You can find the cheapest full-coverage car insurance in Minnesota for $114 a month from Nationwide. It saves you $45 compared to the state average car insurance cost of $159 monthly.
Shopping for car insurance in Minnesota can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- According to recent data, Nationwide offers the cheapest full coverage car insurance in Minnesota at $114 per month.
- Minnesota drivers with a clean driving record pay 49% less for car insurance than drivers with a DUI.
- In Minnesota, the city of Mankato has the most affordable car insurance rates at $1,625 annually.
- Comparing price quotes from multiple insurers can help you save up to 28% per year on your car insurance policy in Minnesota.
Which company offers the cheapest car insurance rates in Minnesota?
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for Minnesota drivers at a monthly rate of $114 or $1,363 a year.
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.
You might also be interested in
- Non-owner car insurance in Minnesota: Find affordable rates
- Liability insurance for Minnesota drivers
- Minimum car insurance requirements in Minnesota
- Minnesota car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Minnesota?
- Cheap car insurance for seniors in Minnesota
- Car insurance discounts in Minnesota; 11% potential savings
- How much does car insurance cost in Minnesota?
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 state minimum coverage in Minnesota
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Minnesota, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Minnesota, ranked from cheapest to most expensive for 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 liability-only coverage in Minnesota
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Here are the average annual rates for liability insurance coverage from major carriers in Minnesota, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 full coverage car insurance in Minnesota
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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 auto insurance in Minnesota by driving history
Your driving history impacts insurance premiums in Minnesota, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Minnesota, drivers with a history of such violations typically pay $768 more annually than drivers with clean records.
Cheap car insurance in Minnesota after a speeding ticket
If you have a speeding ticket on your Minnesota driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,439 per 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 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.
Drivers with clean driving records can expect to pay an average of 49% less than those with a history of DUI.
| 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 after an at-fault accident in Minnesota
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 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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
Please enter the correct format
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 Minnesota cities with the lowest auto insurance rates
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.
Mankato is the city with the lowest premiums in Minnesota at an annual auto insurance rate of $1,625 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in Minnesota with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Minnesota
If you compare car insurance quotes, you could enjoy an annual saving of around 28% on a full coverage policy in Minnesota.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
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 auto 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 know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Minnesota is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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