Westfield offers the cheapest minimum coverage for most low-income drivers with good credit and clean records in Minnesota, including those with a speeding ticket or an accident. For high-risk drivers with a DUI or bad credit, State Farm and West Bend are often more affordable.
Cheapest Low-Income Car Insurance in Minnesota
Updated: February 5, 2025
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Key Takeaways
Although Minnesota doesn't have a low-income car insurance program, affordable plans are available to meet the state's minimum coverage requirements.
For many residents, Westfield, West Bend, State Farm and Auto-Owners offer some of the most budget-friendly car insurance options.
Comparing different insurance providers and looking for discounts can help low-income drivers reduce their premiums.
Cheapest Car Insurance Companies for Low-Income Drivers in Minnesota
| Westfield | Young Drivers | $29 |
| Westfield | Adults | $24 |
| Westfield | Seniors | $27 |
| Westfield | Drivers With a Speeding Ticket | $29 |
| State Farm | Drivers With a DUI | $44 |
| Westfield | Drivers With an Accident | $35 |
| West Bend | Bad Credit | $43 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find the most affordable provider for your driving profile and coverage needs.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Westfield | $24 | $284 |
| West Bend | $33 | $397 |
| AAA | $36 | $437 |
| State Farm | $40 | $480 |
| Auto-Owners | $40 | $483 |
Cheapest Car Insurance for Families With Low Income in Minnesota
Auto-Owners is the most affordable choice for low-income families in Minnesota: $50 for married couples with a teen, $79 for single parents with a teen and $42 for those adding a spouse without a teen.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| Auto-Owners | $597 | $50 |
| State Farm | $772 | $64 |
| Nationwide | $853 | $71 |
| Travelers | $941 | $78 |
| Allstate | $946 | $79 |
| GEICO | $1,021 | $85 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some ways to reduce your car insurance costs in Minnesota:
- 1
Choose minimum coverage
Minimum coverage is usually the most cost-effective way to fulfill legal obligations. However, it offers limited protection and won't cover all costs in an at-fault accident.
- 2
Compare quotes
Gathering quotes from various insurers helps identify the lowest rates. Use provider websites, brokers, agents and comparison tools to ensure a thorough evaluation.
- 3
Look for discounts
Insurance providers offer discounts for good students, safe drivers and military members or veterans. Defensive driving course discounts potentially lower premiums by 10% for at least three years.
- 4
Increase your deductible
Raising your deductible on collision or comprehensive insurance can reduce premiums. Ensure you can afford it in case you need to file a claim.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance suits drivers who cover fewer miles. It combines a low base rate with a per-mile fee, saving costs by charging only for miles driven.
- 6
Bundle your policies
Bundling auto insurance with home or renters insurance can save you hundreds annually.
- 7
Get a cheaper car
A vehicle's make and model influence insurance costs. Opting for a cheaper car to insure, such as an older or more reliable vehicle, may significantly lower your premiums.
Minimum Car Insurance Requirements in Minnesota
Minnesota drivers must meet these minimum car insurance requirements:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
If you're leasing or financing a vehicle, you'll need a split of 100/300/100 liability coverage along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance covers only the other driver's expenses if you're at fault in an accident. You'll still be responsible for your car's damage and legal fees. If you drive often and can afford it, consider higher coverage.
Cheap Low-Income Car Insurance in Minnesota: Bottom Line
Westfield offers the cheapest car insurance for most low-income drivers in Minnesota. State Farm and West Bend are the most affordable options for high-risk drivers. To secure the best deal, explore providers through different channels.
Low-Income Auto Insurance in Minnesota: FAQ
Saving on car insurance can be challenging for low-income drivers. Here are answers to common questions about reducing costs.
What is the cheapest car insurance for low-income drivers in Minnesota?
Minimum coverage insurance is typically the most affordable option for low-income drivers, though eligibility can vary if you're financing or leasing your vehicle. Westfield offers Minnesota's lowest minimum coverage rate at $24 monthly, and American Family provides the cheapest full coverage at $73.
Does Minnesota have a state-supported low-income car insurance program?
Minnesota has no state-supported program to assist low-income drivers with car insurance.
Does your income affect the cost of car insurance in Minnesota?
Income doesn't directly influence car insurance costs in Minnesota. Factors such as driving history and vehicle type are more significant.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek analyzed car insurance costs in Minnesota using data from the Minnesota Department of Commerce and Quadrant Information Services.
Data Acquisition, Depth and Analysis
We checked 328,384 quotes from 14 companies in 370 ZIP codes to find out the average cost of car insurance for low-income drivers in Minnesota.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Minnesota:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We changed factors like age, family status, driving history and credit standing to see how they affect rates.
In our study, seniors are 60 or older. Young drivers are 22 to 29, and adults are 30 to 59. Married couples have a 40-year-old man and woman with a 16-year-old teen. Single parents are 40-year-old men or women with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage. This follows Minnesota law and offers affordable choices for low-income drivers.
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.