- Cheapest car insurance in Minnesota for a bad driving record
- How much is high-risk car insurance in Minnesota?
- Cheapest car insurance in Minnesota with a DUI
- Cheapest car insurance in Minnesota with multiple tickets
- Cheapest car insurance in Minnesota with a reckless driving conviction
- Cheapest car insurance in Minnesota with bad credit
- Cheapest car insurance after an accident in Minnesota
- Cheapest car insurance in Minnesota by city
- How to reduce car insurance rates in Minnesota for a bad driving record
- Compare Minnesota high-risk driver car insurance rates with other states
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.
| 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 |
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.
| 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 |
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.
| 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 |
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.
| 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 |
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.
| 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 |
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.
| 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 |
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.
| 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 |
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.
| 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 |
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.
Compare Minnesota high-risk driver car insurance rates with other states
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