Cheapest Car Insurance in Minnesota

Westfield stands out as the most affordable car insurance for Minnesota drivers, with an average monthly rate of $24 and an annual rate of $284 for minimum coverage. This rate is $273 less than the state's average, making it a budget-friendly choice. These rates are sourced from Quadrant Information Services, reflecting the most affordable options in Minnesota as of December 2024. Read our research methodology to learn about how we found the cheapest Minnesota car insurance.

AAA is the cheapest car insurance company for most drivers in Minnesota, with an average monthly cost of $53 for both minimum and full coverage. This rate is $22 lower than the state average. Other affordable options include West Bend Mutual, Westfield, American Family, and Iowa Farm Bureau.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Westfield offers the cheapest car insurance for most drivers seeking minimum coverage, while AAA is the leader in full coverage. However, your rate depends on factors like your driving history. Below, we highlight affordable car insurance rates for various profiles in Minnesota.

Read More: Cheapest Car Insurance

Besides Westfield's cheapest rate, West Bend Mutual, AAA, and Iowa Farm Bureau also offer cheap minimum liability coverage for drivers in Minnesota. Use the table below to explore rates from similar companies with the best minimum coverage rates, and see how they stack up against the state's monthly average of $46.

AAA is the cheapest provider for full coverage auto insurance in Minnesota, with rates averaging $72 per month or $860 per year. This is $33 less than the state's average cost. Check the table below for other provider options.

In Minnesota, young adult drivers find Westfield the most affordable option. A basic policy with Westfield costs just $29 a month for 25-year-olds.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

Young drivers in Minnesota can find affordable auto insurance with Westfield and American Family. Westfield offers the cheapest minimum coverage at $29 monthly, while American Family provides full coverage at $74. Your premium might differ based on your driving record and other factors, but these rates are a good starting point for finding affordable options.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers can find affordable rates with Westfield, averaging $27 per month for minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

For senior drivers in Minnesota, Westfield offers the cheapest minimum coverage at $27 monthly. AAA provides affordable full coverage at $65. Rates may vary, but use the table below to guide your car insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Drivers in Minnesota with a DUI, at-fault accident, or speeding ticket are seen as high-risk drivers by insurers and pay more for car insurance than those with a clean record. Premiums vary depending on the offense. Below are the best rates for drivers with a DUI, at-fault accident, and speeding ticket.

West Bend Mutual offers the best rates for Minnesota drivers with DUIs, averaging $46 per month ($547 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Minnesota.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $35 per month ($420 per year), Westfield is the cheapest company for drivers after an at-fault accident. Below, find a list of other insurers offering affordable coverage for drivers with accidents on their records. Rates are for a minimum coverage policy.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Westfield offers the cheapest insurance for drivers with a speeding ticket, with an average rate of $29 per month. Check the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Westfield is the cheapest car insurance provider for drivers with poor credit scores, offering a monthly rate of $29 and an annual rate of $344 for minimum coverage. Review the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your car insurance rates are greatly affected by where you live. Cities within the same state can have different rates due to things like how many people live there, flood risks, and crime.

For example, Westfield charges $34 a month in Minneapolis but only $17 in Rochester for the same state minimum policy. Check the table below to see the most affordable car insurance in your city and the lowest average monthly cost.

*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

For Minnesotans, State Farm offers the most affordable bundle home and auto insurance at $2929. Check the table below for more budget-friendly companies.

*Rates are for a 40 year old driver with good credit and no driving violations

In Minnesota, the monthly average cost for full coverage car insurance is $104, while state minimum coverage averages at $46. By knowing the average cost of car insurance in Minnesota, you can better judge if your current insurance deal is fair.

In Minnesota, car insurance rates vary by city. See how your area compares with our table of average minimum and full coverage rates.

Minnesota's car insurance ranks in the middle, not as high as some states. Common factors like lower population density, fewer natural disasters, and a moderate vehicle theft rate help keep car insurance costs in Minnesota more affordable.

Minnesota law states that all drivers must have a car insurance policy that meets the state's minimum coverage limits. These include $30,000 for bodily injury per person, $60,000 per accident, and $10,000 for property damage. Additionally, coverage for uninsured/underinsured motorists is required at $25,000 per person and $50,000 per accident, with personal injury protection at $40,000 per person.

If you finance or lease your car, you'll need to add comprehensive and collision insurance on top of the minimum liability coverages. While a minimum liability auto insurance policy is more affordable, it provides the least financial protection. To safeguard your finances, experts suggest opting for full coverage insurance with the highest deductible and liability limits you can afford.

Self-insurance is a common alternative to traditional car insurance in the North Star State. It allows drivers to set aside funds to cover potential liabilities, satisfying the state's minimum coverage requirements.

For business owners, fleet insurance is an excellent option. It provides coverage for multiple vehicles under a single policy, simplifying management and often reducing costs.

MoneyGeek advises drivers to opt for full coverage car insurance, which encompasses liability, collision, and comprehensive coverage. For robust protection, we suggest the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage safeguards your car from non-collision events, such as theft, vandalism, or natural disasters. Collision coverage, on the other hand, takes care of damages from on-road accidents.

If your car holds significant value, MoneyGeek recommends getting both comprehensive and collision insurance, even if it's not mandated by law. It's wise to set your deductible for these coverages at an amount you're comfortable paying before your insurance contributes to the costs.

AAA has the most affordable full coverage car insurance in Minnesota at $72 monthly, and Westfield wins for state minimum at just $24. While saving money is great, remember that the cheapest plan might not cover everything. It's smart to buy as much car insurance as you can afford for the safest driving in the North Star State.

MoneyGeek helps you find affordable car insurance in the North Star State by answering common questions. We guide you to the right minimum coverage for your needs, ensuring you make informed decisions without overspending.

MoneyGeek obtained Minnesota auto insurance rates from the Minnesota Department of Insurance and Quadrant Information Services. We examined 33,288 auto insurance quotes from 15 providers across 61 ZIP codes to determine the most affordable car insurance companies in Minnesota.

Minnesota Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Minnesota:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Minnesota

We compared car insurance companies in Minnesota that offer both minimum and full coverage policies. The minimum coverage liability limits in Minnesota are:

• $30,000 for bodily injury liability per person.
• $60,000 for bodily injury liability per accident.
• $10,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Minnesota

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible