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Nationwide Mutual offers the cheapest auto insurance rates in Minnesota at about $708 a year or $59 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.

Best auto insurance companies in Minnesota

Based on Insurance.com's rate analysis, Safeco is our top pick for the best auto insurance company in Minnesota. It has earned 4.7 auto star rating, highest among the carriers surveyed. Apart from Safeco, Auto-Owners, American Family, Farmers and Travelers are the other top performers on the list of best car insurance companies.

Compare insurance providers based on their auto star ratings and decide which one is the right option for you.

CompanyAuto star ratings
Safeco4.7
Auto-Owners4.2
American Family4.1
Farmers4.1
Travelers3.9
State Farm3.5
Progressive3.4
Hartford3.1

Cheapest car insurance companies in Minnesota

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Minnesota and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide Mutual is the cheapest auto insurance company in Minnesota that offers insurance policies at $708 annually or $59 a month, on average.

CompanyAverage annual premiumAverage monthly premium
Nationwide Mutual$708$59
State Farm Mutl Automobile Ins$800$67
USAA Casualty$874$73
American Family$994$83
Standard Fire$1,114$93
Owners$1,270$106
Metropolitan P&C$1,276$106
GEICO General$1,342$112
Allstate Ind Co$1,683$140
MemberSelect$1,792$149

Cheapest car insurance cost in Minnesota for teens

State Farm is the cheapest car insurance company in Minnesota for teen drivers. Its average annual premium for teenagers is $2,691 or $224 a month.

The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.

CompanyAverage annual premium
State Farm Mut Auto$2,691
Geico Gen$3,890
Allstate Ind Co$5,780
Amco$5,900
Illinois Farmers$6,503
Progressive Preferred$6,647

Cheapest car insurance cost in Minnesota for young adults

State Farm is the cheapest car insurance company in Minnesota for young adults, based on Insurance.com's rate analysis. Its average annual premium is $1,919 or $160 a month.

The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.

If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren't students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.

CompanyAverage annual premium
State Farm Mut Auto$1,919
Progressive Preferred$2,162
Geico Gen$2,182
Illinois Farmers$2,374
Amco$2,508
Allstate Ind Co$3,383

Cheapest car insurance cost in Minnesota for adults

State Farm is the cheapest car insurance company in Minnesota for adults. Its average annual premium is $1,235 or $103 a month.

When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.

Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.

CompanyAverage annual premium
State Farm Mut Auto$1,235
Geico Gen$1,360
Progressive Preferred$1,396
Amco$1,450
Illinois Farmers$1,667
Allstate Ind Co$2,106

Cheapest car insurance cost in Minnesota for seniors

State Farm is the cheapest auto insurance company for senior drivers in Minnesota. Its average annual premium is $1,129 or $94 a month.

Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.

CompanyAverage annual premium
State Farm Mut Auto$1,129
Progressive Preferred$1,212
Amco$1,316
Geico Gen$1,351
Illinois Farmers$1,535
Allstate Ind Co$2,188

Cheapest Car Insurance Companies in Minnesota by Driver Profile

While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn't have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.

Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Minnesota.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $1,357 or $113 a month. It's important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price

CompanyAverage annual premium
Nationwide$1,357
Geico$2,014
State Farm$2,419
American Family$2,552
USAA$3,108
Owners$3,407
Metropolitan$3,980
Allstate$4,195
Standard Fire$4,691
MemberSelect$5,350

Cheapest auto insurance for drivers with a speeding tickets: State Farm

State Farm is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Minnesota drivers is $1,126, based on a rate analysis by Insurance.com.

If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.

The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Minnesota.

CompanyAverage annual premium
State Farm$1,126
Nationwide$1,234
USAA$1,567
Owners$1,710
American Family$1,758
Metropolitan$2,114
Standard Fire$2,257
Geico$2,426
Allstate$3,033
MemberSelect$3,299

Cheapest auto insurance after at-fault accident: State Farm

State Farm is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $1,217. The only way to get cheap car insurance after an accident is by comparing rates. So, don't forget to compare insurers based on their average annual premium to get an affordable rate.

CompanyAverage annual premium
State Farm$1,217
Nationwide$1,310
American Family$1,361
USAA$1,767
Owners$1,811
Standard Fire$2,225
Geico$2,729
Metropolitan$2,917
MemberSelect$3,205
Allstate$3,568

Cheapest auto insurance after a DUI: State Farm

The cheapest car insurance company for drivers with a DUI is State Farm. Its average premium cost is $1,126 or $94 a month.

When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.

CompanyAverage annual premium
State Farm$1,126
Nationwide$1,537
American Family$1,758
USAA$2,336
Standard Fire$2,576
Owners$2,590
Metropolitan$3,685
Allstate$3,702
Geico$4,964
MemberSelect$7,776

Average cost of car insurance in Minnesota

The average car insurance rate in Minnesota is $1,185 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s -$271 more than the national average $1,456. For the state minimum coverage, the average annual cost in Minnesota is $285.

State minimum average annual rateFull coverage average annual rate
$285$1,185