Key Takeaways
- Travelers offers the cheapest full coverage in Minnesota at $142 per month.
- Minimum coverage is available for a low average rate of $38 per month from Westfield.
- On average, Minnesota drivers pay $63 per month for minimum coverage and $205 per month for full coverage.
- Geico is an affordable choice for Minnesota drivers with bad credit, while Auto-Owners offers lower rates for drivers with a recent at-fault accident.
Finding cheap car insurance in Minnesota isn’t always easy, but it’s not impossible, either. We at the MarketWatch Guides team have reviewed the best car insurance companies with the cheapest rates in Land of 10,000 Lakes.
To help you find the best deal for your Minnesota car, we’ll cover company ratings, reviews, coverage, insurance laws and more — with estimates for drivers from different profiles and a list of recommended providers.
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Which Company Offers the Best Car Insurance Rates in Minnesota?
Overall, Travelers offers the most affordable car insurance in Minnesota at $142 per month for full coverage. For those interested in minimum coverage, Westfield has affordable monthly rates of $38.
All cost information in this article comes from Quadrant Information Services and is based on the profile of a 35-year-old driver with good credit and a clean driving record, unless stated otherwise.
Cheapest Car insurance Rates in Minnesota
While Minnesota’s average rates for good drivers are lower than national averages, your actual rates will vary based on your unique driver profile. Below, we break down the cheapest providers in Minnesota for different coverage types and driver backgrounds.
| Cheapest Car Insurance in Minnesota (by Category) | Company | Average Monthly Premium |
|---|---|---|
| Minimum Liability Coverage | Westfield | $38 |
| Full Coverage | Travelers | $142 |
| Young Drivers | Travelers | $327 |
| Seniors | Travelers | $128 |
| After a Speeding Ticket | Travelers | $184 |
| After an Accident | Travelers | $198 |
| After a DUI | Western National Insurance | $214 |
| Bad Credit | Geico | $247 |
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Cheapest Car Insurance Companies in Minnesota
- Travelers
- USAA
- Auto-Owners Insurance
- Geico
Use the links above to learn more about each of the cheapest car insurance companies in Minnesota. Because insurance coverage rates are slightly cheaper in Minnesota than the national average, you have a good chance at finding great car insurance in Minnesota at excellent prices. Below, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.
Cheapest Large Car Insurance Companies in Minnesota
When shopping for car insurance, it’s important to look at providers’ prices while considering factors like claims satisfaction and discount availability. Below you’ll find the average rates for our top three large insurance companies in Minnesota. You’ll also see their number of discounts and the kinds of drivers that find the best rates at these companies.
| Cheapest Large Car Insurance Companies in Minnesota | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap for | Learn More |
|---|---|---|---|---|---|
TravelersLearn More | $738 | $1,702 | 12 | Most drivers | Learn More |
USAALearn More | $498 | $1,930 | 13 | Military members | Learn More |
GeicoLearn More | $747 | $2,297 | 12 | Drivers with poor credit | Learn More |
| Cheapest Large Car Insurance Companies in Minnesota | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap for | Learn More |
|---|---|---|---|---|---|
TravelersLearn More | $738 | $1,702 | 12 | Most drivers | Learn More |
USAALearn More | $498 | $1,930 | 13 | Military members | Learn More |
GeicoLearn More | $747 | $2,297 | 12 | Drivers with poor credit | Learn More |
Keep reading: Largest Auto Insurance Providers
Cheapest Midsize Insurance Companies in Minnesota
Midsize insurance companies may not be as well known as large insurance providers but can still offer affordable rates for select Minnesota drivers.
| Cheapest Midsize Car Insurance in Minnesota | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap for | Learn More |
|---|---|---|---|---|---|
Auto-OwnersLearn More | $597 | $2,046 | 12 | Drivers with a recent accident | Learn More |
AAA Insurance Learn More | $857 | $2,382 | N/A | SUV drivers | Learn More |
| Cheapest Midsize Car Insurance in Minnesota | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cheap for | Learn More |
|---|---|---|---|---|---|
Auto-OwnersLearn More | $597 | $2,046 | 12 | Drivers with a recent accident | Learn More |
AAA Insurance Learn More | $857 | $2,382 | N/A | SUV drivers | Learn More |
*Our research team considers nationwide factors when scoring providers. The ranking order of providers in this table is specific to car insurance in Minnesota.
Cheapest Car Insurance Coverage in Minnesota
According to quotes we received across dozens of Minnesota ZIP codes, the average cost of liability car insurance in Minnesota is $752 per year or $63 per year. Full coverage costs $2,463 per year or $205 per month on average in the state. Below, we line up the cheapest providers for each type of car insurance in Minnesota.
Cheapest Liability Car Insurance in Minnesota
Westfield offers the most affordable liability car insurance in Minnesota at just $38 per month or 40% less than the statewide average for similar coverage. USAA and North Star Mutual are close runners-up.
| Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Westfield | $38 | $450 |
| USAA | $41 | $498 |
| North Star Mutual Insurance | $47 | $566 |
| Auto-Owners Insurance | $50 | $597 |
| Western National Insurance | $53 | $640 |
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Keep reading: Cheapest Liability-Only Auto Insurance
Cheapest Full-Coverage Car Insurance in Minnesota
Travelers customers enjoy the lowest rates in Minnesota, on average, at $142 per month. That’s well below the Minnesota state average of $205 per month for full-coverage policies.
| Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $142 | $1,702 |
| USAA | $161 | $1,930 |
| Auto-Owners Insurance | $171 | $2,046 |
| Geico | $191 | $2,297 |
| AAA | $198 | $2,382 |
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Keep reading: Cheapest Full-Coverage Car Insurance
Cheapest Car Insurance for Teen Drivers in Minnesota
As in most states, Minnesota teen drivers pay higher car insurance rates than any other age group. Fortunately, as young drivers age and practice safe driving habits, rates gradually decrease. Below, we break down the most affordable providers for Minnesota teen drivers of different ages.
Cheapest Minnesota Auto Insurance for 16-Year-Olds
On average, Minnesota teens age 16 pay around $6,187 per year for full-coverage car insurance. However, Auto-Owners customers can find full coverage as low as $4,527 per year.
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Auto-Owners Insurance | $377 | $4,527 |
| Travelers | $399 | $4,794 |
| Geico | $484 | $5,809 |
| Western National Insurance | $485 | $5,816 |
| Nationwide | $522 | $6,267 |
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Keep reading: Best Cheap Car Insurance for 16-Year-Olds
Cheapest Minnesota Car Insurance for 17-Year-Olds
Car insurance prices are slightly cheaper for 17-year-olds in Minnesota, with average costs of around $5,967 per year. Full-coverage rates for this age group are much lower on average from Travelers at just $4,271 per year. In fact, each of the providers below comes in below the Minnesota average for similar coverage.
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $356 | $4,271 |
| Auto-Owners Insurance | $378 | $4,534 |
| USAA | $438 | $5,259 |
| Geico | $471 | $5,658 |
| Western National Insurance | $485 | $5,816 |
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Keep reading: Best Cheap Car Insurance for 17-Year-Olds
Cheapest Minnesota Car Insurance for 18-Year-Olds
In Minnesota, the average cost of full-coverage car insurance for 18-year-olds is $5,543 per year or $462 per month. Travelers again stands out in this category with rates of just $3,682 per year on average.
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $307 | $3,682 |
| Auto-Owners Insurance | $361 | $4,335 |
| USAA | $384 | $4,607 |
| Western National Insurance | $464 | $5,563 |
| Geico | $465 | $5,579 |
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Keep reading: Best Cheap Car Insurance for 18-Year Olds
Cheapest Minnesota Car Insurance for 19-Year-Olds
At a cost of $267 per month on average, Travelers offers the lowest rates for 19-year-olds in Minnesota. If Travelers doesn’t have the coverage you need, check with Auto-Owners or USAA for coverage rates below the statewide average of $4,939 per year for drivers of this age:
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $267 | $3,210 |
| Auto-Owners Insurance | $333 | $3,990 |
| USAA | $334 | $4,004 |
| AAA | $426 | $5,114 |
| Geico | $439 | $5,274 |
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Keep reading: Best Cheap Car Insurance for 19-Year Olds
Cheapest Car Insurance for Young Drivers in Minnesota
As teen drivers age out of high school and continue to practice their driving skills, they become less of a risk to insure. For this reason, car insurance rates for young adult drivers tend to be much lower than those of their teen counterparts. In the sections below, you can see how the cheapest car insurance costs change as a young driver ages.
Cheapest Minnesota Car Insurance for 21-Year-Olds
Drivers age 21 pay an average of $3,788 per year for full-coverage car insurance in Minnesota. Fortunately, companies like Travelers offer annual full-coverage rates for over $1,000 cheaper on average.
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $208 | $2,501 |
| USAA | $238 | $2,852 |
| Auto-Owners Insurance | $277 | $3,320 |
| AAA | $294 | $3,526 |
| Nationwide | $313 | $3,760 |
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Keep reading: Best Cheap Car Insurance for 21-Year-Olds
Cheapest Minnesota Car Insurance for 25-Year-Olds
Again, Travelers is the most affordable provider for drivers in this age group. Compare the average rate of $1,782 per year from Travelers for 25-year-old drivers against the statewide average of $2,789 per year for drivers of the same age.
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $148 | $1,782 |
| USAA | $201 | $2,412 |
| Auto-Owners Insurance | $212 | $2,544 |
| AAA | $223 | $2,673 |
| Geico | $226 | $2,707 |
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Keep reading: Best Cheap Car Insurance for 25-Year Olds
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Cheapest Car Insurance in Minnesota for Seniors
As drivers mature, car insurance rates tend to drop or stay the same. However, raise my rise again as drivers enter their senior years. Below, we take a look at the cheapest car insurance providers for drivers ages 65 and 75.
Keep reading: Cheapest Car Insurance for Seniors
Cheapest Car Insurance in Minnesota for 65-Year-Olds
The average cost of full coverage for 65-year-old drivers in Minnesota is $2,146 per year. However, drivers in this age group can look to Travelers or USAA for much more affordable monthly and annual rates:
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $118 | $1,411 |
| USAA | $145 | $1,743 |
| Auto-Owners Insurance | $150 | $1,801 |
| AAA | $159 | $1,906 |
| Geico | $168 | $2,013 |
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Cheapest Car Insurance in Minnesota for 75-Year-Olds
In Minnesota, 75-year-old drivers pay an average of $2,556 per year for full coverage, around $400 more than drivers age 65. Luckily, drivers of this age can save money with Travelers or USAA, which have cheaper-than-average monthly and yearly rates.
| Cheapest Car Insurance in Minnesota | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $137 | $1,642 |
| USAA | $174 | $2,093 |
| Auto-Owners Insurance | $178 | $2,138 |
| AAA | $195 | $2,336 |
| Nationwide | $201 | $2,413 |
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Cheapest Minnesota Car Insurance for High-Risk Drivers
At-risk drivers who have had a speeding ticket, DUI or recent accident can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.
Keep reading: Best Cheap Car Insurance for High-Risk Drivers
Cheapest Minnesota Car Insurance for Drivers With a Speeding Ticket
If you get a speeding ticket, you can count on your auto insurance rates going up. On average, Minnesota drivers with a speeding ticket pay around $3,182 per year for full coverage insurance.
| Car Insurance Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $184 | $2,203 |
| USAA | $199 | $2,382 |
| Western National Insurance | $214 | $2,572 |
| Auto-Owners Insurance | $218 | $2,620 |
| Geico | $223 | $2,675 |
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Keep reading: Best Speeding Ticket Car Insurance
Cheapest Minnesota Car Insurance for Drivers With a Recent Accident
Having an at-fault accident on your record can raise your rates substantially. On average, drivers with a recent accident pay around $3,605 per year for full coverage insurance in Minnesota.
| Car Insurance Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $198 | $2,371 |
| Western National Insurance | $214 | $2,572 |
| Auto-Owners Insurance | $216 | $2,591 |
| USAA | $231 | $2,768 |
| State Farm | $253 | $3,040 |
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Keep reading: What Is Accident Forgiveness Coverage?
Cheapest Minnesota Car Insurance for Drivers With a DUI
As a serious traffic violation, a DUI can send your car insurance premiums soaring. On average, full coverage insurance costs around $3,781 per year for drivers with a DUI in Minnesota.
| Car Insurance Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Western National Insurance | $214 | $2,572 |
| Travelers | $228 | $2,739 |
| State Farm | $235 | $2,821 |
| USAA | $296 | $3,555 |
| West Bend | $299 | $3,592 |
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Cheapest Minnesota Car Insurance for Drivers With Poor Credit
In Minnesota, insurance companies are legally allowed to adjust your premiums based on your credit score. On average, Minnesota drivers with poor credit scores pay $5,683 per year for a full coverage policy.
| Car Insurance Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Geico | $247 | $2,964 |
| West Bend | $272 | $3,263 |
| Nationwide | $342 | $4,108 |
| Westfield | $376 | $4,509 |
| USAA | $392 | $4,705 |
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Keep reading: Cheapest Car Insurance for Bad Credit
Cheapest Car Insurance by Vehicle Type
The kind of car you drive significantly affects how much you’ll spend on car insurance. Below, we’ll show you the cheapest insurance companies for different types of cars, including electric, hybrid and gas-powered vehicles.
Cheapest Insurance for Electric and Hybrid Vehicles
As a general rule, electric cars cost more to build and repair. For this reason, they cost more to insure on average than other types of vehicles. Hybrid vehicles are a little cheaper to cover and may actually be more affordable to insure than certain gas-powered vehicles.
Cheapest Car Insurance for Electric Cars in Minnesota
In Minnesota, the average annual cost for full coverage on an electric car is $3,249, which breaks down to about $271 per month. However, Travelers offers an average annual cost of $2,111 per year, which is much more affordable for most drivers.
| Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $176 | $2,111 |
| Auto-Owners Insurance | $186 | $2,230 |
| State Farm | $231 | $2,769 |
| USAA | $234 | $2,808 |
| AAA | $254 | $3,045 |
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Keep reading: Electric Vehicle Insurance
Cheapest Hybrid Car Insurance in Minnesota
Hybrid vehicles are much less expensive to insure than electric vehicles in Minnesota, with an average annual cost of $2,098, which translates to about $175 per month. Notably, Travelers offers rates for hybrid vehicles that are approximately 27% lower than this average.
| Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $127 | $1,525 |
| USAA | $138 | $1,654 |
| Auto-Owners Insurance | $144 | $1,722 |
| Geico | $169 | $2,034 |
| State Farm | $171 | $2,057 |
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Cheapest Insurance for Gas-Powered Vehicles
While gas-powered vehicles are typically cheaper to insure than electric vehicles, they still cost a little more than hybrid models. Sedans are the most expensive gas-powered vehicle type compared to trucks and SUVs.
Cheapest SUV Insurance in Minnesota
SUV drivers in Minnesota pay an average of $2,113 per year or $176 per month for full-coverage car insurance. Travelers offers rates well below this average, however, as does USAA.
| Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $130 | $1,566 |
| USAA | $138 | $1,659 |
| Auto-Owners Insurance | $144 | $1,722 |
| AAA | $171 | $2,053 |
| Western National Insurance | $173 | $2,082 |
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Cheapest Car Insurance for Sedans in Minnesota
Compared to the Minnesota state average of $2,409 per year for full coverage on sedan vehicles, Travelers is much more affordable at $1,828 per year. USAA and Auto-Owners also offer competitive rates.
| Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $152 | $1,828 |
| USAA | $153 | $1,831 |
| Auto-Owners Insurance | $159 | $1,902 |
| AAA | $195 | $2,336 |
| State Farm | $199 | $2,386 |
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Cheapest Car Insurance for Trucks in Minnesota
Trucks are surprisingly more affordable to insure than sedans, at around $2,142 per year on average for full coverage. Travelers customers, again, can get coverage for well below this state average.
| Company | Estimated Monthly Cost Average | Estimated Annual Cost Average |
| Travelers | $128 | $1,538 |
| USAA | $140 | $1,683 |
| Auto-Owners Insurance | $144 | $1,730 |
| AAA | $166 | $1,986 |
| Western National Insurance | $174 | $2,085 |
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Keep reading: Cost of Truck Insurance
Cheap Car Insurance Quotes in Minnesota
We’ve covered how age, locations, driving records and credit scores affect car insurance rates in Minnesota.
Here are some other important factors in the cost of your premiums:
- Marital status: Insurers tend to give married drivers lower rates than single drivers because married drivers are more likely to bundle policies and own several cars.
- Gender listed on driver’s license: Female drivers get lower rates than same-age male drivers at certain ages, especially when they’re in their teens and early 20s.
- Deductible amount: Opting for a higher deductible will lower a premium, but drivers will have to pay more out of pocket in the event of a car collision.
- Policy discounts: Car owners can qualify for many discounts at insurance companies, and these can really help lower premiums.
Car Insurance Discounts in Minnesota
The best way to find out which car insurance deals you may qualify for in Minnesota is by shopping around for car insurance. As you look for a new provider, you’ll want to pay special attention to the types of coverage offered and the auto insurance discounts available for your situation. Also, be sure to speak with your insurance agent to see if there are any discounts you qualify for with your current policy.
Below are more details about the standard car insurance discounts offered by providers:
- Multi-policy: Save money by bundling multiple insurance policies, such as auto and renters insurance, with the same provider.
- Multi-vehicle: Get a discount for insuring multiple cars under one policy or by combining policies with other family members.
- Military: This rate discount is available for active-duty military members and veterans.
- Senior: Some providers, like Geico, offer discounts for drivers aged 55 and older.
- Homeowners: If you own your home, you might qualify for discounted insurance rates.
- Good student: High school and college students who maintain a “B” average or above can often qualify for car insurance discounts.
- Good driver: This type of discount is often offered to drivers with a clean record, with no accidents, DUIs or speeding tickets in the past three years.
- Defensive driving: If you complete a defensive driving course, you may qualify for this discount.
- Driver training: Driver training discounts are sometimes available for drivers who complete an approved driver training course.
- New car: This discount is for those who purchase a newer vehicle, generally three years old or newer.
- Safe car: If your car has advanced safety features like anti-theft systems, you may get a discount.
- Paperless: Save by opting to receive your policy documents and bills via email.
- Pay-in-full: Pay your entire policy upfront to get a discount on your premium.
Cheap Car Insurance Quotes in Minnesota by ZIP
Below you can get personalized cheap auto insurance quotes for your location in Minnesota.
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Best Cheap Car Insurance in Minnesota
We take a closer look at each provider’s cost and discount options below:
#1 Travelers
9.5/10
| Cheapest Minimum | Cheapest Full | Number of Discounts |
| $61 per month | $142 per month | 12 |
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*Above rates are average company estimates for Minnesota drivers.
Travelers Overview
Travelers not only took the top spot in our list of most affordable providers in Minnesota, but also the list of providers we reviewed nationally. Travelers has an outstanding industry reputation, strong coverage selection and affordable full-coverage rates for most Minnesota drivers.
Travelers Insurance Cost and Coverage in Minnesota
Full-coverage car insurance from Travelers costs an average of $1,702 per year or $142 per month. That’s significantly lower than the Minnesota state average of $2,463 per year for similar policies. This average rate reflects a driver with a clean driving record and good credit, but Travelers also offers the most affordable coverage for drivers with a recent speeding ticket or accident.
Coverage-wise, Travelers offers everything from basic liability that meets Minnesota insurance requirements to full coverage. Optional coverages include loan or lease gap coverage, rental car reimbursem*nt, accident forgiveness and limited rideshare coverage.
Top Travelers Insurance Discounts in Minnesota
If you’re looking for ways to save even more on Travelers’ already low rates, ask your agent if you qualify for any of the discounts below:
- Safe driver discount: You can save on your Travelers insurance premiums if you’ve had no accident violations or major comprehensive claims during the last three to five years.
- Multi-policy discount: Minnesota drivers with different types of Travelers insurance products — including condo insurance, homeowner’s insurance or renters insurance — can save by bundling their policies.
- IntelliDrive: IntelliDrive® is a 90-day usage-based insurance rate adjustment program that reports driving habits. Good driving could result in savings, while riskier driving habits could result in rate increases.
Keep reading: Travelers Insurance Review
#2 USAA: Best for Military Members
9.3/10
| Cheapest Minimum | Cheapest Full | Number of Discounts |
| $41 per month | $161 per month | 13 |
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*Above rates are average company estimates for Minnesota drivers.
USAA Overview
According to our rate estimates, USAA is the cheapest auto insurance provider for many drivers in Minnesota. However, you can only get coverage from USAA if you’re a member of the military, a veteran or if you have close family in the military.
USAA also consistently gets some of the highest customer satisfaction scores across various studies and sites when compared to other providers. In the J.D. Power 2024 U.S. Auto Insurance Study℠, for example, USAA scores the highest in the Central region of the U.S. where Minnesota is located, getting 759 out of 1,000 points. The market average for that region is 647.
USAA Insurance Cost and Coverage in Minnesota
Not only does USAA offer some of the most affordable rates for military-affiliated drivers in Minnesota, but you can save up to 30% with the company’s usage-based program SafePilot®, depending on your driving habits. USAA also offers extras including accident forgiveness, roadside assistance and car replacement assistance.
Top USAA Insurance Discounts in Minnesota
While USAA coverage is already among the most affordable in Minnesota and nationwide, customers can save even more using the company’s wide selection of discount opportunities, including:
- Legacy discount: Drivers who join USAA after their parents are considered legacy customers, and qualify for select rate discounts.
- New vehicle discount: If you buy a new car with select vehicle safety features you may be eligible for lower insurance rates from USAA.
- Bundle discount: If you have multiple types of insurance products from USAA, you can bundle your coverages to save on premiums.
Keep reading: USAA Insurance Review
#3 Auto-Owners Insurance: Good for High-Risk Drivers
8.8/10
| Cheapest Minimum | Cheapest Full | Number of Discounts |
| $50 per month | $171 per month | 12 |
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*Above rates are average company estimates for Minnesota drivers.
Auto-Owners Overview
Auto-Owners Insurance is somewhat less well known than Travelers or USAA but still offers competitively low rates for drivers in Minnesota. The company’s full-coverage rates are the third-cheapest in Minnesota for drivers with a clean driving record and good credit. Full coverage from Auto-Owners is also the third-cheapest for drivers involved in a recent at-fault accident.
Auto-Owners Insurance Cost and Coverage in Minnesota
On average, Auto-Owners customers in Minnesota pay an average of $171 per month or $2,046 per year for full-coverage car insurance. Minimum coverage from Auto-Owners is also affordable at $597 per year, much lower than the statewide average of $752 per year for similar coverage.
Coverage options from Auto-Owners include standard liability protection plus comprehensive and collision coverage options. Optional add-on coverages include:
- Gap coverage
- Roadside assistance
- Vehicle devaluation protection
Top Auto-Owners Insurance Discounts in Minnesota
If you’re already an Auto-Owners customer, talk to your agent to see if you qualify for any of the following ways to save on your car insurance rates in Minnesota:
- Student discounts: Auto-Owners offers discounts for students away at college as well as those who maintain a grade average of “B” or higher.
- Safety feature discounts: Auto-Owners drivers in Minnesota can save on premiums if their vehicles have select air bags, safety restraints and anti-lock brake systems.
- Payment discounts: Auto-Owners offers discounts for paying your bill on time consecutively or paying your entire premium in one upfront payment.
Keep reading: Auto-Owners Insurance Review
#4 Geico: Best for Drivers With Poor Credit
9.3/10
| Cheapest Minimum | Cheapest Full | Number of Discounts |
| $62 per month | $191 per month | 12 |
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*Above rates are average company estimates for Minnesota drivers.
Geico Overview
Especially for drivers who don’t have any military ties, Geico is a fantastic option for finding cheap car insurance in Minnesota. One area where Geico doesn’t shine the best is in customer satisfaction, at least compared to other providers in this list. While USAA has the highest rating for the Central U.S. region in J.D. Power’s Auto Insurance Study, Geico falls well below that and below the industry average for customer satisfaction.
Geico Insurance Cost and Coverage in Minnesota
Geico customers in Minnesota pay an average of $2,297 per year or $191 per month for full-coverage car insurance. That’s just under the statewide average of $2,463 per year for similar coverage. Geico is also the most affordable provider in the state for drivers with poor credit, coming in at $2,964 per year, compared to the Minnesota average of $5,683 per year for drivers with this profile.
Another thing that sets Geico apart from other providers is that it offers mechanical breakdown insurance, which is similar to an extended warranty for internal components of your vehicle. Geico also offers a range of extra coverage options, including roadside assistance and rental reimbursem*nt.
Top Geico Insurance Discounts in Minnesota
- Safety equipment discounts: Like other providers on this list, Geico offers discounts if your vehicle has one or more specific safety components installed.
- Eagle discount: This discount offers federal employees discounted car insurance rates.
- Good driver discount: Maintain a clean driving record for up to five years to save as much as 22% on your Geico insurance premiums.
- Employee discounts: If you work for or are a member of one or more of over 500 organizations, you may qualify for special discounts from Geico.
Keep reading: Geico Insurance Review
Compare: USAA vs. Geico
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Average Car Insurance Cost: Minnesota
The average cost of car insurance in Minnesota is $2,463 per year or $205 per month for a full-coverage policy. This is good news for drivers in the Land of 10,000 Lakes, as that’s 8% cheaper than the national average rate of $2,681 per year.
Minnesota Car Insurance Cost by Age
Your age is one of the biggest factors in how much you pay for a car insurance policy. Younger drivers are more likely to get into car accidents, so they pay more. After age 30, car insurance prices typically level out until age 55, when prices increase again slightly.
| Age | Estimated Monthly Cost | Estimated Annual Cost |
| 16 | $516 | $6,187 |
| 17 | $497 | $5,967 |
| 18 | $462 | $5,543 |
| 19 | $412 | $4,939 |
| 21 | $316 | $3,788 |
| 25 | $232 | $2,789 |
| 35 | $205 | $2,463 |
| 45 | $192 | $2,304 |
| 55 | $173 | $2,076 |
| 65 | $179 | $2,146 |
| 75 | $213 | $2,556 |
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Cost of Car Insurance in Minnesota by City
Auto insurance rates differ from state to state, but they also vary within states. Like in many other states, Minnesota residents in more urban ZIP codes typically pay higher rates for insurance than those in rural areas. The table below shows rate estimates for different Minnesota cities.
| City in Minnesota | Estimated Monthly Cost | Estimated Annual Cost |
| Andover | $194 | $2,330 |
| Apple Valley | $192 | $2,303 |
| Austin | $177 | $2,120 |
| Blaine | $201 | $2,415 |
| Brooklyn Park | $213 | $2,558 |
| Burnsville | $188 | $2,250 |
| Coon Rapids | $198 | $2,378 |
| Cottage Grove | $189 | $2,266 |
| Eagan | $193 | $2,316 |
| Eden Prairie | $185 | $2,215 |
| Lakeville | $184 | $2,208 |
| Mankato | $165 | $1,978 |
| Maple Grove | $190 | $2,277 |
| Minneapolis | $238 | $2,852 |
| Moorhead | $172 | $2,060 |
| Oakdale | $198 | $2,380 |
| Owatonna | $168 | $2,016 |
| Richfield | $206 | $2,475 |
| Rochester | $174 | $2,087 |
| Roseville | $215 | $2,580 |
| Savage | $188 | $2,250 |
| Shakopee | $187 | $2,248 |
| St. Cloud | $183 | $2,193 |
| St. Paul | $239 | $2,862 |
| Woodbury | $193 | $2,313 |
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Minnesota Car Insurance Rates vs. Each State in 2024
Minnesota car insurance rates are affordable and close to the national average for similar coverages. However, this means car insurance may be much more affordable in other states. For a detailed comparison, we list the average minimum- and full-coverage rates for every state below:
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
| Alabama | $572 | $2,048 |
| Alaska | $506 | $2,116 |
| Arizona | $956 | $3,127 |
| Arkansas | $589 | $2,398 |
| California | $736 | $3,040 |
| Colorado | $750 | $3,010 |
| Connecticut | $1,293 | $3,206 |
| Delaware | $1,288 | $3,364 |
| Florida | $1,605 | $3,795 |
| Georgia | $1,256 | $2,907 |
| Hawaii | $455 | $1,581 |
| Idaho | $463 | $1,588 |
| Illinois | $823 | $3,054 |
| Indiana | $557 | $1,949 |
| Iowa | $456 | $1,994 |
| Kansas | $683 | $2,421 |
| Kentucky | $1,072 | $2,545 |
| Louisiana | $1,497 | $4,357 |
| Maine | $456 | $1,460 |
| Maryland | $1,261 | $2,943 |
| Massachusetts | $759 | $2,620 |
| Michigan | $1,640 | $4,626 |
| Minnesota | $752 | $2,463 |
| Mississippi | $563 | $2,140 |
| Missouri | $752 | $2,613 |
| Montana | $517 | $2,368 |
| Nebraska | $545 | $2,252 |
| Nevada | $1,665 | $3,870 |
| New Hampshire | $594 | $1,766 |
| New Jersey | $1,609 | $3,454 |
| New Mexico | $608 | $2,335 |
| New York | $2,490 | $8,232 |
| North Carolina | $815 | $2,271 |
| North Dakota | $490 | $2,029 |
| Ohio | $511 | $1,660 |
| Oklahoma | $710 | $3,256 |
| Oregon | $1,161 | $2,408 |
| Pennsylvania | $893 | $3,909 |
| Rhode Island | $1,084 | $2,921 |
| South Carolina | $959 | $2,519 |
| South Dakota | $443 | $2,590 |
| Tennessee | $707 | $2,237 |
| Texas | $960 | $3,156 |
| Utah | $968 | $2,451 |
| Vermont | $366 | $1,539 |
| Virginia | $726 | $2,070 |
| Washington | $661 | $2,110 |
| Washington, D.C. | $870 | $2,636 |
| West Virginia | $617 | $2,308 |
| Wisconsin | $561 | $2,003 |
| Wyoming | $303 | $1,794 |
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Keep reading: Car Insurance Rates by State
Minnesota Car Insurance Requirements
Minnesota’s minimum coverage requirements are a bit more extensive than some other state minimums. Minnesota law requires drivers to carry personal injury protection (PIP), liability, uninsured motorist coverage and underinsured motorist coverage.
What Is the Minimum Car Insurance in Minnesota?
Here are the details according to the Minnesota Commerce Department:
- Personal injury protection (PIP): $40,000
- Bodily injury liability insurance: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000 per accident
- Underinsured/uninsured motorist insurance: $25,000 per person and $50,000 per accident
Minnesota is a no-fault state. That means you pursue injury claims from your own company under your PIP coverage. This is also why the state requires PIP coverage for every driver. The no-fault system only applies to medical expenses from accidents, not property damage.
Be aware that Minnesota state requirements such as liability coverage won’t cover your vehicle if you are responsible for the accident. To get full coverage, consider adding collision coverage and comprehensive coverage to your auto insurance policy. Lenders usually require these types of insurance, as well.
Is It Illegal Not To Have Car Insurance in Minnesota?
Minnesota has strict laws about driving with no insurance. It is actually considered a misdemeanor criminal offense in the state.
Your first and second offense of driving without insurance in Minnesota can result in fines of up to $1,000, losing your license for up to 30 days, a requirement to carry SR-22 (high-risk) coverage and, in some cases, community service. If you have a third offense within 10 years, you can lose your license for a year, be fined up to $3,000 and spend as many as 90 days in jail.
How To Get Car Insurance in Minnesota
In Minnesota, you can find affordable auto insurance coverage from many providers, including State Farm, USAA and Geico. We recommend comparing multiple car insurance quotes as you shop for coverage since each provider will treat your situation differently.
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Minnesota Car Insurance: The Bottom Line
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Minnesota. We also looked at the Gopher State’s average cost of car insurance and coverage requirements.
Car Insurance in Minnesota: FAQ
Below are some frequently asked questions about cheap car insurance in Minnesota:
Full-coverage car insurance in Minnesota costs about $205 per month on average, which is cheaper than the national average of $223 per month. Minimum-coverage insurance costs about $63 per month in Minnesota.
Full-coverage car insurance in Minnesota averages out to $2,463 per year or $205 per month. This is roughly 8% less expensive than the national average for car insurance, which is $2,681 per year or $223 per month.
Travelers offers the cheapest car insurance in Minnesota with average rates of $1,702 per year for full-coverage insurance. Westfield is the most affordable minimum-coverage option at $450 per year for minimum-coverage insurance.
Typically, car insurance follows the car in Minnesota. Collision, comprehensive, uninsured motorist protection and property damage liability coverage all follow the car — and not the driver — in the state.
Minnesota gives drivers a grace period of two to 30 days to buy insurance for their car after purchasing it. After this grace period, drivers are subject to the Minnesota Financial Responsibility Law, which requires them to carry minimum coverage.
How We Chose the Cheapest Car Insurance in Minnesota
Our comprehensive rating system utilizes the latest 2024 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Minnesota, we’ve averaged rates from the top 12 providers across 40 Minnesota ZIP codes. Unless otherwise specified, our base driver profiles for Minnesota insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Minnesota drivers of multiple ages and those with a history of accidents, speeding tickets or DUIs, as well as drivers with poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Minnesota, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
In this article, providers are sorted by cheapest average costs in Minnesota and selected for recommendation based on our national ratings. When rating providers nationally or in Minnesota we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
