The cheapest full coverage car insurance in Minnesota is $114 , saving you $45 compared to the average cost of insurance in the state, which is around $159 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Minnesota, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Minnesota should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Nationwide stands out as the cheapest option for full coverage car insurance in Minnesota, with an insurance premium of $114 per month.
- Drivers in Minnesota with a clean record pay 49% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Minnesota is Mankato, with an annual premium of $1,625 .
- Minnesota drivers can save up to 28% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in Minnesota?
Nationwide has the cheapest full coverage car insurance in Minnesota, at an average premium of $114 per month or around $1,363 per year, based on CarInsurance.com data.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Minnesota by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Minnesota per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Nationwide | $114 |
| State Farm | $127 |
| Travelers | $135 |
| Automobile Club MI (AAA) | $136 |
| Auto-Owners | $141 |
| North Star Mutual | $188 |
| Allstate | $199 |
| Geico | $208 |
| Western National Mutual | $231 |
| USAA* | $115 |
Note: USAA is only available to military community members and their families.
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Minnesota drivers who pay lower insurance premiums
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- Minnesota drivers with clean records pay 49% less than drivers who have a DUI on their record.
- Minnesota drivers in their 20s pay 50% lower rates for insurance than a 16-year-old in Minnesota.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 33% less on their insurance premiums.
- Drivers insured for three or more years can save up to 25% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 7% for this state more on their premiums.
Cheapest insurers for different coverage levels in Minnesota
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Minnesota.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Minnesota
In Minnesota, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Minnesota, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Auto-Owners | $355 |
| North Star Mutual | $374 |
| State Farm | $378 |
| Western National Mutual | $497 |
| Geico | $498 |
| Automobile Club MI (AAA) | $507 |
| Travelers | $550 |
| Allstate | $585 |
| Nationwide | $672 |
| USAA* | $334 |
Note: USAA is only available to military community members and their families.
Cheapest Minnesota insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Minnesota, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Auto-Owners | $383 |
| North Star Mutual | $420 |
| State Farm | $421 |
| Automobile Club MI (AAA) | $553 |
| Geico | $554 |
| Travelers | $579 |
| Western National Mutual | $581 |
| Allstate | $618 |
| Nationwide | $629 |
| USAA* | $375 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Minnesota for full coverage
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Minnesota from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full Coverage Annual Rates |
|---|---|
| Nationwide | $1,363 |
| State Farm | $1,525 |
| Travelers | $1,618 |
| Automobile Club MI (AAA) | $1,636 |
| Auto-Owners | $1,693 |
| North Star Mutual | $2,257 |
| Allstate | $2,388 |
| Geico | $2,495 |
| Western National Mutual | $2,769 |
| USAA* | $1,382 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Minnesota by driving history
In Minnesota, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Minnesota, drivers with a history of traffic violation pay an average of $768 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance in Minnesota after a speeding ticket
A speeding ticket can impact your Minnesota car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,439 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,311 | $1,439 | 10% | $128 |
| Nationwide | $1,202 | $1,601 | 33% | $399 |
| Auto-Owners | $1,698 | $2,023 | 19% | $325 |
| American Family | $1,582 | $2,049 | 30% | $467 |
| Geico | $1,588 | $2,472 | 56% | $884 |
| Travelers | $1,691 | $2,592 | 53% | $901 |
| Auto Club Enterprises (AAA) | $2,165 | $2,821 | 30% | $656 |
| Automobile Club of MI (AAA) | $2,248 | $2,918 | 30% | $670 |
| Allstate | $2,616 | $3,656 | 40% | $1,040 |
| USAA* | $1,306 | $1,603 | 23% | $297 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Minnesota after a DUI conviction
State Farm offers the cheapest car insurance to Minnesota drivers with a DUI conviction at $1,439 per year and Nationwide has the second-cheapest insurance premiums at $2,011 a year, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 49% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,311 | $1,439 | 10% | $128 |
| Nationwide | $1,202 | $2,011 | 67% | $809 |
| American Family | $1,582 | $2,049 | 30% | $467 |
| Travelers | $1,691 | $2,972 | 76% | $1,281 |
| Auto-Owners | $1,698 | $3,220 | 90% | $1,522 |
| Allstate | $2,616 | $4,450 | 70% | $1,834 |
| Geico | $1,588 | $4,951 | 212% | $3,363 |
| Auto Club Enterprises (AAA) | $2,165 | $6,501 | 200% | $4,336 |
| Automobile Club of MI (AAA) | $2,248 | $6,677 | 197% | $4,429 |
| USAA* | $1,306 | $2,405 | 84% | $1,099 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Minnesota after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,568 a year.
On the other hand, Nationwide offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,699 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,311 | $1,568 | 20% | $256 |
| Nationwide | $1,202 | $1,699 | 41% | $497 |
| Auto-Owners | $1,698 | $2,161 | 27% | $463 |
| Travelers | $1,691 | $2,488 | 47% | $797 |
| Auto Club Enterprises (AAA) | $2,165 | $2,745 | 27% | $580 |
| Geico | $1,588 | $2,793 | 76% | $1,206 |
| Automobile Club of MI (AAA) | $2,248 | $2,841 | 26% | $593 |
| Allstate | $2,616 | $4,302 | 64% | $1,686 |
| USAA* | $1,306 | $1,897 | 45% | $591 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Minnesota
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Minnesota, Mankato stands out as the city with the lowest auto insurance rates, at an average of $1,625 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
Below is a list of cities in Minnesota with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Mankato | $1,625 |
| North Mankato | $1,640 |
| Eyota | $1,662 |
| Moorhead | $1,676 |
| Madison Lake | $1,679 |
| Janesville | $1,687 |
| Owatonna | $1,702 |
| Truman | $1,703 |
| Fairmont | $1,703 |
| Eagle Lake | $1,705 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Minnesota?
Shopping around for car insurance quotes in Minnesota can help drivers save 28% annually on full coverage policies.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Minnesota: Save on premiums
Car insurance discounts in Minnesota can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Minnesota.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 4% | $90 |
| Anti-theft device | 2% | $37 |
| Daily commute | 8% | $212 |
| Days advanced purchase | 7% | $159 |
| Days per week driven | 7% | $194 |
| Education | 10% | $213 |
| Electronic funds transfer | 5% | $97 |
| Homeowner | 6% | $125 |
| Lower annual mileage | 5% | $104 |
| Loyalty – years renewal with company | 11% | $227 |
| Marital status | 7% | $157 |
| Multi policy | 11% | $239 |
| Paperless/electornic documents | 5% | $99 |
| Payment type | 8% | $177 |
| Primary use | 10% | $238 |
| Profession | 10% | $213 |
| Safety devices | 2% | $43 |
| Telematics | 13% | $181 |
| Years insured | 23% | $995 |
| Years licensed | 32% | $1,395 |
The bottom line on cheap car insurance in Minnesota
Our research shows that Nationwide has the cheapest full coverage car insurance rates in Minnesota for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Minnesota, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Minnesota for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 30/60/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Minnesota