs help

Good for car insurance but difficult getting claims approved on homeowners.

Sergio

May 14, 2025

Verified Review

Look very carefully before switching.

I don't have anything bad to say about State Farm. To compare with another company, it's important to look carefully at options. All options should be equal before deciding which company to choose.

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JD Power

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

842

NAIC Index

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

0.78

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

Optional coverage

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User Reviews	3.9 117 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /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.	$32/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.	$68/mo

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Driver Reviews

3.9

A solid optionBased on 195 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 (117)

Jason

May 8, 2025

Verified Review

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Lois

April 20, 2025

Verified Review

Contract

I signed a contract for one price after the agent inspected my house. However, a few months later, another man came out and raised the premium. The contract didn't seem to mean a thing!

Richard

April 19, 2025

Verified Review

Time to Compare Rates

I have had no problems with Auto-Owners, I just want to compare rates.

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Our Advice

JD Power

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

837

NAIC Index

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

0.5

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

military members

Compare Quotes

User Reviews	4.9 1,177 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.4 /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.	$98/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,063 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 (1,177)

Anthony

May 13, 2025

Verified Review

Dare to compare

Very happy overall, with the exception of cost increases.

John

May 12, 2025

Verified Review

Rates

Their rates have gone up significantly, and as a result, I will be looking at alternatives.

Dawn

May 11, 2025

Verified Review

The premiums are too high, I've only had one claim so I'm already shopping

I've been with them for ten years now and I've only had one claim. Now I'm being treated like a convict.

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Our Advice

JD Power

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

880

NAIC Index

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

1.35

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 

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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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, May 1 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, May 1 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.

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)	$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:

• 

  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 $282 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, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Safeco	$86	$118
National General	$89	$119
Progressive	$105	$141
Direct Auto	$112	$151
Liberty Mutual	$163	$231
Bristol West	$166	$225
The General	$199	$277

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: National General

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, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Safeco	$86	$123
National General	$89	$121
Progressive	$105	$148
Direct Auto	$112	$158
Liberty Mutual	$163	$236
Bristol West	$166	$229
The General	$199	$281

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 $215 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 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Safeco	$86	$139
National General	$89	$146
Progressive	$105	$173
Direct Auto	$112	$184
Liberty Mutual	$163	$268
Bristol West	$166	$273
The General	$199	$328

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 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 $95 per month for liability coverage and $165 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 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
National General	$64	$129
Safeco	$70	$129
Progressive	$70	$122
Direct Auto	$81	$153
Bristol West	$126	$260
Liberty Mutual	$127	$231
The General	$150	$299

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 $254 per month for liability coverage and $442 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 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Safeco	$182	$336
National General	$187	$379
Progressive	$201	$349
Direct Auto	$226	$425
Liberty Mutual	$302	$549
Bristol West	$307	$633
The General	$347	$692

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:

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 $195 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