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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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Minneapolis drivers pay an average cost of $153 per month for car insurance — higher than the $125 state average. Minneapolis is Minnesota’s most densely populated city, which may contribute to its higher-than-average rates. But you can still find cheap rates from several insurance companies.
For example, State Farm, Safeco, and Auto-Owners offer the cheapest car insurance rates in Minneapolis. State Farm has the cheapest average rate, at $72 per month.
We’ll cover everything you need to know about finding the cheapest auto insurance companies in Minneapolis and what to look for in a policy.
State Farm offers the cheapest car insurance in Minneapolis, with an average monthly rate of $72.
Minneapolis drivers pay an average of $118 per month for liability coverage and $187 for full coverage.
American Family, State Farm, and Auto-Owners are our top picks for Minneapolis auto insurers.
Finding the best auto insurance can be difficult because everyone has different requirements. To help you narrow down your search, we reviewed the top insurance companies in Minneapolis, rating them based on affordability, available discounts, customer service rankings, and more.
Here are the best companies for car insurance in Minneapolis.
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| 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. | $89/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. | $135/mo |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
With its Midwest origins, Minneapolis drivers can expect American Family to understand the local perils they face and promptly respond to their claims.
American Family has top customer satisfaction ratings from J.D. Power and scores above average in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.
If you’re looking for quality customer service, American Family is a solid choice.
Many available discounts
Lower-than-average number of customer complaints
Snowmobile coverage available
Cheaper rates may be available elsewhere
Rideshare insurance not available
Poorly rated usage-based insurance program
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| 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. | $62/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. | $93/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Minnesotans are no strangers to snowy, icy winters, and severe weather can really damage your car. If you’re looking to get full coverage to protect your car against weather events, State Farm is an affordable option. The insurer offers some of the cheapest coverage in Minneapolis.
Plus, the company has a solid amount of discounts, including for being a good driver, bundling, vehicle safety, and defensive driving courses.
High customer satisfaction ratings
Emergency road service coverage available
24/7 claims service
Accident forgiveness not available
Doesn’t offer gap insurance
High rates for high-risk drivers
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| 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. | $71/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. | $108/mo |
Drivers value the excellent customer service and coverage but feel the prices, especially for homeowners, can be high.
Drivers value the excellent customer service and coverage but feel the prices, especially for homeowners, can be high.
If you value local service, Auto-Owners is a solid option. With 20 offices in the Minneapolis area and a regional headquarters in Lake Elmo, you can easily get local, in-person service. The insurer also has high customer satisfaction ratings, affordable rates, and plenty of discounts.
If you value high-quality, in-person service, Auto-Owners is a great option.
Many local agents
Accident forgiveness available
Affordable rates
Quotes not available online
No usage-based or telematics programs
Low Trustpilot rating
No matter Minneapolis’ average car insurance rates, you can still find ways to save money on your policy. Many car insurance companies in the city offer below-average rates.
The table below shows Minneapolis’ cheapest car insurance companies, according to Compare.com data. If you’re not sure which car insurance company is right for you, this table is a good place to start your search.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $78/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $95/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $90/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $111/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $95/mo* |
Overall Rating 3.9 | Overall Rating 4.0 | Overall Rating 4.3 | Overall Rating 3.3 | Overall Rating 4.2 |
Value 4.0/5 | Value 4.2/5 | Value 3.5/5 | Value 3.0/5 | Value 4.9/5 |
Customer Service 4.4/5 | Customer Service 4.4/5 | Customer Service 3.7/5 | Customer Service 3.0/5 | Customer Service 4.4/5 |
Claims Handling 3.9/5 | Claims Handling 4.0/5 | Claims Handling 3.7/5 | Claims Handling 3.0/5 | Claims Handling 4.1/5 |
Special Highlight N/AAI-generated from 295 user reviews | Special Highlight N/AAI-generated from 13 user reviews | Special Highlight N/AAI-generated from 9 user reviews | Special Highlight N/AAI-generated from 24 user reviews | Special Highlight N/AAI-generated from 65 user reviews |
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Like most states, Minnesota requires all drivers to purchase car insurance before they get behind the wheel. The Gopher State’s minimum coverage requirements include:
$30,000 per person and $60,000 per accident of bodily injury liability car insurance
$10,000 of property damage liability car insurance
$40,000 of personal injury protection (PIP) insurance
$25,000 per person and $50,000 per accident of UM/UIM coverage
While you need liability insurance to legally drive in Minneapolis, most drivers opt for extra coverage. This is because the minimum liability insurance pays only for the other driver’s injuries and vehicle damages, not your own.
Full-coverage car insurance, which includes the state-minimum liability coverages, plus collision and comprehensive insurance, protects you and your car.
While most drivers can benefit from full coverage, if you’ve completely paid off your car and can afford to repair or replace it, you may be able to get away with only liability insurance.
If you’re interested in getting more than just the state-minimum amount of insurance, here are some more coverages to consider:
Collision: Collision insurance is part of full coverage. It covers damage to your car in an at-fault accident, as well as any other collisions. For example, if you fishtail on an icy highway and hit a guardrail, collision insurance can help.
Comprehensive: Comprehensive insurance is also a part of full coverage. It covers damage from weather, vandalism, theft, and more.
Roadside assistance: Roadside assistance insurance helps to cover flats, tows, jump-starts, lockouts, and more.
Gap insurance: If you total your car before you’ve paid off your loan, you still owe that loan. Gap insurance helps to pay the “gap” between what your insurance pays out for your totaled car and what you owe on your loan.
While the car insurance companies in the table above are a good place to start, your exact rates may vary based on factors like your location, age, and driving record.
The table below highlights the cheapest car insurance companies in Minneapolis for various kinds of drivers, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $72 |
| Full coverage | State Farm | $106 |
| Teens | State Farm | $146 |
| Seniors | State Farm | $55 |
| Drivers with a speeding ticket | State Farm | $89 |
| Drivers with an at-fault accident | State Farm | $91 |
| Drivers with a DUI | State Farm | $97 |
| Drivers with excellent credit | State Farm | $59 |
| Drivers with poor credit | Safeco | $96 |
Drivers in Minneapolis pay an average of $118 per month for state-minimum car insurance. While you need liability coverage to legally drive, most insurance experts strongly recommend buying more coverage. That’s because liability coverage pays only for injuries and damages to the other driver and their vehicle if you cause an accident, not your own expenses.[1]
Take a look at the chart below for the five cheapest companies for liability-only coverage in Minneapolis, according to our research.
Liability insurance only covers the other car and its driver and passengers if you cause an accident. But it doesn’t cover your own vehicle.
That’s where full coverage comes in. Full coverage includes comprehensive and collision insurance. It covers you in an accident regardless of fault, in other collisions, and against damage from weather, theft, and vandalism.
On average, full coverage costs $187 per month in Minneapolis, according to our data.
Minnesota doesn’t require full coverage, but if you have a lease or a loan, your lender may require it. Full coverage is helpful for all drivers, especially if you can’t afford to replace or repair your car after an accident.
In the table below, you can see the cheapest full-coverage rates for Minneapolis drivers, according to Compare.com data.
Rates in Minneapolis start at $72 per month.
Insurers often consider you a higher risk after you get a speeding ticket, and they’ll increase your rates to cover that additional risk. Our research shows that a single speeding ticket increases average car insurance rates by 29% nationwide.
Minneapolis drivers with a recent ticket pay a monthly average of $188. That said, several car insurance companies still offer cheaper rates. Take a look at the chart below for the five cheapest car insurance companies in Minneapolis for people with a recent ticket, according to Compare.com data.
Your car insurance company will almost always increase your rates if you cause an accident. It indicates that you’re not a safe driver and that you’ll likely file claims in the future. Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Minneapolis drivers with a recent accident pay an average of $192 per month for car insurance. But you can still often find a better deal.
Take a look at the chart below for the five cheapest car insurance companies in Minneapolis for drivers with a recent accident, according to Compare.com data.
Driving under the influence (DUI) will cause the most significant rate increase of any driving infraction. Car insurance companies consider drivers with DUIs extremely risky to insure and will raise your rates drastically. Our research shows that a DUI increases average car insurance rates by 58% nationwide. On top of that, some companies may refuse to insure you altogether.
On average, Minneapolis drivers with a DUI conviction pay $187 per month for car insurance. That said, you’re not necessarily stuck paying these high rates. The chart below shows Minneapolis’ five cheapest car insurance companies for drivers with a DUI, according to Compare.com data.
Teen drivers pay some of the most expensive car insurance rates of any age group. Car insurance companies consider them risky to insure because they don’t have much experience behind the wheel. In fact, teens are actually almost four times as likely to get into an accident as drivers older than 20, according to the Insurance Institute for Highway Safety (IIHS).[2]
Teen drivers in Minneapolis pay an average of $311 per month for auto insurance. But even with higher rates, teens can still find good deals on coverage.
The chart below shows the five cheapest car insurance companies for teen drivers in Minneapolis, according to Compare.com data.
Senior drivers often enjoy some of the cheapest car insurance rates of any age group due to their experience behind the wheel. Insurers consider seniors less risky to insure, but costs can increase again once you reach 70.
On average, Minneapolis seniors pay $124 per month for car insurance. But you can often find a better deal from the five insurers in the chart below.
Many car insurance companies use your credit history when determining your car insurance rates.[3] Insurers often factor it into a credit-based insurance score, which helps them determine your likelihood of filing a claim. Our research shows that drivers with poor credit pay 38% more on average than drivers with excellent credit.
Minneapolis drivers with poor credit pay an average of $177 monthly for auto insurance. But not all companies consider your credit history, and some still offer affordable rates to drivers with poor credit.
The chart below shows the five cheapest insurers for Minneapolis drivers with poor credit, according to Compare.com data.
Local rates start as low as $72 per month.
Finding the right car insurance policy can be challenging. Take a look at these answers to some of the most commonly asked questions about Minneapolis auto insurance.
Car insurance in Minneapolis costs an average of $153 per month, according to Compare.com data. Minneapolis drivers pay an average of $118 per month for liability insurance and $187 for full coverage.
State Farm offers the cheapest auto insurance in Minneapolis, with an average rate of $72 per month, according to our research. But it might not be the cheapest car insurance company for you, because every driver is unique. You should always compare car insurance quotes from at least three insurance companies before buying a policy.
Our picks for the top insurance companies in Minneapolis include American Family, State Farm, and Auto-Owners. But the best insurance company for you depends on your individual profile, so it’s important to compare multiple quotes.
It depends. Minneapolis drivers pay an average of $153 per month, compared to the national average of $138. But your car insurance costs depend on several factors, including your age, driving record, credit history, and location.
It depends. Everyone can benefit from getting more than the state-minimum amount of coverage. Liability coverage doesn’t protect you or your car if you cause an accident. Getting full coverage can give you more protection in an accident and covers other types of damage, such as weather and theft.
If you can’t afford to repair or replace your car, it’s worth getting full 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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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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