Cheapest Auto Insurance in Minnesota (2025)
State Farm has the cheapest car insurance quotes in Minnesota, with liability-only quotes starting at $61 per month.
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Minnesota drivers pay $132 per month for car insurance, compared to the national average of $144. Multiple factors contribute to the Star of the North’s higher insurance costs, including its severe winters, risky driving behaviors like speeding and not wearing seat belts, and the state’s no-fault insurance system.
Still, Minnesota drivers can find affordable car insurance from companies like State Farm, Safeco, and Auto-Owners. Many of the top insurers in Minnesota offer discounts and other ways to lower your car insurance costs.
Cheapest car insurance companies in Minnesota
Each driver in Minnesota has a unique situation that leads to their specific car insurance rates.
As you consider your car insurance options, it’s helpful to shop around. If you don’t compare quotes from multiple insurance companies, it’s easy to accidentally overpay. Below is a breakdown of some of the best insurance companies in Minnesota to accelerate your search.
Best insurer for liability-only coverage: Safeco
Best insurer for full coverage: Nationwide
Best insurer for drivers with a military connection: Liberty Mutual
How to get the cheapest car insurance in Minnesota
While Drivers in the Land of 10,000 Lakes can’t skip car insurance, that doesn’t mean you have to overpay for this necessary expense. A few savings strategies include:6
Ask for a discount. Most insurance companies offer some discounts that can potentially lower your rates. Ask your insurance agent what discounts you might be eligible for.
Raise your deductible. Opting for a higher deductible usually leads to lower insurance premiums. But this is only a good option if you can afford a higher deductible if you need to file a claim.
Compare quotes. Shopping around to get quotes from multiple insurance companies can help you lock in the best rates. Since your situation can change over time, it’s a good idea to compare quotes at least once a year.
Affordable auto insurance programs in Minnesota
Minnesota doesn’t currently have a low-cost car insurance program to help low-income drivers find affordable policies. But in March 2024, state House of Representatives members introduced a bill that would create a low-cost motor vehicle insurance program for low-income Minnesotans. The bill is currently with the House Commerce, Finance, and Policy Committee.
Cheapest liability-only car insurance quotes in Minnesota: State Farm
Liability-only car insurance protects your wallet from the fallout of property damage and bodily injury liability. After you cause an accident, liability-only car insurance helps cover the cost of repairing the other person’s vehicle and their medical bills.2
This more limited insurance coverage often comes with the most affordable price tag. But liability coverage won’t help you pay for your own vehicle repair costs or medical expenses. The cheapest insurer for liability-only car insurance in Minnesota is State Farm, with an average cost of $61 per month.
Below is a breakdown of average liability insurance costs by car insurance company in Minnesota:
Cheapest full-coverage car insurance quotes in Minnesota: State Farm
Full-coverage car insurance comes with more robust protection for your wallet. In addition to liability coverage, it includes both comprehensive and collision coverage. After an accident, collision coverage can help you get back on the road with vehicle repairs or a replacement vehicle. Comprehensive insurance covers other incidents, like a tree falling on your car or a natural disaster.
Drivers with an auto loan or lease might be required to carry full coverage. But even if you don’t have to carry this coverage, it might offer the right amount of protection for your wallet. State Farm provides the cheapest full-coverage insurance in Minnesota, with monthly rates averaging $83.
Explore the average Minnesota full-coverage rates by insurance company below:
Car insurance requirements in Minnesota
Minnesota is a no-fault state, meaning if you get into an accident, your insurance company will cover your costs, no matter who’s at fault for the crash. States with no-fault insurance systems can have higher insurance rates than those with at-fault systems, since no-fault states typically require additional types of coverage besides just liability.
Below is a breakdown of Minnesota’s minimum-coverage requirements:3
Depending on your situation, you might choose to purchase more than the minimum liability requirements. Here are some other coverage options to consider:
Cheapest car insurance companies in MN for drivers with an incident
Driving-related incidents — like speeding tickets, DUIs, and at-fault accidents — can have a big effect on your car insurance costs.4
“When drivers have incidents on their record, they have a greater probability of filing insurance claims, leading to premium rate adjustments,” says Marianne Evans, vice president of claims at Hoffman Brown Company. “Incidents can result in additional expenses, such as repair costs, medical bills, or legal fees, which prompt insurance companies to modify their rates accordingly,” Evans cautions.
Ultimately, Minnesota drivers with a moving violation should expect to pay more for car insurance than a driver with a clean record.
Cheapest car insurance quotes for drivers with a speeding ticket: State Farm
The up-front fee tied to a speeding ticket is only the beginning of the costs. When you have a speeding ticket on your driving record, you’ll usually pay more for car insurance than drivers with a clean record.
Speed was a factor in 171 fatalities in Minnesota in 2021, according to the department of public safety. Minnesota drivers with a speeding ticket pay an average of $116 per month for liability-only insurance.
Take a look at the cheapest average monthly quotes for drivers with a speeding ticket in Minnesota.
Cheapest car insurance quotes for drivers with an at-fault accident: State Farm
No one wants to get into a car accident. Beyond the stress that comes with an accident, drivers typically face higher insurance premiums after an at-fault accident. The reason is that insurance companies might consider you a high-risk driver.
If you live in Minnesota and have an accident on your driving record, you’ll pay about $113 per month for liability-only coverage.
Here are the average monthly rates for drivers in Minnesota with an at-fault auto accident:
Cheapest car insurance quotes for drivers with a DUI: State Farm
A DUI is one of the most serious moving violations. With the extreme nature of this violation, drivers with a DUI pay more for car insurance than drivers with a clean record. And if you’ve been convicted of a DUI, some insurance companies might deny you altogether. But it’s still possible to find insurance coverage.
Drivers in Minnesota who have been convicted of a DUI may pay around $150 for a liability policy and $277 for a full-coverage policy.
Explore the average monthly rates for drivers with a DUI in Minnesota below:
Cheapest car insurance quotes for seniors: State Farm
When determining premiums, insurance companies often take your age into account. In general, drivers start to see falling auto insurance rates between the ages of 25 and 35. The downward trend continues for decades. But around age 75, senior drivers often see a slight uptick in their rates.
Senior drivers in Minnesota pay an average of $139 per month for full coverage.
Check out the table below to see which insurance companies offer the lowest monthly rates to senior drivers in Minnesota:
Cheapest car insurance quotes for teens: State Farm
Young drivers’ lack of experience behind the wheel typically leads to higher auto insurance premiums for teen drivers. A liability-only policy costs teen drivers in Minnesota $184 per month, on average. Full-coverage insurance for teens is even more expensive, with rates averaging $339 per month.
While it’s impossible to change your age, you can tap into lower car insurance premiums as a teen driver. Some savings strategies include getting good grades, raising your deductible, and sticking with your parents’ insurance policy.5
Start your search by exploring the average monthly rates for teen drivers in Minnesota below:
Minnesota car insurance quotes by credit tier
Minnesota insurance companies can look at your credit history when determining insurance premiums. Drivers with excellent or good credit scores generally pay less than drivers with poor credit scores.
If you want to boost your credit score in pursuit of lower insurance premiums, consider making on-time payments a priority and removing any mistakes from your credit report.
Below is a breakdown of average insurance costs in Minnesota by credit tier:
Car insurance rates across Minnesota cities
Car insurance companies take into account the city you live in when setting your car insurance rate. This is because your location gives insurers an idea of the traffic levels, vehicle crime rates, and weather patterns that affect your driving. These factors indicate the risk the company takes on when insuring you. That’s why car insurance rates in Minnesota vary widely based on where you live. Check out the table below for a closer look at the average car insurance rates for drivers in different Minnesota cities.