Westfield offers Minnesota's most affordable coverage, with monthly rates of $20 for minimum coverage and $92 for full coverage. You'll save $23 monthly (29%) compared to state averages. Get quotes from Auto-Owners, AAA, State Farm and North Star too.
Cheapest Car Insurance in Minnesota
Updated: October 3, 2025
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Key Takeaways
The cheapest car insurance companies in Minnesota for most drivers are Westfield Insurance, Auto Owners and AAA, offering average savings of up to 29%.
Car insurance costs can be as low as $12 for minimum coverage and $53 for full coverage policies on average in Minnesota.
To get the cheapest car insurance in Minnesota, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Minnesota?
| Westfield Insurance | $20 | $92 | -29% | $-23 |
| Auto Owners | $36 | $82 | -26% | $-20 |
| AAA | $38 | $83 | -24% | $-19 |
| State Farm | $33 | $94 | -19% | $-15 |
| North Star Insurance | $33 | $101 | -16% | $-12 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$150
High
$109
Average
$69
Low
Rates updated:
Oct 08, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 88 /of 100 | $69 |
| 2 |  GEICO | 75 /of 100 | $101 |
| 3 |  Nationwide | 76 /of 100 | $103 |
| 4 |  Travelers | 77 /of 100 | $112 |
| 5 | 87 /of 100 | $120 | |
| 6 |  Allstate | 61 /of 100 | $150 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Minnesota
Auto-Owners offers the lowest rates for three out of our 10 driver categories in Minnesota, while State Farm, Westfield and North Star each provide the cheapest rates for two categories. Find your specific rates in the table:
| Young Drivers | Auto Owners | $57 |
| Adult Drivers | Westfield Insurance | $19 |
| Senior Drivers | Westfield Insurance | $29 |
| Drivers With An Accident | State Farm | $40 |
| Drivers With A DUI | State Farm | $37 |
| Drivers With A Speeding Ticket | Auto Owners | $41 |
| Drivers With Bad Credit | North Star Insurance | $43 |
| Drivers With Low Income | North Star Insurance | $31 |
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | Auto Owners | $23 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MINNESOTA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Minnesota:
Compare the Cheapest Car Insurance in Minnesota for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Westfield offers the lowest rates at $150 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $91 | $1,095 | -39% | $-707 |
| Westfield Insurance | $94 | $1,134 | -37% | $-668 |
| State Farm | $112 | $1,346 | -25% | $-455 |
| Western National Insurance | $124 | $1,484 | -18% | $-318 |
| Travelers | $129 | $1,543 | -14% | $-258 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Minnesota by City
Westfield Insurance offers the most affordable minimum coverage rates in 15 of Minnesota's 20 largest cities, while Auto-Owners claims the remaining five markets. This competitive landscape delivers notably low insurance costs compared to most other states as of October 2025.
Minimum coverage costs across Minnesota's major cities range from $18 to $37 monthly. Eden Prairie residents enjoy the state's lowest rates at $18 monthly through Westfield Insurance, while Bloomington and Edina drivers pay higher premiums at $37 monthly with Auto-Owners. Twin Cities metropolitan suburbs like Lakeville, Minnetonka, and St. Cloud maintain affordable rates between $18 and $20 monthly.
| Apple Valley | Westfield Insurance | $21 | -32% | $-26 |
| Blaine | Westfield Insurance | $21 | -35% | $-29 |
| Bloomington | Auto Owners | $37 | -27% | $-23 |
| Brooklyn Park | Westfield Insurance | $22 | -36% | $-33 |
| Burnsville | Westfield Insurance | $20 | -33% | $-26 |
| Coon Rapids | Westfield Insurance | $21 | -36% | $-31 |
| Duluth | Auto Owners | $32 | -28% | $-20 |
| Eagan | Auto Owners | $36 | -29% | $-24 |
| Eden Prairie | Westfield Insurance | $18 | -39% | $-30 |
| Edina | Auto Owners | $37 | -27% | $-22 |
| Lakeville | Westfield Insurance | $18 | -38% | $-30 |
| Maple Grove | Westfield Insurance | $20 | -35% | $-28 |
| Minneapolis | Westfield Insurance | $23 | -47% | $-50 |
| Minnetonka | Westfield Insurance | $18 | -37% | $-29 |
| Plymouth | Westfield Insurance | $21 | -29% | $-23 |
| Rochester | Auto Owners | $33 | -32% | $-24 |
| St. Cloud | Westfield Insurance | $19 | -33% | $-25 |
| St. Louis Park | Westfield Insurance | $22 | -32% | $-28 |
| St. Paul | Westfield Insurance | $23 | -41% | $-42 |
| Woodbury | Westfield Insurance | $21 | -34% | $-28 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Minnesota by Driver Age Group
We analyzed car insurance rates across Minnesota for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Westfield Insurance, starting at $40 per month
- Adult drivers find the best deals with Westfield Insurance, with rates from $19 per month
- Senior drivers see the most affordable coverage through Westfield Insurance, beginning at $29 per month
Cheapest Car Insurance For Young Drivers in Minnesota
Young drivers in Minnesota get the cheapest rates from Westfield Insurance at $40 per month ($479 annually), about 61% below the state average. Auto Owners and North Star Insurance follow with monthly premiums in the $57–$60 range
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
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Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Westfield Insurance | $40 | $479 | -61% | $-750 |
| Auto Owners | $57 | $683 | -44% | $-546 |
| North Star Insurance | $60 | $720 | -41% | $-509 |
| State Farm | $71 | $852 | -31% | $-377 |
| Travelers | $87 | $1,048 | -15% | $-181 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in Minnesota
For adult drivers, Westfield Insurance offers the most affordable coverage at $19 per month ($231 annually), around 57% cheaper than the state average. North Star Insurance and State Farm also keep premiums low, averaging $30–$33 monthly.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Westfield Insurance | $19 | $231 | -57% | $-304 |
| North Star Insurance | $30 | $366 | -32% | $-169 |
| State Farm | $33 | $394 | -26% | $-141 |
| Auto Owners | $34 | $403 | -25% | $-131 |
| AAA | $37 | $444 | -17% | $-90 |
Cheapest Car Insurance For Senior Drivers in Minnesota
Seniors save the most with Westfield Insurance, paying $29 monthly ($348 annually), about 54% less than the state average. North Star Insurance and State Farm also offer budget-friendly options under $40 per month.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Westfield Insurance | $29 | $348 | -54% | $-401 |
| North Star Insurance | $30 | $361 | -52% | $-389 |
| State Farm | $39 | $468 | -38% | $-281 |
| Auto Owners | $50 | $600 | -20% | $-149 |
| Western National Insurance | $57 | $685 | -9% | $-64 |
Cheapest Car Insurance For High-Risk Drivers in Minnesota
Your driving record is one of the biggest factors affecting car insurance rates in Minnesota. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Minnesota based on different driving records.
- Cheapest for Bad Credit: Westfield Insurance (From $40/mo)
- Cheapest With a DUI: State Farm (From $36/mo)
- Cheapest With an Accident: Westfield Insurance (From $28/mo)
- Cheapest With a Speeding Ticket: Westfield Insurance (From $23/mo)
- Cheapest With a Texting While Driving Violation: Westfield Insurance (From $23/mo)
Cheapest Car Insurance For Bad Credit in Minnesota
Drivers with bad credit find the cheapest coverage from Westfield Insurance, averaging $40 per month ($475 annually), around 67% less than the state average. North Star Insurance offers similar rates, while Western National Insurance comes next at $66 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Westfield Insurance | $40 | $475 | -67% | $-978 |
| North Star Insurance | $40 | $481 | -67% | $-973 |
| Western National Insurance | $66 | $797 | -45% | $-656 |
| Geico | $82 | $984 | -32% | $-470 |
| Auto Owners | $101 | $1,212 | -17% | $-242 |
Cheapest Car Insurance With a DUI in Minnesota
State Farm provides the lowest premiums for drivers with a DUI at $36 monthly ($433 annually), about 65% under the state average. Western National Insurance is close behind at $39 per month, while Westfield Insurance averages $49.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| State Farm | $36 | $433 | -65% | $-803 |
| Western National Insurance | $39 | $463 | -63% | $-774 |
| Westfield Insurance | $49 | $584 | -53% | $-653 |
| Auto Owners | $73 | $879 | -29% | $-357 |
| Travelers | $74 | $884 | -29% | $-353 |
Cheapest Car Insurance With an Accident in Minnesota
After an accident, Westfield Insurance delivers the lowest premiums at $28 monthly ($337 annually), about 59% below average. Western National Insurance and State Farm both keep rates around $39 per month, making them strong alternatives.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Westfield Insurance | $28 | $337 | -59% | $-478 |
| Western National Insurance | $39 | $463 | -43% | $-352 |
| State Farm | $39 | $473 | -42% | $-341 |
| Auto Owners | $46 | $548 | -33% | $-267 |
| North Star Insurance | $51 | $615 | -25% | $-200 |
Cheapest Car Insurance With a Speeding Ticket
Westfield Insurance offers the most affordable rates for drivers with a speeding ticket, averaging $23 per month ($274 annually). This is about 60% cheaper than the state average. North Star Insurance and State Farm also provide competitive rates under $40 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Westfield Insurance | $23 | $274 | -60% | $-412 |
| North Star Insurance | $35 | $419 | -39% | $-266 |
| State Farm | $36 | $433 | -37% | $-252 |
| Auto Owners | $38 | $460 | -33% | $-225 |
| Western National Insurance | $39 | $463 | -32% | $-222 |
Cheapest Car Insurance With a Texting While Driving Violation
For drivers cited for texting while driving, Westfield Insurance leads at $23 monthly ($274 annually), nearly 59% below the state average. North Star Insurance follows at $30 per month, offering drivers sizable savings compared to typical costs.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Westfield Insurance | $23 | $274 | -59% | $-391 |
| North Star Insurance | $30 | $366 | -45% | $-299 |
| Auto Owners | $34 | $403 | -39% | $-261 |
| State Farm | $36 | $433 | -35% | $-231 |
| Western National Insurance | $39 | $463 | -30% | $-202 |
How to Get the Cheapest Car Insurance in Minnesota
Finding affordable car insurance in Minnesota requires more than just comparing basic rates between companies. Here are proven strategies to save the most on auto insurance.
- 1
Compare insurers across the state
Car insurance prices in Minnesota vary depending on where you live. Drivers in the Twin Cities usually pay more than those in rural counties. To find the lowest rate, it helps to compare at least three quotes from a mix of national carriers and regional insurers that know the local market.
- 2
Meet Minnesota’s minimum coverage requirements
Minnesota is a no-fault state, which means drivers must carry higher minimum coverage than in many other parts of the country. The law requires 30/60/10 liability limits, uninsured and underinsured motorist coverage at 25/50, and $40,000 in Personal Injury Protection. PIP is split between $20,000 for medical expenses and $20,000 for non-medical costs such as lost income or replacement services. These higher limits raise the baseline premium but also provide stronger protection than in many other states.
- 3
Use Minnesota-specific discounts
Beyond the common bundling and good student discounts, Minnesota drivers have access to some unique savings opportunities. The state allows defensive driving course discounts for drivers age 55 and older when the course is approved by the Department of Public Safety. Some insurers also lower rates for vehicles equipped with winter tires or additional safety features, reflecting the risks of icy roads. Rural drivers who put fewer miles on their vehicles may qualify for low-mileage discounts as well.
- 4
Match coverage to Minnesota’s risks
Severe winters in Minnesota bring snow and icy road conditions, which increase the likelihood of accidents. Collision coverage can be valuable even for drivers with older cars. Comprehensive coverage is equally important because it pays for damage from hail, flooding, and the frequent deer collisions reported across rural parts of the state.
- 5
Improve deductibles and coverage balance
Adjusting your deductible is another way to manage costs. Choosing a higher deductible on comprehensive or collision will reduce your monthly premium, but it’s only a good strategy if you can afford the larger out-of-pocket cost after a claim. On the other hand, raising liability limits or adding optional protections like UM/UIM can provide broader protection for a relatively modest increase in premium.
- 6
Maintain your driver profile
Insurance companies in Minnesota rely heavily on both driving history and credit scores when setting premiums. Keeping a clean record and building good credit are two of the most effective ways to secure cheaper rates year after year.
- 7
Use MNAIP as a fallback
For drivers who cannot find coverage in the voluntary market, the Minnesota Automobile Insurance Plan provides last-resort access to liability insurance. These policies cost more than standard coverage, so MNAIP should only be used if other options are unavailable.
Risks of Getting the Cheapest Car Insurance in Minnesota
Minnesota requires drivers to carry liability insurance with minimum coverage of 30/60/10, plus $40,000 in personal injury protection (PIP) and $20,000 in uninsured motorist coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Minnesota, average property damage claims hit $4,525 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Minnesota gets hit with severe weather that damages cars regularly. Severe storms caused significant property damage in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against hail, flooding and fallen trees that frequently hit Minnesota.
Bodily injury damage is more likely to be higher than the minimum limits
Minnesota's minimum bodily injury coverage of $30,000 per person often isn't enough for serious accidents. Average bodily injury claims in Minnesota reached $21,300 in 2023. With rising medical costs, consider increasing coverage to 100/300/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Minnesota has an uninsured driver problem, with 11% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs beyond your PIP coverage. Legal action against uninsured drivers rarely recovers damages. Your required uninsured motorist coverage helps, but consider increasing it for better protection.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Minnesota, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Minnesota
Minnesota law requires all drivers to carry auto insurance before operating a vehicle. The state follows a no-fault system, meaning your own policy helps cover medical expenses and other losses after an accident, regardless of fault. Drivers must have liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. These limits satisfy state law, but many choose higher coverage for added financial security.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $30,000 per person |
Bodily Injury Liability (Per Accident) | $60,000 per accident |
Property Damage Liability | $10,000 per accident |
Personal Injury Protection (PIP) | $40,000 per person ($20,000 medical / $20,000 non-medical expenses) |
Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Underinsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in Minnesota: Bottom Line
Westfield offers the lowest car insurance rates in Minnesota for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Minnesota: FAQ
Below we answer common questions about affordable car insurance in Minnesota to help you find the right coverage.
What are the cheapest car insurance companies in Minnesota?
Westfield provides the most affordable car insurance in Minnesota, with average annual rates of $244 for minimum coverage and $1,104 for full coverage. Auto-Owners, AAA, State Farm and North Star also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Minnesota?
Auto-Owners provides the most affordable rates for young drivers in Minnesota, with monthly premiums starting at $57 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Minnesota?
Senior drivers in Minnesota can find the most competitive rates with Westfield, offering policies for those 65 and older at an average of $29 per month for minimum coverage.
Who has the cheapest car insurance in Minnesota for bad credit?
North Star provides the most affordable rates for bad-credit drivers in Minnesota, with monthly premiums averaging $43 for minimum coverage and $130 for full coverage.
Who has the cheapest car insurance in Minnesota with an accident?
State Farm offers the most affordable car insurance rates for Minnesota drivers with an accident history, starting at $40 per month for minimum coverage.
Who has the cheapest car insurance in Minnesota with a DUI?
State Farm provides the cheapest car insurance after a DUI in Minnesota, with rates of $37 monthly for minimum coverage and $101 monthly for full coverage.
Who has the cheapest car insurance in Minnesota for those with a speeding ticket?
Minnesota drivers with a speeding ticket can find the lowest insurance rates with Auto-Owners, charging $41 monthly for minimum coverage and $91 for full coverage.
Should you buy the cheapest car insurance in Minnesota?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Westfield balances low prices with solid coverage options in Minnesota.
How We Found the Most Affordable Car Insurance in Minnesota
MoneyGeek collected auto insurance data from the Minnesota Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Minnesota.
Minnesota Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Minnesota
We compared car insurance companies in Minnesota that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Minnesota.
The minimum coverage requirements in Minnesota are:
- $30,000 per person for bodily injury liability
- $60,000 per accident for bodily injury liability
- $10,000 per accident for property damage liability
- $40,000 per person for personal injury protection (PIP)
- $20,000 per person for uninsured motorist bodily injury
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
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed October 8, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed October 8, 2025.
- National Centers for Environmental Information. "Climate at a Glance." Accessed October 8, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 8, 2025.