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  • On average, people who compare rates save about $970 a year on car insurance
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Minnesota's no-fault insurance policy makes it difficult to find affordable coverage. You can expect to pay around $1,320 per year for full coverage car insurance in Minnesota or around $579 per year for the minimum level of coverage. Insurers' premiums rise in lockstep with the rising costs of providing coverage. If you just got your driver's license or recently moved to Minnesota, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Minnesota.

Minimum Required Auto Insurance Coverage in Minnesota

All states require you to buy minimum insurance coverage before you can register your car. According to the Minnesota Insurance Department, all car owners must have at least the following:

Auto Insurance Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $30,000 bodily injury per person
$60,000 bodily injury per accident
Property damage liability coverage $10,000 per accident
Uninsured/underinsured motorist coverage $25,000 per person
$50,000 per accident
Personal injury protection (PIP) $40,000 per accident

Cheapest Car Insurance in Minnesota for Minimum Required Coverage

For the majority of Minnesota drivers, State Farm offers the most affordable rates on the state's mandatory minimum auto insurance coverage. In comparison to the state average, State Farm charges $475 a year for insurance, which is 36% less expensive. American Family, The General, and Auto-Owners are also affordable options for drivers, but the average cost of coverage from these companies is more per year than State Farm's rate. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

See what you could save on auto insurance

Minnesota Car Insurance Laws

Like most states require drivers to carry a certain level of auto insurance, Minnesota has its own set of regulations. In order to be able to drive legally, you must carry at least the bare minimum of insurance coverage. You and other drivers are also safeguarded by the bare minimums. No-fault/personal injury protection (PIP) and liability coverage are mandated by the Minnesota No-Fault Act for all drivers in the state.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Minnesota Auto Insurance Requirements

Drivers in Minnesota are required by law to carry a certain amount of insurance coverage for their vehicles. They are required to carry the following levels of insurance as a bare minimum:

  • There is a limit of $30,000 per person's bodily injury
  • Each accident costs $60,000 to cover injuries to people's bodies
  • Each accident will cost a total of $10,000 in property damage

Uninsured and underinsured motorist coverage is also required. If an uninsured motorist causes an accident and injures the driver, the uninsured motorist coverage protects the driver legally. In cases where the at-fault driver has insurance but not enough to cover all of the injured party's expenses, underinsured driver insurance protects the at-fault driver. Those driving in Minnesota are required to carry insurance policies with the following limits:

  • $25,000 for injuries to one person
  • Injuries to two or more people will cost $50,000

Drivers purchasing an uninsured motorist policy are responsible for covering the costs of their own injuries, rather than relying on the at-fault driver's insurance company to do so.

Minnesota car insurance PIP requirements

Minnesota does require personal injury protection (PIP).

  • For each accident, each victim will be charged $40,000.
  • A hospital and medical expense fund of $20,000
  • Non-medical costs of $20,000

Proof of Auto Insurance in Minnesota

Your insurance ID card or copy of your policy's declaration page can serve as proof of insurance if requested by a Minnesota law enforcement officer

Average Cost of Auto Insurance Companies in Minnesota

USAA is the cheapest at an average of $880 per year, or $73 per month, for minimum liability policies in Minnesota. Refer the following table to get the numbers of the different insurance quotes.

COMPANY AVERAGE ANNUAL RATE
USAA $880
Nationwide $938
State Farm $1000
AAA $1,007
Auto Owners Insurance Co $1,093
Statewide Average $1,167
The General $1,186
American Family Insurance $1,212
Owners Insurance $1,222
Allied $1,255
Travelers $1,265
MetLife $1,357
Country Financial $1,553
Allstate $1,635

Cheapest Car Insurance Quotes for Minnesota Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Minnesota from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Minnesota. According to our in-house market research, these companies offer the best auto insurance in Minnesota.

Cheap car insurance in Minnesota for young Minnesota drivers

Among 18-year-old drivers in Minnesota, State Farm has the cheapest car insurance policy for both minimum and full coverage. At $1,963 per year, the company's minimum policies are half of the average cost in the state.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $3,389 $4,828
American Family Insurance $3,020 $3,156
The General $3,132 $4,267
Nationwide $2,860 $3,238
Owners Insurance $2,528 $3,221
State Farm $1,963 $2,417
Travelers $2,774 $3,140
USAA $2,647 $2,897
Statewide Average $2,789 $3,396

Cheap car insurance for Minnesota drivers with a speeding ticket

USAA has the cheapest car insurance for drivers who have a ticket on their record. Full coverage costs $1,029 per year with the insurer, which is 30 percent cheaper than average.

COMPANY AVERAGE ANNUAL RATE
USAA $1,029
Nationwide $1,050
State Farm $1,071
The General $1,328
Owners Insurance $1,333
Statewide Average $1,347
American Family Insurance $1,402
Auto Owners Insurance Co $1,457
Travelers $1,673
Allied $1,757
AAA $1,866
MetLife $1,881
Country Financial $1,905
Allstate $1,907

Cheap auto insurance for Minnesota drivers after a car accident

For drivers with a history of traffic violations or accidents, State Farm has the most affordable rates. In comparison to the statewide average, the insurer charges 54% less for coverage, averaging $1,162 per year for full coverage.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,162
USAA $1,204
Nationwide $1,293
Auto Owners Insurance Co $1,449
American Family Insurance $1,453
Owners Insurance $1,527
AAA $1,559
Statewide Average $1,620
Travelers $1,744
The General $2,054
Country Financial $2,059
Allied $2,106
MetLife $2,324
Allstate $2,519

Cheap car insurance quotes for Minnesota drivers with a DUI

State Farm offers the most affordable car insurance in Minnesota for those who have been charged with a DUI. State Farm's full-coverage rate of $1,081 is 36% lower than the national average for drivers with a prior DUI conviction.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,081
American Family Insurance $1,412
Nationwide $1,485
USAA $1,613
Statewide Average $2,064
Travelers $2,101
Country Financial $2,169
Owners Insurance $2,226
Auto Owners $2,239
Allied $2,599
Allstate $2,787
MetLife $3,268
The General $3,805
MetLife $5,121

Cheap car insurance for married Minnesota drivers

Even though State Farm charges $1,125 per year for full coverage for married drivers in Minnesota, it does not offer a discount for married drivers. Married drivers in the state pay an average of 8% less than single drivers.

Company Annual rate
State Farm $1,125
Auto-Owners $1,535
American Family $1,560
The General $1,890
Farmers $2,125
Allstate $2,355

Cheap full coverage car insurance quotes for young drivers with an accident history

State Farm, which charges 55% less than the national average and charges $1,335 per year for the bare minimum of coverage, offers the best rates for young drivers who have been in an accident. After an at-fault accident, young drivers can expect their insurance rates to rise by 45% on average.

Company Annual rate
State Farm $1,335
Auto-Owners $1,940
The General $3,065
Allstate $3,390
American Family $4,750
Farmers $7,785

See what you could save on auto insurance

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Minnesota costs $1800 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Ada$1,721
Adams$1,625
Adolph$1,769
Adrian$1,625
Afton$1,889
Ah Gwah Ching$1,817
Aitkin$1,853
Akeley$1,829
Albany$1,877
Albert Lea$1,529
Alberta$1,637
Albertville$1,781
Alborn$1,913
Alden$1,589
Aldrich$1,841
Alexandria$1,649
Almelund$1,913
Alpha$1,601
Altura$1,757
Alvarado$1,745
Amboy$1,649
Andover$1,937
Angle Inlet$1,685
Angora$1,853
Annandale$1,865
Anoka$1,913
Apple Valley$1,757
Appleton$1,649
Arco$1,661
Arden Hills$1,949
Argyle$1,733
Arlington$1,733
Arnold$1,781
Ashby$1,709
Askov$1,853
Atwater$1,685
Audubon$1,709
Aurora$1,817
Austin$1,601
Avoca$1,637
Avon$1,793
Babbitt$1,829
Backus$1,817
Badger$1,757
Bagley$1,817
Balaton$1,637
Barnesville$1,745
Barnum$1,817
Barrett$1,673
Barry$1,637
Battle Lake$1,709
Baudette$1,709
Baxter$1,841
Bayport$1,793
Beardsley$1,673
Beaver Creek$1,649
Becker$1,829
Bejou$1,805
Belgrade$1,757
Belle Plaine$1,781
Bellingham$1,601
Beltrami$1,709
Belview$1,613
Bemidji$1,781
Bena$1,877
Benedict$1,877
Benson$1,649
Bertha$1,829
Bethel$1,937
Big Falls$1,805
Big Lake$1,805
Bigelow$1,601
Bigfork$1,853
Bingham Lake$1,733
Birchdale$1,877
Birchwood Village$1,829
Bird Island$1,637
Biwabik$1,793
Blackduck$1,865
Blaine$1,913
Blomkest$1,673
Blooming Prairie$1,613
Bloomington$1,889
Blue Earth$1,625
Bluffton$1,781
Bock$1,877
Borup$1,733
Bovey$1,805
Bowlus$1,937
Bowstring$1,913
Boyd$1,661
Braham$1,877
Brainerd$1,865
Brandon$1,733
Breckenridge$1,745
Breezy Point$1,817
Brewster$1,601
Bricelyn$1,625
Brimson$1,925
Britt$1,829
Brook Park$1,877
Brooklyn Center$2,237
Brooklyn Park$2,057
Brooks$1,721
Brookston$1,889
Brooten$1,769
Browerville$1,865
Browns Valley$1,721
Brownsdale$1,613
Brownsville$1,757
Brownton$1,673
Bruno$1,853
Buffalo$1,805
Buffalo Lake$1,613
Buhl$1,841
Burnsville$1,865
Burtrum$1,889
Butterfield$1,601
Byron$1,637
Caledonia$1,745
Callaway$1,757
Calumet$1,829
Cambridge$1,925
Campbell$1,685
Canby$1,637
Cannon Falls$1,817
Canton$1,793
Canyon$1,913
Carlos$1,709
Carlton$1,781
Carver$1,721
Cass Lake$1,817
Cedar$1,925
Center City$1,925
Centerville$1,925
Ceylon$1,613
Champlin$1,889
Chandler$1,625
Chanhassen$1,721
Chaska$1,721
Chatfield$1,721
Chisago City$1,913
Chisholm$1,781
Chokio$1,649
Circle Pines$1,877
Clara City$1,661
Claremont$1,709
Clarissa$1,829
Clarkfield$1,601
Clarks Grove$1,589
Clear Lake$1,853
Clearbrook$1,829
Clearwater$1,841
Clements$1,661
Cleveland$1,709
Climax$1,733
Clinton$1,625
Clitherall$1,721
Clontarf$1,601
Cloquet$1,781
Cohasset$1,781
Cokato$1,817
Cold Spring$1,841
Coleraine$1,769
Cologne$1,721
Columbia Heights$2,117
Columbus$1,961
Comfrey$1,601
Comstock$1,673
Conger$1,673
Cook$1,877
Coon Rapids$1,937
Corcoran$1,769
Correll$1,769
Cosmos$1,661
Cottage Grove$1,841
Cotton$1,889
Cottonwood$1,649
Courtland$1,637
Crane Lake$1,889
Cromwell$1,865
Crookston$1,805
Crosby$1,829
Crosslake$1,889
Crystal$1,973
Crystal Bay$1,757
Currie$1,649
Cushing$1,889
Cyrus$1,649
Dakota$1,697
Dalbo$1,925
Dalton$1,661
Danube$1,613
Danvers$1,649
Darfur$1,613
Darwin$1,709
Dassel$1,721
Dawson$1,613
Dayton$1,805
Deephaven$1,745
Deer Creek$1,745
Deer River$1,829
Deerwood$1,841
Delano$1,769
Delavan$1,613
Dellwood$1,817
Dennison$1,757
Dent$1,697
Detroit Lakes$1,685
Dexter$1,673
Dilworth$1,697
Dodge Center$1,649
Donaldson$1,793
Donnelly$1,601
Dover$1,697
Dovray$1,601
Duluth$1,769
Dumont$1,661
Dundas$1,709
Dunnell$1,589
Eagan$1,829
Eagle Bend$1,817
Eagle Lake$1,661
East Bethel$1,925
East Grand Forks$1,685
East Gull Lake$1,865
Easton$1,577
Echo$1,733
Eden Prairie$1,793
Eden Valley$1,745
Edgerton$1,649
Edina$1,865
Effie$1,865
Eitzen$1,757
Elbow Lake$1,721
Elgin$1,697
Elizabeth$1,685
Elk River$1,853
Elko New Market$1,805
Elkton$1,685
Ellendale$1,601
Ellsworth$1,661
Elmore$1,553
Elrosa$1,769
Ely$1,853
Elysian$1,721
Embarrass$1,829
Emily$1,901
Emmons$1,625
Erhard$1,709
Erskine$1,745
Esko$1,745
Essig$1,589
Euclid$1,793
Evansville$1,709
Eveleth$1,769
Excelsior$1,733
Eyota$1,661
Fairfax$1,565
Fairmont$1,565
Falcon Heights$2,045
Faribault$1,757
Farmington$1,781
Farwell$1,721
Federal Dam$1,913
Felton$1,805
Fergus Falls$1,649
Fertile$1,745
Fifty Lakes$1,889
Finland$1,841
Finlayson$1,865
Fisher$1,721
Flensburg$1,925
Flom$1,745
Floodwood$1,901
Foley$1,889
Forbes$1,817
Forest Lake$1,949
Foreston$1,901
Fort Ripley$1,889
Fosston$1,805
Fountain$1,769
Foxhome$1,721
Franklin$1,601
Frazee$1,709
Freeborn$1,661
Freeport$1,817
Fridley$2,057
Frontenac$1,709
Frost$1,625
Fulda$1,649
Garden City$1,721
Garfield$1,673
Garrison$1,961
Garvin$1,661
Gary$1,781
Gatzke$1,865
Gaylord$1,673
Genola$1,961
Georgetown$1,745
Ghent$1,625
Gibbon$1,661
Gilbert$1,781
Gilman$1,853
Glencoe$1,649
Glenville$1,565
Glenwood$1,637
Glyndon$1,721
Golden Valley$1,877
Gonvick$1,793
Good Thunder$1,697
Goodhue$1,745
Goodland$1,841
Goodridge$1,805
Goodview$1,637
Graceville$1,721
Granada$1,613
Grand Marais$1,781
Grand Meadow$1,697
Grand Portage$1,793
Grand Rapids$1,745
Grandy$1,949
Granite Falls$1,625
Grant$1,817
Grasston$1,901
Green Isle$1,745
Greenbush$1,769
Greenfield$1,841
Greenwald$1,769
Greenwood$1,745
Grey Eagle$1,877
Grove City$1,685
Grygla$1,853
Gully$1,757
Hackensack$1,865
Hallock$1,913
Halma$1,769
Halstad$1,757
Ham Lake$1,949
Hamburg$1,769
Hamel$1,829
Hampton$1,829
Hancock$1,589
Hanley Falls$1,661
Hanover$1,817
Hanska$1,589
Hardwick$1,685
Harmony$1,721
Harris$1,901
Hartland$1,613
Hastings$1,841
Hawley$1,685
Hayfield$1,661
Hayward$1,577
Hector$1,673
Henderson$1,757
Hendricks$1,685
Hendrum$1,733
Henning$1,721
Henriette$1,853
Herman$1,709
Hermantown$1,721
Heron Lake$1,601
Hewitt$1,829
Hibbing$1,745
Hill City$1,853
Hillman$1,973
Hills$1,721
Hilltop$2,117
Hinckley$1,877
Hines$1,841
Hitterdal$1,805
Hoffman$1,649
Hokah$1,745
Holdingford$1,853
Holland$1,661
Hollandale$1,637
Holloway$1,649
Holmes City$1,709
Holyoke$1,925
Hopkins$1,853
Houston$1,721
Hovland$1,805
Howard Lake$1,853
Hoyt Lakes$1,817
Hugo$1,913
Humboldt$1,733
Huntley$1,613
Hutchinson$1,625
Ihlen$1,589
Independence$1,781
International Falls$1,745
Inver Grove Heights$1,841
Iona$1,709
Iron$1,769
Ironton$1,829
Isabella$1,853
Isanti$1,937
Isle$1,853
Ivanhoe$1,637
Jackson$1,637
Jacobson$1,901
Janesville$1,637
Jasper$1,601
Jeffers$1,649
Jenkins$1,829
Jordan$1,781
Kabetogama$1,805
Kanaranzi$1,673
Kandiyohi$1,685
Karlstad$1,757
Kasota$1,661
Kasson$1,637
Keewatin$1,805
Kelliher$1,865
Kellogg$1,757
Kennedy$1,769
Kenneth$1,613
Kensington$1,709
Kent$1,709
Kenyon$1,757
Kerkhoven$1,721
Kerrick$1,817
Kettle River$1,817
Kiester$1,601
Kilkenny$1,781
Kimball$1,829
Kinney$1,841
Knife River$1,865
La Crescent$1,721
La Salle$1,589
Lafayette$1,565
Lake Benton$1,613
Lake Bronson$1,781
Lake City$1,733
Lake Crystal$1,697
Lake Elmo$1,853
Lake George$2,021
Lake Hubert$1,865
Lake Lillian$1,709
Lake Park$1,709
Lake Shore$1,817
Lake St. Croix Beach$1,841
Lake Wilson$1,577
Lakefield$1,613
Lakeland$1,829
Lakeville$1,793
Lamberton$1,589
Lancaster$1,781
Lanesboro$1,733
Laporte$1,889
Lastrup$1,889
Lauderdale$2,045
Le Center$1,733
Le Roy$1,685
Le Sueur$1,709
Lengby$1,769
Leonard$1,805
Leota$1,745
Lester Prairie$1,709
Lewiston$1,757
Lewisville$1,577
Lexington$1,889
Lilydale$1,877
Lindstrom$1,913
Lino Lakes$1,901
Lismore$1,649
Litchfield$1,673
Little Canada$2,129
Little Falls$1,877
Little Rock$1,865
Littlefork$1,793
Loman$1,877
Long Lake$1,733
Long Prairie$1,805
Longville$1,817
Lonsdale$1,805
Loretto$1,793
Lowry$1,673
Lucan$1,721
Lutsen$1,793
Luverne$1,661
Lyle$1,577
Lynd$1,613
Mabel$1,757
Madelia$1,625
Madison$1,625
Madison Lake$1,673
Magnolia$1,685
Mahnomen$1,793
Mahtomedi$1,805
Mahtowa$1,781
Makinen$1,937
Mankato$1,589
Mantorville$1,649
Maple Grove$1,769
Maple Lake$1,841
Maple Plain$1,781
Mapleton$1,697
Maplewood$2,105
Marble$1,805
Marcell$1,853
Margie$1,805
Marietta$1,625
Marine on St. Croix$1,901
Marshall$1,697
Martin Lake$1,937
Max$1,913
Mayer$1,733
Maynard$1,601
Mazeppa$1,709
Mc Grath$1,853
McGregor$1,877
McIntosh$1,745
Meadowlands$1,901
Medford$1,721
Medicine Lake$1,865
Medina$1,781
Melrose$1,769
Melrude$1,853
Menahga$1,793
Mendota$1,937
Mendota Heights$1,877
Mentor$1,757
Merrifield$1,829
Middle River$1,817
Milaca$1,949
Milan$1,589
Millville$1,745
Milroy$1,673
Miltona$1,721
Minneapolis$2,081
Minneota$1,685
Minnesota City$1,721
Minnesota Lake$1,649
Minnetonka$1,793
Minnetonka Beach$1,757
Minnetrista$1,769
Mizpah$1,793
Montevideo$1,649
Montgomery$1,793
Monticello$1,829
Montrose$1,841
Moorhead$1,625
Moose Lake$1,805
Mora$1,853
Morgan$1,661
Morris$1,601
Morristown$1,745
Morton$1,637
Motley$1,853
Mound$1,769
Mounds View$1,949
Mountain Iron$1,769
Mountain Lake$1,577
Murdock$1,697
Nashua$1,745
Nashwauk$1,805
Navarre$1,745
Naytahwaush$1,805
Nelson$1,709
Nerstrand$1,733
Nett Lake$1,829
Nevis$1,805
New Brighton$1,949
New Germany$1,769
New Hope$1,877
New London$1,685
New Munich$1,805
New Prague$1,757
New Richland$1,565
New Ulm$1,601
New York Mills$1,721
Newfolden$1,733
Newport$1,889
Nicollet$1,637
Nielsville$1,733
Nimrod$1,829
Nisswa$1,817
Norcross$1,709
North Branch$1,877
North Mankato$1,613
North Oaks$1,877
North St. Paul$1,997
Northfield$1,733
Northome$1,865
Northrop$1,565
Norwood$1,925
Norwood Young America$1,733
Nowthen$1,925
Noyes$1,733
Oak Grove$1,937
Oak Island$1,673
Oak Park$1,925
Oak Park Heights$1,805
Oakdale$1,889
Oakport$1,601
Odessa$1,661
Odin$1,649
Ogema$1,781
Ogilvie$1,913
Okabena$1,649
Oklee$1,757
Olivia$1,601
Onamia$1,889
Ormsby$1,613
Orono$1,757
Oronoco$1,637
Orr$1,889
Ortonville$1,673
Osage$1,769
Osakis$1,769
Oslo$1,757
Osseo$1,805
Ostrander$1,721
Otsego$1,805
Ottertail$1,721
Outing$1,877
Owatonna$1,613
Palisade$1,853
Park Rapids$1,853
Parkers Prairie$1,733
Paynesville$1,781
Pease$1,913
Pelican Rapids$1,709
Pemberton$1,697
Pengilly$1,829
Pennington$1,865
Pennock$1,697
Pequot Lakes$1,817
Perham$1,673
Perley$1,745
Peterson$1,721
Pierz$1,973
Pillager$1,853
Pine City$1,877
Pine Island$1,673
Pine River$1,817
Pipestone$1,589
Plainview$1,709
Plato$1,661
Plummer$1,733
Plymouth$1,781
Ponemah$1,865
Ponsford$1,793
Porter$1,673
Preston$1,685
Princeton$1,877
Prinsburg$1,673
Prior Lake$1,781
Proctor$1,733
Puposky$1,901
Racine$1,745
Ramsey$1,949
Randall$1,805
Randolph$1,817
Ranier$1,769
Raymond$1,649
Reading$1,661
Reads Landing$1,733
Red Lake Falls$1,697
Red Wing$1,817
Redby$1,865
Redlake$1,853
Redwood Falls$1,709
Remer$1,877
Renville$1,649
Revere$1,757
Rice$1,853
Richfield$1,997
Richmond$1,805
Richville$1,721
Richwood$1,697
Robbinsdale$1,949
Rochert$1,721
Rochester$1,637
Rock Creek$1,877
Rockford$1,817
Rockville$1,757
Rogers$1,769
Rollingstone$1,769
Roosevelt$1,721
Roscoe$1,781
Rose Creek$1,613
Roseau$1,721
Rosemount$1,841
Roseville$2,033
Rothsay$1,721
Round Lake$1,649
Royalton$1,877
Rush City$1,889
Rushford$1,709
Rushford Village$1,709
Rushmore$1,625
Russell$1,685
Ruthton$1,685
Sabin$1,697
Sacred Heart$1,613
Saginaw$1,853
Saint Clair$1,697
Saint Cloud$1,733
Saint Hilaire$1,673
Saint Paul$1,877
Saint Stephen$1,805
Saint Vincent$1,733
Salol$1,757
Sanborn$1,649
Sandstone$1,829
Santiago$1,841
Sargeant$1,661
Sartell$1,745
Sauk Centre$1,793
Sauk Rapids$1,793
Savage$1,757
Sawyer$1,865
Scandia$1,901
Scanlon$1,781
Schroeder$1,817
Seaforth$1,613
Searles$1,637
Sebeka$1,817
Shafer$1,925
Shakopee$1,769
Shelly$1,757
Sherburn$1,613
Shevlin$1,817
Shoreview$1,889
Shorewood$1,733
Side Lake$1,745
Silver Bay$1,781
Silver Creek$1,757
Silver Lake$1,697
Slayton$1,661
Sleepy Eye$1,589
Solway$1,805
Soudan$1,853
South Haven$1,841
South International Falls$1,769
South St. Paul$1,985
Spicer$1,709
Spring Grove$1,709
Spring Lake$1,901
Spring Lake Park$2,009
Spring Park$1,913
Spring Valley$1,721
Springfield$1,565
Squaw Lake$1,853
St. Anthony$2,093
St. Augusta$1,757
St. Bonifacius$1,721
St. Charles$1,709
St. Cloud$1,769
St. Francis$1,949
St. James$1,577
St. Joseph$1,733
St. Louis Park$1,877
St. Marys Point$1,841
St. Michael$1,781
St. Paul$2,189
St. Paul Park$1,925
St. Peter$1,613
St. Rosa$1,817
Stacy$1,925
Stanchfield$1,877
Staples$1,841
Starbuck$1,673
Steen$1,673
Stephen$1,733
Stewart$1,637
Stewartville$1,673
Stillwater$1,817
Stockton$1,661
Storden$1,673
Strandquist$1,757
Strathcona$1,793
Sturgeon Lake$1,841
Sunburg$1,709
Sunfish Lake$1,901
Swan River$1,853
Swanville$1,853
Swatara$1,973
Swift$1,697
Taconite$1,805
Talmoon$1,829
Tamarack$1,889
Taopi$1,697
Taunton$1,733
Taylors Falls$1,961
Tenstrike$1,853
The Lakes$1,649
Thief River Falls$1,697
Tintah$1,781
Tofte$1,805
Tonka Bay$1,745
Tower$1,853
Tracy$1,649
Trail$1,817
Trimont$1,637
Truman$1,541
Twig$1,829
Twin Lakes$1,589
Twin Valley$1,757
Two Harbors$1,889
Tyler$1,649
Ulen$1,721
Underwood$1,709
Upsala$1,925
Utica$1,817
Vadnais Heights$1,853
Vergas$1,721
Verndale$1,841
Vernon Center$1,721
Vesta$1,721
Victoria$1,733
Viking$1,769
Villard$1,733
Vining$1,781
Virginia$1,757
Wabasha$1,697
Wabasso$1,613
Waconia$1,721
Wadena$1,805
Wahkon$1,889
Waite Park$1,769
Waldorf$1,637
Walker$1,829
Walnut Grove$1,673
Waltham$1,673
Wanamingo$1,721
Wanda$1,637
Wannaska$1,781
Warba$1,805
Warren$1,877
Warroad$1,685
Warsaw$1,709
Waseca$1,589
Waskish$2,033
Watertown$1,757
Waterville$1,769
Watkins$1,829
Watson$1,661
Waubun$1,757
Waverly$1,817
Wayzata$1,745
Webster$1,793
Welch$1,841
Welcome$1,601
Wells$1,613
Wendell$1,661
West Concord$1,697
West St. Paul$1,901
West Union$1,817
Westbrook$1,661
Wheaton$1,721
White Bear Lake$1,841
Willernie$1,817
Williams$1,769
Willmar$1,697
Willow River$1,853
Wilmont$1,601
Windom$1,661
Winger$1,745
Winnebago$1,601
Winona$1,649
Winsted$1,721
Winthrop$1,649
Winton$1,853
Wirt$1,913
Wolverton$1,721
Wood Lake$1,685
Woodbury$1,817
Woodland$1,757
Woodstock$1,637
Worthington$1,613
Wrenshall$1,781
Wright$1,829
Wykoff$1,757
Wyoming$1,913
Young America$1,757
Zimmerman$1,913
Zumbro Falls$1,721
Zumbrota$1,685

Cheap auto insurance in Minnesota with bad credit

COMPANY Avg. Annual Premium
Nationwide $1,832
American Family $2,432
State Farm $2,572
The General $2,978
Allstate $3,352
USAA $3,707
Auto-Owners Insurance Co $3,793

Minnesota auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,717 1% $10
One Med/PIP claim $1,726 2% $20
Not-at-fault accident $1,760 4% $53
One comp claim $1,807 6% $100
Two Med/PIP claims $1,807 6% $100
Two comp claims $1,893 11% $186
Failure to wear a seat belt $1,942 14% $235
Failure to show documents $1,944 14% $237
Driving without lights $1,964 15% $257
Child safety restraint $1,964 16% $257
Driving with expired registration $1,979 16% $272
Texting while driving $2,093 23% $386
Cell phone violation $2,093 23% $386
Following too closely $2,094 23% $387
Speeding 6 - 10 MPH over limit $2,102 24% $395
Illegal turn $2,105 24% $398
Failure to stop at a red light $2,108 24% $401
Improper passing $2,113 24% $406
Wrong way/wrong lane $2,115 24% $408
Driving too slowly $2,115 24% $408
Speeding in school zone $2,118 24% $411
Failure to yield $2,119 25% $413
Speeding 11 - 15 MPH over limit $2,129 25% $422
Speeding 16 - 20 MPH over limit $2,154 27% $447
At-fault accident - less than $1000 $2,163 27% $457
Passing school bus $2,191 29% $484
Operating a vehicle without permission $2,240 32% $534
Speeding 21 - 25 MPH over limit $2,283 34% $576
In 65 MPH zone $2,285 34% $578
At-fault accident - $1000-$2000 $2,400 41% $693
At-fault accident - greater than $2000 $2,471 45% $764
Open container $2,515 48% $809
Racing $2,998 76% $1,291
Reckless driving $3,056 79% $1,349
Driving with a suspended license $3,455 103% $1,748
Refusal to submit to a chemical test $3,468 104% $1,762
DUI $3,533 108% $1,836
Leaving scene of an accident/hit and run $3,689 117% $1,982

Car insurance price trends in Minnesota

Year Avg. Annual Premium - Minnesota Yearly Change - Minnesota Avg. Annual Premium - US Yearly Change - US
2021 $1,320 -$78 $1,539 $56
2020 $1,408 $49 $1,493 -$51
2019 $1,369 -$12 $1,554 $33
2018 $1,371 -$395 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

How to Find The Best Car Insurance in Minnesota

Finding low-cost Minnesota car insurance is a significant financial decision. The cheapest car insurance in Minnesota is not always the best option, and the best car insurance is more than just the cheapest policy.

Minnesota auto insurance companies with the highest customer satisfaction ratings also have an efficient claims process and helpful policy management tools.

In Minnesota, those who live can choose between national and regional auto insurance providers, and our investigation has revealed which ones are the best. Alternatively, you can click on the top banner to learn more about Minnesota's most affordable auto insurance options.

Get the best car insurance company for yourself by following the below steps:

  • Compare car insurance
  • Inquire about add-ons
  • Read about the claims process
  • Understand the claim settlement ratio of the company

When in doubt call your insurance agent.

Things to Know About Car Insurance When Moving to Minnesota

In the state of Minnesota, car insurance typically follows the vehicle. Collision, comprehensive, uninsured motorist protection, and property damage liability insurance are the four types of auto insurance that apply in Minnesota.

How to Get Discounts on Car Insurance in Minnesota

There are a variety of auto insurance discounts available in Minnesota, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Minnesota Car Insurance FAQ's

How much is car insurance in MN per month?

In Minnesota, the total annual cost of minimum coverage auto insurance is $1053, or around $88 per month.

How much is car insurance in Minnesota?

The average annual cost of auto insurance in Minnesota is $1263, about 12% less than the national average.

Why is car insurance so expensive in Minnesota?

Since Minnesota is a no-fault state, car insurance is costly. In Minnesota, total coverage auto insurance costs around $1329 per year, while minimum coverage costs around $585 per year. If the cost of offering insurance rises, so do the premiums charged by insurers.

What car insurance is required in MN?

A licensed vehicle in Minnesota must have liability, personal injury insurance, uninsured motorist, and underinsured motorist coverage in most cases.

How much is a no insurance ticket in MN?

Driving without insurance is a misdemeanor in Minnesota, punishable by fines of up to $1000 and up to 90 days in prison. However, the statute also specifies that "the court shall levy a fine of not less than $200," implying that driving without insurance citation would cost you at least $200. A first conviction for driving without insurance usually results in a fine of $200 and no prison time.

Is Minnesota an at fault state?

Minnesota is, indeed, a no-fault territory. Since Minnesota is a "no-fault" state, each driver's insurance pays for their medical bills regardless of who caused the accident. Minnesota, in particular, has contributory negligence rules. You cannot sue the other driver for damages if you are even 1% at fault in an accident.

What is PIP coverage in Minnesota?

Personal injury prevention (PIP) insurance is available in Minnesota for all drivers. It pays for your medical bills if you are injured in a car accident, regardless of who is at fault. PIP insurance pays for medical bills, missed wages, and other costs incurred due to a car accident injury, such as child care.

What happens if you don't have car insurance in Minnesota?

In Minnesota, driving without auto insurance is considered a misdemeanor crime. Anyone charged with driving without insurance faces a maximum sentence of 90 days in prison and a fine of $1000.

Does auto insurance follow the car or the driver in Minnesota?

In Minnesota, auto insurance typically accompanies the vehicle.Collision, comprehensive, uninsured motorist safety and property damage liability are the forms of auto insurance that accompany the car in Minnesota.

Can you get car insurance without a license in Minnesota?

You won't be able to finalize a policy if you don't have a valid driver's license and can't supply a valid driver's license amount.

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