Best Car Insurance in Minnesota (2025)

Farmers, GEICO, and State Farm are three of the best car insurance companies in Minnesota.

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Shopping for car insurance can be intimidating because each driver has unique needs and priorities. To help Minnesota drivers find the best coverage, Insurify analyzed 50 car insurance companies, evaluating factors such as affordability, customer satisfaction, coverage options, and financial strength to determine the top insurance companies in the state.

Here’s what you should know about finding the best car insurance company in Minnesota for your coverage needs.

Best car insurance companies in Minnesota

The best way to find quality coverage that works for you is to compare quotes from multiple auto insurance companies. Start your search below with some of the best car insurance companies in the North Star State.

Farmers: Best overall

GEICO: Best for potential discounts

State Farm: Best for industry knowledge

Allstate: Best for rideshare insurance

Progressive: Best for emergency support

  • Our editorial team analyzed regional and national car insurance companies that sell policies in Minnesota to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Minnesota 

If you’re looking for the best car insurance in Minnesota, you should do some research to find the best option for you. You don’t want to choose the first insurer to offer you a decent premium. Take some time to find the right car insurance policy that meets your needs and fits your budget with these tips.

Average cost of car insurance in Minnesota

Minnesota drivers pay an average rate of $92 per month for minimum-coverage insurance and $170 for full-coverage insurance. For comparison, the national average insurance rate is $103 per month for minimum coverage and $182 for full coverage.

Your location — even down to your ZIP code — can influence your insurance costs. Factors like local crime rates, weather conditions, and traffic patterns contribute to the risks insurers assess when determining premiums. Your personal driving history, the car you own, and your credit history can also affect the price you pay for coverage.

For example, someone who works from home won’t experience the same traffic hazards as a person who commutes from the suburbs into Minneapolis.

Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Jacqueline has been a contributor at Insurify since October 2022.