Cheapest car insurance for high-risk drivers in Minnesota

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

Drivers with a poor record in Minnesota will find the lowest rates from Nationwide, Travelers and State Farm. Among these, Nationwide provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,026 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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 a high-risk driver 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.

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

While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,658 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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

For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $1,658 per year or $138 per month.

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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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,658 per year.

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.

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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Key insight

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

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 annually or $169 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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 lowest rates after an accident at $1,791 a year. Nationwide also has affordable rates at $1,951 a year.

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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Key insight

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

Which city has the cheapest car insurance for high-risk drivers in Minnesota?

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

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: