Cheapest car insurance for high-risk drivers in Minnesota

Cheapest car insurance in Minnesota for a bad driving record

If you have a poor driving record in Minnesota, Nationwide, Travelers, State Farm are the cheapest options. Nationwide has the lowest annual rate at $2,026 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

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?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Minnesota, high-risk car insurance costs $3,546 per year. However, you can get rates as low as $2,026 annually 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.

Read on as we explain high-risk car insurance factors and rates below.

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 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 a year.

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.

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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Cheapest car insurance in Minnesota with multiple tickets

The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $1,658 annually or $138 monthly.

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.

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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Cheapest car insurance in Minnesota with a reckless driving conviction

State Farm has the cheapest rates for drivers with reckless driving convictions at $1,658 a 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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Cheapest car insurance in Minnesota with bad credit

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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Cheapest car insurance after an accident in Minnesota

State Farm offers the lowest rates after an accident, averaging $1,791 per year. Nationwide is another budget-friendly option, with rates around $1,951 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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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Cheapest car insurance in Minnesota by city

In Minnesota, the lowest car insurance rates are found in Lanesboro, averaging $3,231 annually. On the other hand, Minneapolis has the highest rates at $4,082 a year.

Where you live in Minnesota matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

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 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 California 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.

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.