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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Average car insurance rates sit slightly below the national average in the state of Minnesota, with drivers paying $141 per month. Minnesota has a lower fatal crash rate than most other states, which may be one of the reasons why car insurance is more affordable.[1]
Our data shows that some car insurance companies offer rates below the statewide average. For example, State Farm, Auto-Owners, and Safeco are the cheapest, with liability rates starting as low as $62 per month.
Here’s what to know about car insurance in Minnesota, the best insurers for various driver types, how to choose the right company, and how to save on your coverage.
State Farm offers the cheapest coverage in Minnesota, with average monthly premiums of $62.
Minnesota drivers pay an average of $101 per month for liability insurance and $182 for full coverage.
Minnesota requires all drivers to buy personal injury protection (PIP), liability insurance, and uninsured/underinsured motorist coverage.[2]
Several car insurance companies in Minnesota offer affordable rates, and researching potential discounts may help you save even more on your coverage. The insurers below offer some of the cheapest rates in Minnesota, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $62 |
| Auto-Owners | $71 |
| Safeco | $72 |
| USAA | $75 |
| National General | $78 |
| American Family | $89 |
| Chubb | $90 |
| Direct Auto | $98 |
| Progressive | $104 |
| GEICO | $113 |
| Nationwide | $117 |
| Travelers | $128 |
| Dairyland | $128 |
| Allstate | $129 |
| Liberty Mutual | $131 |
| The General | $142 |
| Bristol West | $143 |
| COUNTRY Financial | $164 |
| Farmers | $180 |
State Farm offers the lowest auto insurance rates in Minnesota, with an average rate of $62 per month.
Other insurers may offer lower rates depending on your coverage needs and driver profile. We’ll cover that in more detail next.
It’s helpful to understand average rates as you shop for coverage, but remember that Minnesota insurers consider many factors when determining your premiums, including your age, driving record, address, and more.
Here are the cheapest insurers for different drivers and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $62 |
| Full coverage | State Farm | $82 |
| Teens | State Farm | $124 |
| Seniors | State Farm | $46 |
| Drivers with a speeding ticket | State Farm | $75 |
| Drivers with an at-fault accident | State Farm | $77 |
| Drivers with a DUI | State Farm | $95 |
| Drivers with excellent credit | State Farm | $52 |
| Drivers with poor credit | State Farm | $85 |
Let’s look at coverage needs and driver profiles in more detail in the sections below.
Comparing quotes can save you up to $867.†
Minnesota drivers need to buy state-minimum coverage to be roadworthy. While meeting state minimums could help keep your insurance costs low, experts generally recommend buying more coverage for additional protection.[3]
If you decide the state minimum is the better choice, the table below shows the five cheapest companies, according to our research.
Purchasing full-coverage car insurance is often a wise decision, as it gives you the financial protection you’ll likely need if you get into a car accident. Leasing companies and lenders also require you to buy full coverage to protect their collateral.[4]
Full coverage typically includes liability, comprehensive, and collision insurance. It may also include personal injury protection (PIP) or medical payments coverage. Comprehensive insurance pays for car damage due to incidents, such as vandalism or severe weather. Collision coverage pays for damage to your car due to an accident, no matter who’s at fault.
Minnesota drivers pay an average of $182 per month for full-coverage insurance. The chart below shows the five cheapest insurers in Minnesota for full coverage, according to our data.
Insurance companies typically charge teenage drivers higher premiums because they have less experience behind the wheel. Unfortunately, that inexperience can increase the likelihood of car accidents. The fatal crash rate for teen drivers is nearly three times higher than other age groups, according to the Centers for Disease Control and Prevention.[5]
Teen drivers in Minnesota pay a monthly average of $291 for car insurance. Fortunately, there are ways to save on coverage. Start by getting quotes from the five cheapest insurers in Minnesota for teens in the chart below, according to our data.
While insurers charge higher premiums for teens, insurance rates for seniors tend to be the lowest of any age group. This is partly because fatal crash rates among seniors have declined in recent years, and older adults often drive fewer miles, according to the Insurance Institute for Highway Safety.[6]
The average rate for seniors in Minnesota is $110 per month, though some companies may offer even lower rates. The following companies offer the cheapest rates to seniors in Minnesota, according to Compare.com data.
Getting a ticket can result in higher car insurance rates. Our data shows that drivers with a single speeding ticket pay 37% more for car insurance nationwide. Minnesota drivers with a speeding ticket pay an average of $173 per month for car insurance.
But several insurers offer lower rates. Here are the five cheapest insurers in Minnesota for drivers with a recent ticket, according to Compare.com data.
Your car insurance rates will also typically go up after an at-fault accident. We found that drivers with a single at-fault accident pay 41% more for coverage nationwide. The average monthly rate for Minnesota drivers with a recent accident is $175 per month, but the insurers in the table below may offer cheaper coverage, according to our research.
If you have a DUI conviction on your record, your insurance rates will be substantially higher compared to other incidents. Our research indicates that drivers with a DUI pay 61% more for car insurance than drivers with a clean record.
The average monthly rate for Minnesota drivers with a DUI is $227. But a DUI doesn’t mean you’ll pay expensive auto insurance rates forever.
The insurers below offer the cheapest car insurance rates after a DUI, according to our data.
Minnesota allows insurers to consider your credit history as a rating factor when calculating your car insurance premiums.[7] Past credit mistakes can make your insurance more expensive because insurers view people with poor credit as a financial risk.
In fact, our data shows that drivers with poor credit pay an average of 20% more for auto insurance than people with excellent credit. In Minnesota, drivers with poor credit pay an average of $170 per month.
Fortunately, not all insurance companies look at your credit history, and some offer relatively affordable rates. If you’re a Minnesota driver with less-than-perfect credit, these insurers offer more affordable rates, according to Compare.com data.
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Finding the right car insurance policy would be simple if one insurer were best for everyone. Unfortunately, this isn’t the case. The best car insurance company for you will depend on your unique driver profile.
That said, the following companies serve as a good starting point if you’re shopping for coverage. To come up with our list of top insurers, we looked at average rates, available discounts, customer ratings and reviews, and coverage options.
Compare.com Rating: 4.81 out of 5
Average full-coverage premium: $100 per month
Great mobile app
High customer satisfaction ratings
Quotes available online
Exclusively for servicemembers, veterans, and eligible family members
Fewer discounts than some competitors
Limited coverage options
USAA offers cheap auto coverage for military members, veterans, and their qualifying family members. Nearly 300,000 veterans live in Minnesota, so this insurer could be an excellent option if you’re eligible for coverage.
The insurance company offers highly rated customer services and discounts, such as for bundling, new cars, anti-theft devices, and being a good student. Members with a car on a military base can save up to 15%.
Compare.com Rating: 4.88 out of 5
Average full-coverage premium: $155 per month
High customer satisfaction ratings
Several coverage options
Highly rated for financial stability
Higher rates than some competitors
Fewer discounts than some competitors
Available discounts vary by state
Nationwide is a great choice for Minnesota drivers seeking good customer service and flexible coverage options. It received a higher-than-average customer satisfaction rating in the North Central U.S. region in the J.D. Power 2024 U.S. Auto Insurance Study. Insurance credit rating company AM Best also rates it highly for financial stability.[8]
Compare.com Rating: 5.00 out of 5
Average full-coverage premium: $82 per month
High customer satisfaction ratings
Many discounts available
Very low rates
Accident forgiveness not available
Gap insurance not available
Limited coverage options
State Farm is our top pick for Minnesota drivers interested in usage-based insurance. With its Drive Safe and Save program, you could earn a discount of up to 30% on your car insurance. The program tracks and scores things like your braking and acceleration, and the safer you drive, the more likely you’ll save on auto coverage.
Local rates start as low as $62 per month.
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Minnesota requires all drivers to have auto insurance, and its minimum coverage amounts are higher than many other states. You’ll need the following coverage to drive legally in the state.
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $10,000 per accident
Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident
Personal injury protection: $40,000 per person and per accident
For most drivers, minimum coverage isn’t enough. Experts recommend buying more than the minimum amount of car insurance coverage. For instance, you’ll likely want to buy collision coverage to protect your car if you experience a major car accident.
Paying for expensive repairs out of pocket could be financially devastating, so while the state doesn’t require this coverage, many people choose to purchase it for greater financial protection. That said, if you lease your vehicle or have a car loan, lenders typically require collision and comprehensive coverage.
If you’re still wondering about Minnesota auto insurance, here are some common questions to help you get the right coverage.
Minnesota drivers pay an average of $141 per month for car insurance, according to our data. State-minimum coverage costs $101 per month, on average, and full coverage is $182.
The cheapest auto insurance company in Minnesota is State Farm, with an average monthly rate of $62, according to our research.
Not really. The state average rate in Minnesota is $141 per month, according to our data. For comparison’s sake, the national average rate is $149. Remember, car insurance costs depend on many factors, including your driving history, age, and address.
Minnesota requires every driver to have 30/60/10 in liability coverage, $40,000 per person and $40,000 per accident in personal injury protection, plus $25,000 per person and $50,000 per accident in uninsured motorist coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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