Why Compare Car Insurance Rates in Minnesota:
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.
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 |
For the majority of Minnesota drivers, Westfield offers the most affordable rates on the state's mandatory minimum auto insurance coverage. In comparison to the state average, State Farm charges $319 a year for insurance, which is 36% less expensive. American Family, 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.
| Company | Annual Premium |
|---|---|
| Westfield | $319 |
| State Farm | $358 |
| AAA | $399 |
| West Bend Mutual | $459 |
| Auto-Owners Insurance Co | $481 |
| Western National | $510 |
| American Family | $514 |
| Nationwide | $528 |
| Travelers | $585 |
| Farmers Union Insurance | $600 |
| Allstate | $657 |
| Country Financial | $658 |
| Iowa Farm Bureau | $760 |
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.
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:
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:
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 does require personal injury protection (PIP).
Several factors are taken into account when determining your rates. The below table shows insurance rates in Washington based on gender and marital status.
Car insurance quotes will vary from person to person based on various factors such as age, gender, and driving history, so it's recommended to compare free car insurance quotes from at least three providers and understand how much coverage you need to find the best deal for you.
| Company | Annual Premium |
|---|---|
| West Bend Mutual | $1,324 |
| Nationwide | $1,517 |
| American Family | $1,559 |
| AAA | $1,583 |
| Westfield | $1,676 |
| Farmers Union Insurance | $2,256 |
| Allstate | $2,265 |
| State Farm | $2,343 |
| Country Financial | $2,413 |
| Iowa Farm Bureau | $2,483 |
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
It costs an average of $1069 per year, or $89 per month, for minimum liability policies in Minnesota. Refer the following table to get the numbers of the different insurance quotes.
| Company | Annual Premium |
|---|---|
| AAA | $764 |
| State Farm | $832 |
| American Family | $835 |
| Westfield | $866 |
| Nationwide | $974 |
| West Bend Mutual | $1,017 |
| Auto-Owners Insurance Co | $1,042 |
| Travelers | $1,118 |
| Allstate | $1,284 |
| Iowa Farm Bureau | $1,286 |
| Western National | $1,392 |
| Country Financial | $1,420 |
| Farmers Union Insurance | $1,461 |
| Company | 16-year-old-female | 16-year-old-male |
|---|---|---|
| Nationwide | $3,436 | $3855 |
| State Farm | $2,483 | $3029 |
| Allstate | $4,180 | $5518 |
| Travelers | $4,084 | $4939 |
| Auto-Owners Insurance Co | $2,418 | $3117 |
| Company | Annual Premium |
|---|---|
| AAA | $694 |
| State Farm | $730 |
| American Family | $778 |
| Westfield | $850 |
| Nationwide | $918 |
| Auto-Owners Insurance Co | $940 |
| West Bend Mutual | $1,024 |
| Travelers | $1,054 |
| Farmers Union Insurance | $1,096 |
| Iowa Farm Bureau | $1,117 |
| Allstate | $1,236 |
| Western National | $1,354 |
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.
Among 18-year-old drivers in Minnesota, American Family has the cheapest car insurance policy for both minimum and full coverage. At $844 per year, the company's minimum policies are half of the average cost in the state.
| Company | Annual Premium |
|---|---|
| American Family | $844 |
| AAA | $1,017 |
| State Farm | $1,024 |
| Westfield | $1,107 |
| Nationwide | $1,206 |
| Auto-Owners Insurance Co | $1,235 |
| Travelers | $1,283 |
| Allstate | $1,365 |
| Iowa Farm Bureau | $1,395 |
| Farmers Union Insurance | $1,561 |
| West Bend Mutual | $1,706 |
| Country Financial | $1,845 |
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 |
| Owners Insurance | $1,333 |
| Statewide Average | $1,347 |
| Nationwide | $1,169 |
| Westfield | $1,038 |
| Western National | $1,362 |
| Iowa Farm Bureau | $1,419 |
| West Bend Mutual | $1,467 |
| 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 |
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 |
| Westfield | $1,169 |
| Western National | $1,358 |
| Iowa Farm Bureau | $1,667 |
| West Bend Mutual | $1,759 |
| Farmers Union Insurance | 1904 |
| 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 |
| Country Financial | $2,059 |
| Allied | $2,106 |
| MetLife | $2,324 |
| Allstate | $2,519 |
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 |
| Western National | $1,363 |
| West Bend Mutual | $1458 |
| Farmers Union Insurance | $1863 |
| Westfield | $1872 |
| Country Financial | $1865 |
| AAA | $3109 |
| Iowa Farm Bureau | $2473 |
| 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 |
| MetLife | $5,121 |
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 |
| Farmers | $2,125 |
| Allstate | $2,355 |
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 |
| Allstate | $3,390 |
| American Family | $4,750 |
| Farmers | $7,785 |
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.
| City | Annual 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 |
| Company | Avg. Annual Premium |
|---|---|
| Nationwide | $1,832 |
| American Family | $2,432 |
| State Farm | $2,572 |
| Allstate | $3,352 |
| USAA | $3,707 |
| Auto-Owners Insurance Co | $3,793 |
| 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 |
| 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 |
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:
When in doubt call your insurance agent.
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.
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.
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
In Minnesota, the total annual cost of minimum coverage auto insurance is $1053, or around $88 per month.
The average annual cost of auto insurance in Minnesota is $1263, about 12% less than the national average.
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.
A licensed vehicle in Minnesota must have liability, personal injury insurance, uninsured motorist, and underinsured motorist coverage in most cases.
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.
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.
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.
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.
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.
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.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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