- Cheapest car insurance for high-risk drivers in Minnesota
- Average rates for high-risk drivers in Minnesota by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Minnesota
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Minnesota is State Farm, followed by Nationwide and American Family.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,715 | $143 |
| Nationwide | $1,763 | $147 |
| American Family | $2,322 | $194 |
| Auto-Owners | $2,757 | $230 |
| Geico | $2,992 | $249 |
| Travelers | $3,253 | $271 |
| Allstate | $4,137 | $345 |
| Auto Club Enterprises (AAA) | $4,326 | $361 |
| Automobile Club of MI (AAA) | $4,459 | $372 |
| USAA | $2,035 | $170 |
Average rates for high-risk drivers in Minnesota by driving record
Average cost of car insurance in Minnesota for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,568 |
| American Family | $1,582 |
| Nationwide | $1,699 |
| USAA | $1,897 |
| Auto-Owners | $2,161 |
| Travelers | $2,550 |
| Auto Club Enterprises (AAA) | $2,745 |
| Geico | $2,793 |
| Automobile Club of MI (AAA) | $2,841 |
| Allstate | $4,302 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Minnesota for a driver with a DUI is State Farm with an average annual of $1,439 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,439 | $120 |
| Nationwide | $2,011 | $168 |
| American Family | $2,049 | $171 |
| Travelers | $2,972 | $248 |
| Auto-Owners | $3,220 | $268 |
| Allstate | $4,450 | $371 |
| Geico | $4,951 | $413 |
| Auto Club Enterprises (AAA) | $6,501 | $542 |
| Automobile Club of MI (AAA) | $6,677 | $556 |
| USAA | $2,405 | $200 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Minnesota, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,439 per year or $120 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,439 | $120 |
| Nationwide | $1,601 | $133 |
| Auto-Owners | $2,023 | $169 |
| American Family | $2,049 | $171 |
| Geico | $2,472 | $206 |
| Travelers | $2,592 | $216 |
| Auto Club Enterprises (AAA) | $2,821 | $235 |
| Automobile Club of MI (AAA) | $2,918 | $243 |
| Allstate | $3,656 | $305 |
| USAA | $1,603 | $134 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Minnesota, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,439 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,439 | $120 |
| Nationwide | $2,011 | $168 |
| American Family | $2,681 | $223 |
| Travelers | $2,724 | $227 |
| Auto-Owners | $3,220 | $268 |
| Geico | $3,639 | $303 |
| Allstate | $4,450 | $371 |
| Auto Club Enterprises (AAA) | $6,501 | $542 |
| Automobile Club of MI (AAA) | $6,677 | $556 |
| USAA | $1,941 | $162 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Minnesota is Nationwide with an average annual cost of $1,754 or $146 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,754 | $146 |
| Geico | $1,945 | $162 |
| American Family | $3,056 | $255 |
| State Farm | $3,095 | $258 |
| Auto-Owners | $4,035 | $336 |
| Auto Club Enterprises (AAA) | $4,491 | $374 |
| Automobile Club of MI (AAA) | $4,644 | $387 |
| Allstate | $4,956 | $413 |
| Travelers | $6,048 | $504 |
| USAA | $3,054 | $255 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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