Finding Cheap Car Insurance in Minnesota
Comparison shopping to find cheap car insurance in Minnesota shouldn’t be a time-consuming project. We evaluated options in Minnesota to find the lowest rates.
Featured Car Insurance Partners
1
Geico
$1,182
$1,579
Low
2
Nationwide
$1,540
$1,970
Very low
3
USAA
$1,141
$1,381
OK
Cheap Minnesota car insurance for good drivers
American Family and Farm Bureau Mutual (Iowa Group) are the cheapest Minnesota car insurance companies for good drivers, among the companies we analyzed.
Cheap car insurance in Minnesota for drivers with a speeding ticket
A speeding ticket increases car insurance rates by 23% in Minnesota. The exact rate increase will depend on the insurance company. Even though you’ll face higher insurance rates, you can still shop around for the best car insurance.
American Family and Farm Bureau Mutual (Iowa Group) have the lowest average costs for drivers with a speeding ticket in Minnesota, so make sure to get quotes from those companies if you’re shopping for Minnesota auto insurance and have a speeding ticket on your record.
Cheap Minnesota car insurance for drivers who caused an accident with injury
Causing a car crash that results in an injury to someone else will make it difficult to find cheap car insurance. Our analysis found an average increase of 43% in Minnesota compared to drivers with a good driving record.
If you cause a car crash with an injury, Auto-Owners and American Family may have the most competitive rates among the insurers in our analysis.
Cheap Minnesota car insurance for drivers with a DUI
Car insurance costs in Minnesota go up an average of 75% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.
The cheapest Minnesota car insurance companies for drivers with a DUI are American Family and Western National, among the insurers we analyzed.
Cheap Minnesota car insurance for drivers with poor credit
Minnesota auto insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 100% more for car insurance in Minnesota.
American Family and Western National may be good options if you’re looking for cheap Minnesota auto insurance and you have poor credit.
Cheap Minnesota car insurance for adding a teen driver
Adding a teen to your insurance increases rates by an average of 74% in Minnesota, compared to rates for a married couple without a teen driver.
Check quotes from National Farmers Union P&C and Auto Club Group if you’re looking for cheap car insurance for teens in Minnesota.
Cheap Minnesota car insurance for young drivers ages 18 to 25
Getting your own car insurance is an expensive entry into adulthood. Our analysis found that USAA and SECURA Insurance offer the cheapest Minnesota car insurance for young drivers.
Cheap Minnesota Car Insurance for Senior Drivers Ages 60-80
USAA and SECURA Insurance offer the best car insurance for seniors who are looking for low costs in Minnesota. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Car Insurance Discounts Required in Minnesota
Minnesota car insurance companies must provide these three types of car insurance discounts.
Anti-device discount
Minnesota auto insurance companies must offer at least a 5% discount off comprehensive coverage if every vehicle on the policy has an authorized anti-theft device. Comprehensive coverage is part of an auto insurance policy that covers stolen vehicles and damage caused by vandalism, hail, floods, falling objections and other problems.
Student discount
Good student discounts are a way for younger drivers to save. In Minnesota, insurers must give the same discount to students in technical colleges that they also give to students attending a college or university.
Older adult discount
Minnesota car insurance companies must offer a discount of at least 10% to drivers age 55 and over who complete an approved accident prevention course. The discount is good for three years and is renewable. Drivers who are age 58 and over who retake the original course or a refresher course more than three years from the last course completion are also eligible to keep getting the discount.
Least Expensive Vehicles to Insure in Minnesota
You can potentially save money on car insurance with the right type of vehicle. In Minnesota, the Jeep Wrangler JL Sport, Honda CR-V LX and Subaru Crosstrek are among the cheapest vehicles for car insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
Vehicles with the most expensive insurance in Minnesota among popular models are the Lexus ES 300H ($2,620 a year) and the Tesla Model S Performance/Plaid ($3,982 a year).
| Vehicle | Average annual premium in Minnesota |
|---|---|
|
Jeep Wrangler JL Sport
|
$1,478
|
|
Honda CR-V LX
|
$1,550
|
|
Subaru Crosstrek
|
$1,556
|
|
Subaru Forester 2.5i
|
$1,591
|
|
Ford F-150 XL
|
$1,593
|
|
Jeep Compass Latitude
|
$1,603
|
|
Ford Escape S
|
$1,608
|
|
Chevrolet Equinox L
|
$1,622
|
|
Hyundai Tucson SE
|
$1,625
|
|
Volkswagen Tiguan SE
|
$1,643
|
|
Chevrolet Trax LS
|
$1,663
|
|
Toyota Tacoma SR
|
$1,686
|
|
Chevrolet Colorado
|
$1,690
|
|
Kia Sportage EX
|
$1,698
|
|
Chevrolet Traverse LS
|
$1,698
|
|
Ford Edge SE
|
$1,718
|
|
Honda Pilot SE
|
$1,723
|
|
Toyota RAV4 LE
|
$1,723
|
|
Dodge Grand Caravan SE
|
$1,742
|
|
Ford Ranger Lariat
|
$1,764
|
Required Minimum Car Insurance in Minnesota
Minnesota car owners must buy liability car insurance. This core insurance type pays for injuries and property damage you cause to others. It also pays for your legal defense if someone files a lawsuit against you for a car accident.
If another driver crashes into your car, you can file a claim against their liability insurance or sue them.
Car owners in Minnesota must have liability coverage with at least:
- $30,000 for bodily injury to one person
- $60,000 for bodily injury to multiple people in one accident
- $10,000 for damage to property in one accident
This is usually written as 30/60/100.
It’s smart to purchase higher limits than the minimum requirements. If you cause an accident with multiple injuries, the medical expenses could quickly exhaust minimum policy limits and you could be sued for the rest. If you have savings and assets (like a house), you’ll want enough liability insurance to protect them from lawsuit judgments.
Personal injury protection (PIP). This insurance type pays you and your household members if you’re injured in a car accident, no matter who caused it. PIP insurance pays for medical expenses, lost wages and replacement services that you can no longer perform because of injuries.
Car owners in Minnesota must have PIP coverage with at least:
- $40,000 per person per accident ($20,000 for medical expenses and $20,000 for non-medical expenses like lost wages and replacement services)
Uninsured/Underinsured motorist coverage. Uninsured motorist coverage (UM) covers medical expenses when you’re hit by a driver who doesn’t carry liability insurance. Underinsured motorist coverage (UIM) covers medical expenses when you’re hit by a driver who doesn’t carry enough liability insurance to pay for the accident injuries. When the at-fault driver’s liability insurance is exhausted, UIM kicks in.
Car owners in Minnesota must have UM/UIM coverage with at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injuries to multiple people in one accident
What Else Should I Have in Minnesota?
Collision and comprehensive coverage. If you want coverage for your car, you’ll want collision and comprehensive coverage. Together, these insurance types pay for a host of problems such as car accidents, car theft, vandalism, riots, hail, floods, fire, falling objects and collisions with animals.
If you have a car loan or lease, your lender or leasing company will most likely require that you carry these coverage types anyway.
Finding Better Minnesota Auto Insurance
| Coverage | Required in Minnesota | Better | Even Better |
|---|---|---|---|
|
Liability insurance
|
|
|
|
|
Uninsured/underinsured motorist coverage
|
|
|
|
|
Personal injury protection
|
$40,000
|
Consider more than the minimum
|
Consider more than the minimum
|
|
Collision coverage
|
Not required
|
Recommended
|
Recommended
|
|
Comprehensive coverage
|
Not required
|
Recommended
|
Recommended
|
Can I Show My Insurance ID Card from My Phone in Minnesota?
Minnesota lets you use your mobile phone to show proof of insurance. Many auto insurers have mobile apps that include access to insurance IDs.
Factors Allowed in Minnesota Car Insurance Rates
In addition to driving records, past claims and vehicle models, car insurance companies in Minnesota are allowed to use these factors when setting rates.
| Factor | Allowed in Minnesota? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Minnesota?
About 10% of Minnesota drivers have no auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance for covering problems they cause, including PIP insurance, collision insurance and/or uninsured motorist coverage.
Penalties for Driving Without Minnesota Auto Insurance
If you get caught driving in Minnesota without car insurance, you can expect a fine of no less than $200. In addition, your driver’s license could be revoked.
When Can a Vehicle Be Totaled in Minnesota?
If your car is badly damaged in Minnesota, your auto insurance company could declare the vehicle a total loss if damage exceeds 80% its actual cash value. A total loss could be caused by a car accident, fire, flood or other problem.
Solving Insurance Problems in Minnesota
The Minnesota Department of Commerce is responsible for monitoring all insurance companies and handling consumer complaints. If you have an unresolved issue with a car insurance company, you can file a complaint.
Methodology
To find the cheapest auto insurance companies in Minnesota, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Minnesota are based on rates from Allied, Allstate, American Family, Auto Club Group, Auto-Owners, Country, Farm Bureau Mutual (Iowa Group), Farmers, Geico, General Casualty, National Farmers Union P&C, Nationwide, North Star, State Farm, Travelers, USAA, West Bend Mutual and Western National.
