Key Takeaways
- State Farm is our pick for the best cheap car insurance option in Minnesota.
- Auto-Owners and American Family also offer very competitive rates in Minnesota.
- GEICO offers the cheapest average rates for individuals with poor credit.
- ZIP code 55811 has the cheapest average auto insurance rates in the state, while 55130 has the most expensive.
- Minnesota is the 6th-worst driving state.
In this article
The best cheap car insurance companies in Minnesota
State Farm, Auto-Owners and American Family offer the best car insurance rates in Minnesota, according to QuoteWizard research. USAA also offers some of the cheapest car insurance rates to drivers in Minnesota if you qualify for coverage. All four companies offer car insurance rates that are well below the state averages of $71 a month for minimum coverage and $140 a month for full coverage.
- Cheapest Overall: State Farm
- Cheapest with an accident: State Farm
- Cheapest with a DUI: State Farm
- Cheapest with poor credit: GEICO
- Cheapest for teen drivers: State Farm
Cheapest full-coverage auto insurance rates in Minnesota: State Farm
According to our data, State Farm offers the most affordable full-coverage car insurance in Minnesota. The average monthly cost of full-coverage car insurance from State Farm is $104, which is 41% less than the state average of $140.
Auto-Owners and American Family tied for second place, with an average monthly cost of $105. The national average cost of full-coverage car insurance is $162, so Minnesota drivers can save a significant amount of money by choosing State Farm, Auto-Owners or American Family.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $80 | |
| State Farm | $83 | |
| Auto-Owners | $105 | |
| American Family | $105 | |
| Average | $140 | |
| Travelers | $142 | |
| GEICO | $152 | |
| Farmers | $220 | |
| Allstate | $233 | |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *USAA has the cheapest rate if you qualify for membership |
||
Cheapest minimum-coverage auto insurance rates in Minnesota: State Farm
State Farm is the cheapest car insurance company in Minnesota for drivers who want minimum coverage. The average monthly cost of minimum-coverage car insurance from State Farm is just $42. Auto-Owners is the second-cheapest option, with an average monthly cost of $52.
The national average cost of minimum-coverage car insurance is $81 per month. This means Minnesota drivers can save a significant amount of money on car insurance by choosing State Farm or Auto-Owners.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $34 | |
| State Farm | $42 | |
| Auto-Owners | $52 | |
| American Family | $57 | |
| Average | $71 | |
| GEICO | $76 | |
| Travelers | $79 | |
| Farmers | $114 | |
| Allstate | $117 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *USAA has the cheapest rate if you qualify for membership |
||
Cheapest car insurance in Minnesota for drivers with bad credit: GEICO
GEICO offers the cheapest car insurance for drivers with poor credit in Minnesota. The average monthly cost of minimum-coverage car insurance from GEICO is just $109, which is significantly below the state average of $173.
Our study also found that drivers with poor credit pay an average of 144% more for car insurance than drivers in Minnesota with good credit. This is because insurance companies consider drivers with poor credit to be at a higher risk for accidents and claims.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $59 | |
| GEICO | $109 | |
| State Farm | $128 | |
| Auto-Owners | $149 | |
| American Family | $151 | |
| Average | $173 | |
| Allstate | $204 | |
| Farmers | $238 | |
| Travelers | $349 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *USAA has the cheapest rate if you qualify for membership |
||
Cheapest car insurance for drivers in Minnesota with a prior incident
Getting car insurance in Minnesota after a prior incident like a traffic violation or accident can be costly. However, there are several insurers in the state that offer competitive rates to drivers with a less-than-perfect driving record.
State Farm, Auto-Owners and American Family offered competitive rates after an incident such as a speeding ticket, accident or DUI.
Cheapest for drivers with a speeding ticket: State Farm
After receiving a speeding ticket in the state of Minnesota, expect to see your car insurance rate increase by an average of 30%. Allstate customers specifically saw an average increase of 52%. This is why it is important to shop for car insurance quotes after an incident like a speeding ticket to ensure you are getting the best rate available.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $42 | |
| State Farm | $47 | |
| Auto-Owners | $52 | |
| American Family | $68 | |
| Average | $92 | |
| GEICO | $98 | |
| Travelers | $100 | |
| Farmers | $150 | |
| Allstate | $178 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *USAA has the cheapest rate if you qualify for membership |
||
Cheapest for drivers with an at-fault accident: State Farm
According to our data, State Farm offers the cheapest car insurance quotes for drivers with an accident on their record in Minnesota. The company charges an average of $52 per month, which is 58% less than the state average of $123.
The study also found that drivers in Minnesota who have an at-fault accident can expect to see their car insurance rates increase by an average of 73%. This is because insurance companies consider drivers with accidents to be at a higher risk for future accidents.
| Company | Average monthly rate |
|---|---|
| USAA* | $49 |
| State Farm | $51 |
| Auto-Owners | $71 |
| Travelers | $107 |
| Average | $123 |
| GEICO | $147 |
| American Family | $172 |
| Farmers | $181 |
| Allstate | $207 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *USAA has the cheapest rate if you qualify for membership |
|
Cheapest auto insurance for drivers with a DUI: State Farm
After a DUI, you can be certain that your auto insurance cost is going to increase. On average, in the state of Minnesota, drivers with a clean record saw an increase of 97% after receiving a DUI.
| Company | Average monthly rate | |
|---|---|---|
| State Farm | $47 | |
| USAA | $62 | |
| American Family | $104 | |
| Auto-Owners | $114 | |
| Travelers | $130 | |
| Average | $140 | |
| Farmers | $187 | |
| Allstate | $209 | |
| GEICO | $269 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with one DUI on his driving record. | ||
Cheapest auto insurance for senior drivers in Minnesota: State Farm
State Farm offers the cheapest car insurance for senior drivers and is on average 46% less than the state average in Minnesota. Auto-Owners and American Family also provided competitive rates below the state average
| Company | Average monthly rate |
|---|---|
| USAA* | $34 |
| State Farm | $37 |
| Auto-Owners | $49 |
| American Family | $52 |
| GEICO | $64 |
| Average | $69 |
| Travelers | $74 |
| Farmers | $114 |
| Allstate | $129 |
| Rates are for minimum-coverage car insurance for a 65-year-old male with a clean driving record. *USAA has the cheapest rate if you qualify for membership |
|
Cheapest car insurance for teen drivers in Minnesota: State Farm
Due to the lack of experience and risky behavior, the cost of teen car insurance is typically much higher than it is for older drivers. The average price for minimum coverage for an 18-year-old driver in Minnesota is $222. According to our data, this is 213% more than a 35-year-old driver with a clean record.
In Minnesota, State Farm, Auto-Owners and Travelers provide the most competitive rates for teen drivers.
| Company | Average monthly rate | |
|---|---|---|
| USAA* | $77 | |
| State Farm | $115 | |
| Auto-Owners | $119 | |
| Travelers | $184 | |
| American Family | $210 | |
| Average | $222 | |
| Allstate | $223 | |
| GEICO | $264 | |
| Farmers | $585 | |
| Rates are for minimum-coverage car insurance for an 18-year-old male with a clean driving record. *USAA has the cheapest rate if you qualify for membership |
||
Cheapest auto insurance for married drivers in Minnesota: State Farm
State Farm has the lowest price quote In Minnesota for married drivers. The state average for married drivers is $70 per month for minimum-coverage car insurance. State Farm, Auto-Owners and American Family came in less than the average price of car insurance for married drivers.
If you're a married driver in Minnesota, it's worth getting a quote from multiple companies. This could save you a significant amount of money on your car insurance premiums.
| Company | Average monthly rate | |
|---|---|---|
| USAA* | $30 | |
| State Farm | $42 | |
| Auto-Owners | $52 | |
| American Family | $57 | |
| Average | $70 | |
| GEICO | $73 | |
| Travelers | $79 | |
| Allstate | $108 | |
| Farmers | $117 | |
| Rates are for minimum-coverage car insurance for a married 35-year-old male with a good driving record. *USAA has the cheapest rate if you qualify for membership |
||
Cheapest car insurance in Minnesota based on gender: State Farm
When analyzing costs for car insurance in Minnesota based on gender, we found that the typical 35-year-old female with a clean driving record pays slightly more than male drivers of the same age.
| Company | Male | Female |
|---|---|---|
| USAA* | $34 | $38 |
| State Farm | $42 | $42 |
| Auto-Owners | $52 | $52 |
| American Family | $57 | $57 |
| Average | $71 | $76 |
| GEICO | $76 | $69 |
| Travelers | $79 | $83 |
| Farmers | $114 | $143 |
| Allstate | $117 | $124 |
| Rates are for minimum-coverage car insurance for 35-year-old males and females with a good driving record. *USAA has the cheapest rate if you qualify for membership |
||
Cheapest and most expensive car insurance in Minnesota by zip code
We analyzed thousands of rates from 101 different ZIP codes in the state of Minnesota. We found that average car insurance prices were the lowest in the 55811 ZIP code and the highest in the 55130 ZIP code.
| ZIP code | Average annual rate |
|---|---|
| 55811 | $620 |
| 55804 | $622 |
| 55810 | $623 |
| 55902 | $624 |
| 55803 | $631 |
| 55812 | $634 |
| 55901 | $638 |
| 55904 | $639 |
| 55906 | $641 |
| 55805 | $642 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
| ZIP code | Average annual rate |
|---|---|
| 55130 | $1,142 |
| 55411 | $1,141 |
| 55430 | $1,104 |
| 55101 | $1,101 |
| 55106 | $1,094 |
| 55404 | $1,087 |
| 55103 | $1,079 |
| 55454 | $1,068 |
| 55415 | $1,059 |
| 55107 | $1,054 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
What are the car insurance requirements in Minnesota?
Minnesota law requires drivers to carry the following liability car insurance limits:
- Bodily injury per person: $30,000
- Bodily injury per accident: $60,000
- Property damage liability per accident: $10,000
Due to being a no-fault state, Minnesota drivers are also required to carry the following amounts of personal injury protection (PIP) and uninsured/underinsured motorist insurance:
- Personal injury protection: $40,000
- Uninsured motorist insurance per person: $25,000
- Uninsured motorist insurance per accident: $50,000
- Underinsured motorist insurance per person: $25,000
- Underinsured motorist insurance per accident: $50,000
While these limits fulfill state legal requirements, they shouldn't be considered adequate protection. If you are responsible for a major accident, chances are minimum coverage would not cover serious injury or replacement of a totaled car. Any costs beyond the limits of your policy would have to be paid out of your pocket. To avoid this financial peril, we recommend you raise your liability coverage limits to:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
SR-22 insurance in Minnesota
An SR-22 is a certificate of financial responsibility that's often required for drivers who have had certain issues with their driving record, such as serious traffic offenses, DUI/DWI convictions or at-fault accidents without insurance. It's not a type of insurance, but rather a document that proves you have the minimum required amount of liability insurance for the state.
You may need to file an SR-22 in Minnesota if you're convicted of:
- DUI or DWI
- Reckless driving
- Driving without insurance
In the state of Minnesota, you are required to keep an SR-22 certificate on file for one year. After one year, you can contact your insurance company and ask them to remove the file.
Minnesota driver report
In a recent study, QuoteWizard looked at the best and worst driving cities in the state of Minnesota as well as road conditions and incident rates based on age. We found that compared to the rest of the U.S., Minnesota lies in the 20th spot for best drivers and the 36th spot for the worst road conditions in the nation.
Best and worst drivers in Minnesota
As part of our study we found that Minnesota ranks 23rd in the U.S. for distracted driving. The study looked at data from the National Highway Traffic Safety Administration (NHTSA) and found that Minnesota had 1,843 fatal crashes from 2017 to 2021, with 7% of those involving a distracted driver.
Best Drivers by City
- Edina
- White Bear Lake
- Plymouth
- Blaine
- Brooklyn Park
- Winona
- New Brighton
- Rosemount
- St. Cloud
- Apple Valley
Worst Drivers by City
- Maplewood
- Oakdale
- St. Louis Park
- Austin
- Minnetonka
- Faribault
- Elk River
- Lino Lakes
- Andover
- Savage
Rating Minnesota's road infrastructure and how it impacts drivers
Minnesota ranks 36th in the United States for having some of the worst road conditions. This costs drivers a significant amount of money each year to improve and maintain. Our team of analysts looked at the conditions of roads and bridges nationwide and found that Minnesota has a high percentage of roads and bridges in poor condition.
- 9% of roads are in “non-acceptable” condition.
- 4% of bridges are in poor condition.
- Poor road and bridge conditions cost drivers an average of $543 per year.
- Ranks as the 36th worst state.
Best and worst drivers by age group
As in most states, Minnesota drivers under the age of 20 have more dangerous driving incidents than any other age group. Those in the 80+ age group saw the lowest incident rates.
Minnesota car insurance FAQs
The average cost of minimum-coverage car insurance in Minnesota is $71 per month. The Average cost for full-coverage is $140 per month.
Yes it is illegal to drive without insurance in the state of Minnesota. Driving without insurance in the state of Minnesota could land you a misdemeanor offense with a $200-$1000 fine.
State Farm is our pick for the cheapest insurance option in the state of Minnesota.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across the state of Minnesota. Unless otherwise noted, our sample driver is a single 35-year-old. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Driver report: QuoteWizard analyzed over 100,000 car insurance quotes to determine Minnesota's best- and worst-driving cities. Drivers were evaluated based on the number of accidents, citations, speeding tickets and DUIs in each city. QuoteWizard evaluated Federal Highway Administration data on road and bridge quality to determine the number of roads and bridges in “poor” or “unacceptable” condition.
Auto insurance by city
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.