Cheapest car insurance for high-risk drivers in Minnesota

Which company has the cheapest car insurance in Minnesota for a bad driving record?

Nationwide offers the cheapest average car insurance rate for high-risk drivers in Minnesota at $2,026 a year. Travelers and State Farm also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Nationwide	$1,363	$2,026
Travelers	$1,618	$2,895
State Farm	$1,525	$3,094
Auto-Owners	$1,693	$3,191
Allstate	$2,388	$3,798
GEICO	$2,495	$4,593
Auto Club Group - ACG (AAA)	$1,636	$4,833
USAA	$1,382	$2,178

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How much is high-risk car insurance in Minnesota?

State Farm has the cheapest average DUI insurance rates in Minnesota at $1,658 per year. Drivers with a DUI often see some of the largest premium increases because insurers consider a bad driving record a major risk factor.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

Average annual car insurance rate for At-fault bodily injury accident in Minnesota, MN is $2,968

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Company	Annual premium for clean record	Annual premium after violation
State Farm	$1,525	$1,791
Nationwide	$1,363	$1,951
USAA	$1,382	$2,017
Auto-Owners	$1,693	$2,145
Travelers	$1,618	$2,369
Auto Club Group - ACG (AAA)	$1,636	$3,245
Allstate	$2,388	$4,038
GEICO	$2,495	$4,223

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Average annual rate

People ask

Who is considered a high-risk driver in Minnesota?

Drivers in Minnesota are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

What company offers the cheapest car insurance in Minnesota after a DUI?

State Farm offers the cheapest average rates after a DUI in Minnesota at $1,658 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Minnesota for drivers with a clean record versus those with a DUI.

Company	Average annual premium for clean record	Annual premium for a DUI
State Farm	$1,525	$1,658
Nationwide	$1,363	$2,316
Travelers	$1,618	$2,747
Auto-Owners	$1,693	$3,179
Allstate	$2,388	$4,030
GEICO	$2,495	$7,791
Auto Club Group - ACG (AAA)	$1,636	$7,861
USAA	$1,382	$2,566

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What is the cheapest car insurance in Minnesota with multiple tickets?

State Farm has the cheapest average rates for drivers with multiple tickets at $1,658 annually or $138 monthly.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Minnesota how much having multiple tickets can raise their insurance premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
State Farm	$1,525	$1,658
Nationwide	$1,363	$1,831
Auto-Owners	$1,693	$2,169
Travelers	$1,618	$2,409
Auto Club Group - ACG (AAA)	$1,636	$3,037
Allstate	$2,388	$3,311
GEICO	$2,495	$3,735
USAA	$1,382	$1,701

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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Minnesota?

State Farm provides the cheapest average reckless driving insurance rates in Minnesota at $1,658 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,525	$1,658
Nationwide	$1,363	$2,316
Travelers	$1,618	$2,517
Auto-Owners	$1,693	$3,179
Allstate	$2,388	$4,030
GEICO	$2,495	$5,503
Auto Club Group - ACG (AAA)	$1,636	$7,861
USAA	$1,382	$2,070

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Minnesota?

The cheapest Minnesota insurer for bad credit is Nationwide, with rates averaging $2,030 per year or $169 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Minnesota car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,363	$2,030
GEICO	$2,495	$3,058
Auto Club Group - ACG (AAA)	$1,636	$4,161
Allstate	$2,388	$4,800
Travelers	$1,618	$4,883
Auto-Owners	$1,693	$5,265
State Farm	$1,525	$10,271
USAA	$1,382	$3,332

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What company has the cheapest car insurance in Minnesota after an accident?

State Farm has the cheapest average rates after an accident at $1,791 per year. Nationwide also offers lower-than-average rates at $1,951 annually.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
State Farm	$1,525	$1,791	$1,791
Nationwide	$1,363	$1,951	$2,416
Auto-Owners	$1,693	$2,145	$2,703
Travelers	$1,618	$2,318	$2,944
Auto Club Group - ACG (AAA)	$1,636	$3,245	$5,117
Allstate	$2,388	$4,038	$6,001
GEICO	$2,495	$4,223	$7,404
USAA	$1,382	$2,017	$3,442

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Minnesota?

Lanesboro has the cheapest average high-risk insurance premiums in Minnesota at $3,231 annually. Meanwhile, Minneapolis has the highest average rates at $4,082 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

City	Average annual premium for clean record	Annual premium for high-risk driver
Lanesboro	$1,817	$3,231
Dumont	$1,849	$3,274
Frazee	$1,881	$3,328
Foley	$1,949	$3,493
Apple Valley	$1,917	$3,535
Champlin	$1,929	$3,539
Carlton	$1,988	$3,547
Bovey	$2,017	$3,568
St. Paul	$2,164	$4,048
Minneapolis	$2,188	$4,082

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How can high-risk drivers lower their car insurance rates in Minnesota?

High-risk drivers in Minnesota can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

People ask

How long are you considered a high-risk driver in Minnesota?

Three years is common, but how long you are considered a high-risk driver in Minnesotadepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

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.

All base rate 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

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Minnesota

Can high-risk drivers get full coverage car insurance in Minnesota?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Minnesota?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.