Cheapest Auto Insurance Quotes in Minnesota (2026)
Travelers has the cheapest insurance in Minnesota at $136 per month for full coverage. It's $85 per month cheaper than the state average.
Find Cheap Auto Insurance Quotes in Minnesota
Best cheap Minnesota car insurance
Best and cheapest car insurance in Minnesota
- Cheapest full coverage: Travelers, $136/mo
- Cheapest minimum liability: North Star Mutual, $50/mo
- Cheapest for young drivers: North Star Mutual, $108/mo
- Cheapest after a ticket: Auto-Owners, $160/mo
- Cheapest after an accident: State Farm, $187/mo
- Cheapest for teens after a ticket: Auto-Owners, $120/mo
- Cheapest after a DUI: Travelers, $217/mo
- Cheapest for poor credit: Geico, $392/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Auto-Owners offer the best combination of reliable customer service and cheap rates in Minnesota. State Farm offers online quotes, but to get a quote from Auto-Owners, you'll have to contact a local independent agent.
Travelers has even cheaper rates for some people. However, its customer service isn't as good as State Farm's or Auto-Owners'.
Cheapest car insurance in Minnesota: Travelers
Travelers has the cheapest full coverage car insurance in Minnesota.
Find Cheap Auto Insurance Quotes in Minnesota
Minnesota drivers should also compare quotes from State Farm and Auto-Owners. Both companies have affordable rates, and they have better customer service reviews than Travelers.
Best cheap full coverage car insurance in MN
Company | Monthly rate | |
|---|---|---|
| Travelers | $136 |
| Auto-Owners | $160 |
| State Farm | $162 |
| AAA | $219 |
| Western National | $227 |
*USAA is only available to current and former military members and their families.
Data-powered research on Minnesota car insurance
| Data-powered research on MN car insurance |
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Cheapest liability car insurance in MN: North Star Mutual
North Star Mutual offers the cheapest car insurance quotes for Minnesota state minimum car insurance insurance.
North Star Mutual charges an average of $50 per month for minimum coverage insurance. That's $21 per month cheaper than the Minnesota average.
Minnesota drivers can also find cheap car insurance from USAA, but it’s only available to active and retired military members and their families. USAA offers minimum coverage car insurance for $39 per month.
Cheapest auto insurance quotes in MN
Company | Monthly rate |
|---|---|
| North Star Mutual | $50 |
| Auto-Owners | $52 |
| Travelers | $56 |
| Western National | $61 |
| State Farm | $61 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Minnesota
Cheap insurance in MN for young drivers: North Star Mutual
North Star Mutual has the cheapest minimum coverage car insurance for 18-year-old drivers in Minnesota.
A minimum coverage policy from North Star Mutual costs $108 per month for teen drivers, which is less than half the average price in the state. The company also has great customer service reviews, getting far fewer complaints than expected for a company its size.
Travelers has the cheapest full coverage quotes for teens, at $341 per month.
Auto-Owners is the second cheapest in both categories. At $120 a month for minimum coverage, it’s $100 cheaper than the state average. For full coverage, it’s $353, which is $237 cheaper than the Minnesota average.
Teen drivers with military ties can also find affordable quotes from USAA. Minimum coverage insurance from USAA costs $87 per month, which is 60% less than the state average. However, only military members and their families can buy USAA insurance.
Best Minnesota car insurance rates for teens
Company | Liability only | Full coverage |
|---|---|---|
| North Star Mutual | $108 | $588 |
| Auto-Owners | $120 | $353 |
| Travelers | $132 | $341 |
| State Farm | $172 | $441 |
| Western National | $174 | $654 |
*USAA is only available to current and former military members and their families.
In Minnesota, the average cost of car insurance for 18-year-old drivers is more than tripple the rate for 30-year-old drivers.
Young drivers can save money sharing a policy with their parents. Sharing a policy can save you a lot on insurance costs.
Many companies also have discounts geared toward teens. For example, Auto-Owners offers a teen driver monitoring discount, which saves money by tracking teen drivers with a GPS monitoring system or app. You can also save by bundling your renters or home insurance with your auto policy.
Cheap car insurance in MN after a speeding ticket: Auto-Owners
Auto-Owners offers the most affordable car insurance for drivers in Minnesota with a speeding ticket. At $160 per month, a full coverage policy from Auto-Owners is $114 per month cheaper than average.
Affordable MN car insurance after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $160 |
| Travelers | $174 |
| State Farm | $174 |
| Western National | $227 |
| North Star Mutual | $279 |
*USAA is only available to current and former military members and their families.
In Minnesota, a speeding ticket will raise your car insurance quotes by an average of 24%. That's a difference of $52 per month for a full coverage policy.
Cheapest auto insurance in MN after an accident: State Farm
State Farm has the cheapest quotes in Minnesota for drivers with an accident on their record. State Farm charges $187 per month for full coverage after a crash. That's $152 per month less than the state average.
Minnesota drivers should also compare quotes from Travelers and Auto-Owners after an accident. Both companies also have affordable rates.
Best auto insurance in MN after a car crash
Company | Monthly rate |
|---|---|
| State Farm | $187 |
| Travelers | $190 |
| Auto-Owners | $198 |
| Western National | $227 |
| AAA | $397 |
*USAA is only available to current and former military members and their families.
One at-fault accident can raise full coverage rates by more than $100 per month in Minnesota.
Don't worry about switching insurance companies right after your crash. Your rates won't go up until your policy renews. But any quotes you get will likely be more expensive because they'll include your accident.
Instead, wait to shop around for new insurance until you get your renewal offer in the mail. That should give you a few weeks to find the best price before your rates go up.
Cheap auto insurance in MN for teens with a ticket or accident: Auto-Owners and North Star Mutual{#young-ticket}
Auto-Owners has the cheapest car insurance for young drivers with a speeding ticket. A minimum liability policy from Auto-Owners costs $120 per month for a teen with one speeding ticket. That's less than half the Minnesota average.
North Star Mutual has the cheapest rates for teens with an at-fault accident on their records. Minimum coverage insurance from North Star Mutual costs $162 per month, which is about half the state average.
Cheap MN auto insurance for teens after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $120 | $164 |
| North Star Mutual | $162 | $162 |
| Travelers | $165 | $190 |
| Western National | $174 | $174 |
| State Farm | $190 | $209 |
*USAA is only available to current and former military members and their families.
Just like older adults, teen drivers pay more for car insurance after a speeding ticket or crash. However, teens tend to see smaller increases. Minnesota teens pay 28% more after a speeding ticket, and 41% more after an at-fault accident.
Affordable Minnesota insurance rates after a DUI: Travelers
Travelers has the cheapest auto quotes for Minnesota drivers with a DUI. The company's average rate of $217 per month for full coverage is less than half the state average for drivers with a DUI.
Minnesota drivers with a DUI should also consider Western National, which costs $10 more per month and has better customer service. Western National receives far fewer complaints than expected for a company of its size, while Travelers receives far more.
Cheapest car insurance in MN after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $217 |
| Western National | $227 |
| Auto-Owners | $284 |
| State Farm | $350 |
| Farmers | $427 |
*USAA is only available to current and former military members and their families.
Car insurance in Minnesota after a DUI is more than twice as expensive as the cost for drivers with a clean record.
Cheapest quotes in MN for drivers with poor credit: Geico
Geico has the cheapest quotes for Minnesota drivers with poor credit. A full coverage policy from Geico costs $392 per month, which is $150 per month less than the state average.
Company | Monthly rate |
|---|---|
| Geico | $392 |
| Travelers | $399 |
| North Star Mutual | $462 |
| Auto-Owners | $482 |
| AAA | $525 |
*USAA is only available to current and former military members and their families.
In Minnesota, drivers with poor credit pay almost two and a half times as much for car insurance as drivers with good credit. That's because insurance companies believe that drivers with bad credit are more likely to file claims.
Best car insurance in MN
USAA is the best-rated auto insurance company in Minnesota.
USAA has a reputation for dependable customer service, lots of coverage options and low rates. However, USAA is not available to all drivers — only military members, veterans and some family members can get policies.
State Farm and North Star Mutual are great alternatives for drivers that aren't eligible for USAA.
Top auto insurance companies in MN
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Western National | A+ | ||
| North Star Mutual | A+ | ||
| Auto-Owners | 638 | A+ |
Average car insurance rates in Minnesota by city
Minnesota's most expensive city for insurance is Minneapolis.
Drivers in Minneapolis, part of the state's largest urban area, pay an average of $271 per month for a full coverage policy. You'll often find more expensive insurance quotes in larger cities because car theft and accidents are more common in densely populated areas.
Mankato, a smaller city between Minneapolis and the Iowa border, has the state's cheapest insurance, at $182 per month.
Minnesota auto insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Ada | $205 | -7% |
| Adams | $192 | -13% |
| Adolph | $213 | -4% |
| Adrian | $189 | -15% |
| Afton | $220 | -1% |
What vehicle insurance is required in Minnesota?
Minnesota requires all drivers to have a minimum amount of liability insurance, which is sometimes written as 30/60/10. In addition, Minnesota drivers must have uninsured and underinsured motorist coverage and personal injury protection.
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection (PIP): $40,000 per accident
- Uninsured and underinsured motorist coverage: $25,000 per person and $50,000 per accident
If you're injured in a car accident in Minnesota, you must start by making a personal injury protection (PIP) claim with your own insurance company. That's because Minnesota is a "no-fault" state.
If your PIP limits aren't high enough to fully cover your medical expenses and lost income, and the accident wasn't your fault, you can file a claim with the other driver's insurance company.
What's the best car insurance coverage for Minnesota drivers?
Full coverage car insurance is the best choice for most people in Minnesota.
Full coverage includes comprehensive and collision coverage, which pay for damage to your own car.
- Collision coverage pays for damage to your car after you hit another car or a stationary object, such as a building or pole.
- Comprehensive coverage pays for damage outside of your control, including theft, vandalism or an accident with an animal. It also protects your car against storm damage, including hail, flooding or a fallen tree branch.
Lenders typically require comprehensive and collision coverage if you have a car loan or lease. It's also a good idea if your car is less than eight years old or worth more than $5,000.
Additionally, full coverage usually includes higher liability limits than the state requirement. This is important because the minimum requirement may not be enough to cover the cost of a serious accident.
For example, if you crash into and total a brand-new car, it's unlikely that $10,000 of property damage liability coverage will be enough to replace it. You'll have to pay the remaining balance out of pocket.
Frequently asked questions
Is North Star Mutual cheaper than Travelers?
North Star Mutual offers cheaper rates than Travelers for minimum coverage, at $50 per month. It also has affordable rates for young drivers, including teens with a ticket or accident on their record. For example, North Star Mutual offers $162 per month for teens with an accident, compared to Travelers’ rate of $190 per month.North Star Mutual also has a higher customer service rating. However, Travelers charges less for full coverage rates for teens: $341 compared to $588.
What is the cheapest car insurance company in Minnesota?How much is car insurance per month in Minnesota?
The average cost of full coverage car insurance in Minnesota is $222 per month. Minimum liability coverage costs an average of $71 per month.
How much is auto insurance in Minneapolis, MN?
Car insurance in Minneapolis costs $271 per month for a full coverage policy, on average. That's $49 per month more expensive than the Minnesota average. In comparison, auto insurance in St. Paul costs slightly less for car insurance, at $268 per month.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Minnesota for the state's largest insurance companies. Quotes are for a 30-year-old man with a good credit score who owns a 2018 Honda Civic EX.
Rates are for a full coverage policy with liability coverage beyond the minimum requirements.
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $50,000 of property damage liability
- $40,000 of personal injury protection
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Jenn Jones is a Senior Writer at LendingTree where she covers auto, home, renters and motorcycle insurance topics.
Previously an editor for USA TODAY Blueprint and a finance manager at World Car dealerships, she has more than a decade of experience in the world of personal finance and a deep interest in sharing knowledge that empowers others. She’s also served as a freelance translator, copy editor, writer and researcher. She graduated from the University of Virginia with a B.S. in commerce and a B.A. in Chinese language and literature.
How insurance helped Jenn
Jenn first came to appreciate pet insurance when annual checkups for her cat and dog totaled more than $700.
Expertise
- Auto insurance
- Renters insurance
- Condo insurance
- Home insurance
Referenced by
- USA TODAY
- MSN
- F&I Magazine
- Automotive News
Education
- BS, Commerce, University of Virginia
- BA, Chinese Language and Literature, University of Virginia
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
