Best car insurance companies in Minnesota: Auto-Owners

Auto-Owners, Travelers, State Farm, Nationwide and Allstate are the best car insurance companies in Minnesota, based on a data analysis by

Below is a full list of the top Minnesota car insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total score is calculated out of five using these factors.

CompanyAM BestJD scoreAverage annual premium
State FarmA++8330.73.51$1,525
Automobile Club MI (AAA)A7860.772.75$1,636

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Minnesota: Nationwide

We gathered price quotes from all the major insurance providers in Minnesota and compiled a list of the cheapest car insurance companies. Based on a rate analysis by, Nationwide offers the cheapest full-coverage auto insurance in Minnesota, with average rates of $1,363 annually or $113 a month.

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.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
State Farm$378$421$1,525
Automobile Club MI (AAA)$507$553$1,636
North Star Mutual$374$420$2,257
Western National Mutual$497$581$2,769

*USAA offers car insurance only to military members, veterans, and their families.

Data updated in 2024
Read our full methodology

Average cost of car insurance in Minnesota

The average car insurance cost in Minnesota is $1,911 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by For the state minimum coverage, the average annual cost in Minnesota is $475.

Auto insurance calculator

Average auto insurance rates in Minnesota
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
55107 - St. Paul
For a 30-year-old male
$68 State minimum
$193 Full coverage
$73 Liability only

Most & least expensive ZIP codes for auto insurance in Minnesota

Most Expensive

ZIP codeCityHighest rate
55101St. Paul$210
55130St. Paul$209
55103St. Paul$208

Least Expensive

ZIP codeCityLowest rate
56003North Mankato$143
Data updated in 2024
Read our full methodology

Minnesota car insurance requirements

You need car insurance with minimum coverage levels of 30/60/10 in Minnesota, which costs $466 each year or $39 each month.

Minimum liability insurance requirements for Minnesota:

  • Bodily injury liability (BI): $30,000 per person, $60,000 per accident
  • Property damage liability (PD):$10,000 per accident
  • Personal injury protection (PIP): $40,000 per person
  • Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident

Cheapest car insurance companies for minimum liability coverage in Minnesota

According to, Auto-Owners has the cheapest state minimum liability coverage, at $355 per year or $30 each month. USAA offers cheaper rates but is available only to military veterans and their families.  

Here are the most affordable car insurance companies for state minimum coverage in Minnesota.

State minimum auto insurance coverage in Minnesota, MN
Company Liability insurance premiumMonthly liability insurance premium
State Farm$378$32
North Star Mutual$384$32
Western National Mutual$497$41
Automobile Club MI (AAA)$516$43

*USAA offers coverage only to military veterans and their family

Data updated in 2024
Read our full methodology

Cheapest car insurance in Minnesota by age

Cheapest for teens
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Cheapest for adults
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Cheapest for seniors
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In Minnesota, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.

Auto-Owners offers the cheapest car insurance for teen drivers in Minnesota at $3,540 per year for a full coverage policy.

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In Minnesota, Nationwide offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,333 per year and $1,191 per year, respectively.

Compare car insurance rates by age

Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.

Age group
State Farm$4,600$383
North Star Mutual$5,440$453
Automobile Club MI (AAA)$7,030$586
Western National Mutual$8,493$708
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Minnesota by driver profile

Cheapest for at-fault accident
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Cheapest for DUI
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Cheapest for speeding ticket
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Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance. 

However, the severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.

Below are average Minnesota rates by company for drivers with accidents and tickets on their driving record. 

CompanyClean recordAccidentSpeeding ticket
State Farm$1,525$1,791$1,658
Auto Club Group - ACG (AAA)$1,636$3,245$3,037

*USAA offers car insurance only to military members, veterans, and their families.

Data updated in 2024
Read our full methodology

Compare auto insurance rates by city in Minnesota

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Minnesota.

CityAnnual insurance premium
Apple Valley
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Minnesota have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices. commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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