The Cheapest Auto Insurance Companies in Minneapolis, Minnesota, in 2025

Safeco offers the cheapest car insurance rates in Minneapolis. But your exact rate will likely differ based on your driving habits and other factors.

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Danny Smith
Written byDanny Smith
Danny Smith
Danny SmithInsurance Writer

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.

Matthew Gross
Edited byMatthew Gross
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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Minneapolis drivers pay an average cost of $177 per month for car insurance — higher than the $149 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, Safeco, National General, and Direct Auto offer the cheapest car insurance rates in Minneapolis. Safeco has the cheapest average rate, at $86 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.

Key Takeaways
  • Safeco offers the cheapest car insurance in Minneapolis, with an average monthly rate of $86.

  • Minneapolis drivers pay an average of $129 per month for liability coverage and $225 for full coverage.

  • Minnesota requires drivers to have liability, uninsured/underinsured motorist (UM/UIM), and personal injury protection (PIP) car insurance.[1]

The Cheapest Car Insurance Companies in Minneapolis, Minnesota

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.

The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT
Company
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Average Monthly Premium
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Safeco$86
National General$91
Direct Auto$113
Progressive$117
Liberty Mutual$160
Bristol West$169
The General$197
Disclaimer: Table data sourced from real-time quotes from Compare.com'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.

Safeco offers the cheapest car insurance in Minneapolis, with an average monthly rate of $86. Remember, though, that this is only an average — the cheapest car insurance company for you may differ based on your age, driving habits, and more.

Let’s take a look at some of the best car insurance companies in Minneapolis for different types of drivers.

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Cheapest Car Insurance in Minneapolis by Driver and Coverage Type

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/Coverage Type
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Cheapest Insurer
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Insurer’s Average Monthly Premium
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State-minimum coverageSafeco$86
Full coverageSafeco$153
TeensSafeco$183
SeniorsNational General$65
Drivers with a speeding ticketSafeco$118
Drivers with an at-fault accidentSafeco$123
Drivers with a DUISafeco$138
Drivers with excellent creditSafeco$80
Drivers with poor creditSafeco$106
Disclaimer: Table data sourced from real-time quotes from Compare.com'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.

Let’s take a closer look at the average prices different Minneapolis drivers pay for auto coverage.

Cheapest state-minimum coverage: Safeco

Drivers in Minneapolis pay an average of $129 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.[2]

Take a look at the chart below for the five cheapest companies for liability-only coverage in Minneapolis, according to our research.

Average Liability Rates by Company

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full coverage: Safeco

Most drivers should consider purchasing full-coverage car insurance because it provides more protection than liability-only coverage. It includes liability insurance, collision insurance, and comprehensive coverage, which covers you and your car if you’re in an accident.

Collision insurance pays for damages if you hit another car or object, while comprehensive coverage pays for damages from things like natural disasters, theft, and vandalism. If you finance or lease your vehicle, your lender will likely require you to buy full-coverage car insurance.

Minneapolis drivers pay an average of $225 per month for full-coverage insurance. But you can still find companies offering full-coverage insurance for rates close to the average cost of liability-only coverage.

The chart below highlights the cheapest car insurance companies in Minneapolis for full-coverage car insurance, according to Compare.com research.

Average Full-Coverage Rates by Company

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest for teens: Safeco

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).[3]

Teen drivers in Minneapolis pay an average of $351 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.

Average Rates for Teens

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest for seniors: National General

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 $131 per month for car insurance. But you can often find a better deal from the five insurers in the chart below.

Average Rates for Seniors

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest after a ticket: Safeco

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 $259. 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.

Average Rates With a Ticket

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest after an accident: Safeco

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 $262 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.

Average Rates With an Accident

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest after a DUI: Safeco

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 $297 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.

Average Rates With a DUI

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest for bad credit: Safeco

Many car insurance companies use your credit history when determining your car insurance rates.[4] 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 $224 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.

Average Rates With Bad Credit

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Minnesota Auto Insurance Requirements

City skyline with modern skyscrapers and historic stone bridge over a river, under a cloudy sky at sunset.

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:

Is minimum coverage enough in Minneapolis?

While you need liability insurance to legally drive in Minneapolis, most drivers opt for extra coverage. That’s because minimum liability insurance pays only for the other driver’s injuries and vehicle damages, not your own.

Most insurance experts recommend buying full-coverage car insurance, which includes the state-minimum liability coverages, plus collision and comprehensive insurance. Your injuries and vehicle damages can get expensive quickly, and you’ll have to pay for them out of pocket without collision and comprehensive coverage.

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Minneapolis Auto Insurance FAQs

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.

  • How much is car insurance in Minneapolis?

    Car insurance in Minneapolis costs an average of $177 per month, according to Compare.com data. Minneapolis drivers pay an average of $129 per month for liability insurance and $225 for full coverage.

  • What’s the cheapest auto insurance company in Minneapolis?

    Safeco offers the cheapest auto insurance in Minneapolis, with an average rate of $86 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.

  • Is car insurance in Minneapolis expensive?

    It depends. Minneapolis drivers pay an average of $177 per month, compared to the national average of $150. But your car insurance costs depend on several factors, including your age, driving record, credit history, and location.

Methodology

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.

Sources

  1. Minnesota Commerce Department. "Auto Insurance Guide."
  2. Insurance Information Institute. "How much auto coverage do I need?."
  3. Insurance Institute for Highway Safety. "Teenagers."
  4. National Association of Insurance Commissioners. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
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Danny Smith
Danny SmithInsurance Writer

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.

Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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