- Best car insurance company in Minnesota: Auto-Owners
- Cheapest car insurance company in Minnesota: Travelers
- Average cost of car insurance in Minnesota
- Minnesota car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Minnesota
- Cheapest car insurance in Minnesota by age
- Cheapest car insurance companies in Minnesota by driver profile
- Compare auto insurance rates by city in Minnesota
- Car insurance premium trends in Minnesota
- Methodology
- Compare Minnesota car insurance rates with other states
Best car insurance company in Minnesota: Auto-Owners
Auto-Owners, State Farm, Nationwide, Travelers, GEICO and Allstate are the best car insurance companies in Minnesota, based on our data analysis.
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 Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A+ | 663 | 0.54 | $1,693 | 4.66 |
| State Farm | A++ | 647 | 0.79 | $1,525 | 4.41 |
| Nationwide | A | 628 | 0.63 | $1,363 | 4.21 |
| Travelers | A++ | 613 | 0.52 | $1,618 | 4.07 |
| GEICO | A++ | 622 | 0.69 | $2,495 | 3.43 |
| Allstate | A+ | 629 | 1.1 | $2,388 | 3.18 |
| USAA | A++ | 759 | 1.18 | $1,382 | 4.49 |
Cheapest car insurance company in Minnesota: Travelers
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 Insurance.com, Travelers offers the cheapest full-coverage auto insurance in Minnesota, with average rates of $1,776 annually or $148 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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $575 | $601 | $1,776 |
| Auto-Owners | $384 | $410 | $1,864 |
| Auto Club Group - ACG (AAA) | $515 | $565 | $2,035 |
| State Farm | $564 | $639 | $2,404 |
| Nationwide | $1,128 | $1,115 | $2,515 |
| Allstate | $665 | $711 | $2,883 |
| North Star Mutual | $439 | $488 | $3,161 |
| GEICO | $579 | $655 | $3,406 |
| Western National Insurance | $644 | $742 | $4,298 |
| USAA | $384 | $433 | $1,713 |
*USAA offers car insurance only to military members, veterans, and their families.
Average cost of car insurance in Minnesota
The average car insurance cost in Minnesota is $2,561 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 Insurance.com. For the state minimum coverage, the average annual cost in Minnesota is $585.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Minnesota
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Brooklyn Park | $992 | $83 |
| Fridley | $986 | $82 |
| New Hope | $964 | $80 |
| Robbinsdale | $959 | $80 |
| Maplewood | $958 | $80 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Columbia Heights | $1,030 | $86 |
| Minneapolis | $1,044 | $87 |
| Brooklyn Center | $1,059 | $88 |
| St. Paul | $1,062 | $88 |
| Strathcona | $542 | $45 |
The Minnesota Department of Insurance says...
The Minnesota No-Fault Automobile Insurance Act requires Minnesota residents and nonresidents to maintain basic economic loss benefits and automobile liability coverage (also known as Personal Injury ProtectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. or PIP) on vehicles they own.
- The Minnesota Department of InsuranceMinnesota car insurance requirements
You need car insurance with minimum coverage levels of 30/60/10 in Minnesota, which costs $585 each year or $49 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. 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 Insurance.com, Auto-Owners has the cheapest state minimum liability coverage, at $410 per year or $34 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.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Auto-Owners | $410 | $34 |
| North Star Mutual | $488 | $41 |
| Auto Club Group - ACG (AAA) | $565 | $47 |
| Travelers | $601 | $50 |
| State Farm | $639 | $53 |
| GEICO | $655 | $55 |
| Allstate | $711 | $59 |
| Western National Insurance | $742 | $62 |
| Nationwide | $1,115 | $93 |
| USAA | $433 | $36 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance in Minnesota by age
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 a 16-year-old driver in Minnesota at $4,511 per year.
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, USAA offers the cheapest car insurance for a 25-year-old driver at $2,003 per year. Travelers offers the cheapest car insurance for a 65-year-old driver at $1,539 per year.
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.
| Auto-Owners | $4,511 | $376 |
| Travelers | $6,635 | $553 |
| USAA | $6,709 | $559 |
| State Farm | $7,401 | $617 |
| North Star Mutual | $7,414 | $618 |
| Nationwide | $8,175 | $681 |
| Auto Club Group - ACG (AAA) | $8,555 | $713 |
| Allstate | $8,890 | $741 |
| GEICO | $10,837 | $903 |
| Western National Insurance | $12,394 | $1,033 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Minnesota by driver profile
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.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Auto-Owners | $1,864 | $2,361 | $2,387 |
| State Farm | $2,404 | $2,824 | $2,614 |
| Travelers | $1,776 | $2,544 | $2,644 |
| Nationwide | $2,515 | $3,602 | $3,380 |
| Auto Club Group - ACG (AAA) | $2,035 | $4,036 | $3,777 |
| Allstate | $2,883 | $4,876 | $3,998 |
| GEICO | $3,406 | $5,764 | $5,100 |
| USAA | $1,713 | $2,499 | $2,108 |
*USAA offers car insurance only to military members, veterans, and their families.
Compare auto insurance rates by city in Minnesota
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Minnesota will impact what you pay. Below, we've gathered Minnesota car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Apple Valley | $1,917 |
Bovey | $2,017 |
Minneapolis | $2,188 |
Car insurance premium trends in Minnesota
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Minnesota to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Minnesota car insurance rates with other states
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