Cheapest car insurance in Minnesota for a bad driving record

Nationwide, Travelers, State Farm provides affordable car insurance for high-risk drivers with bad driving record in Minnesota.

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.

CompanyAverage annual premium for clean recordAnnual 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

How much is high-risk car insurance in Minnesota?

A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,546 in Minnesota, you can find rates as low as $2,026 from Nationwide.

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.

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Minnesota
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over 2K1 At-fault property damage accident under 2K1 comprehensive claim for over 2k1 comprehensive claim for under 2k2 At-fault property damage accident over 2k2 comprehensive claims for over 2k2 speeding tickets 11 mph or overAt-fault bodily injury accidentCareless drivingDUI/DWI first offenseDUI/DWI second offenseDistracted driving ticketDriving without a license or permitDriving without insuranceFailure to stopFailure to yieldFair creditFollowing too closelyHit and run - injuryHit and run - property damageImproper turnImproper/illegal passLapse of coverage for 7 daysLapse of coverage for 7 to 30 daysLapse of coverage for over 30 daysOperating a vehicle in a race (highway racing)Passing stopped school busPoor creditReckless drivingSR22 Filing OnlySR22 with 1 DUISeatbelt infractionSingle vehicle accident (so the drivers car only)Speeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limitTalking on cellphone ticketTexting ticket
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Minnesota, MN is $2,968
Show Graph View
CompanyAnnual premium for clean recordAnnual 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
Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Minnesota?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Minnesota with a DUI

While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,658.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Minnesota.

CompanyAverage annual premium for clean recordAnnual 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

Cheapest car insurance in Minnesota with multiple tickets

State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,658 or $138.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Minnesota drivers how much multiple tickets increase premiums.

CompanyAverage annual premium for clean recordAnnual 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

Cheapest car insurance in Minnesota with a reckless driving conviction

Drivers with reckless driving conviction can get the cheapest rates from State Farm at $1,658.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

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

CompanyAverage annual premium for clean recordAnnual 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

Cheapest car insurance in Minnesota with bad credit

Based on our research, Nationwide is the cheapest car insurance company for drivers with poor credit, averaging $2,030 or $169. Fortunately, drivers with bad credit can still find 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.

CompanyAnnual premium for good creditAnnual 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

Cheapest car insurance after an accident in Minnesota

State Farm and Nationwide have the lowest car insurance rates after an accident at $1,791 and $1,951, respectively.

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.

CompanyAverage annual premium for clean recordAnnual premium for one at-fault accidentAnnual 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

Cheapest car insurance in Minnesota by city

Lanesboro has the cheapest car insurance rates in Minnesota, averaging $3,231. However, the most expensive city is Minneapolis, with average insurance rates of $4,082.

Where you live in Minnesota also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

CityAverage annual premium for clean recordAnnual 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

How to reduce car insurance rates in Minnesota for a bad driving record

Finding affordable car insurance in Minnesota is possible, even with a bad driving record. 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 Minnesota depends 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.

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