Best Car Insurance in Minnesota

Last Updated on October 5, 2026

Car insurance rates in Minnesota can feel all over the map. Drivers in the Twin Cities and other high-traffic areas typically pay more than drivers in smaller towns, and your price can jump (or drop) based on factors like your vehicle, driving record, credit-based insurance score, and coverage choices.

Insure.com’s state rate study, last updated September 25, 2026, puts Minnesota at $2,591 a year for full coverage and $852 a year for state-minimum coverage. The national full-coverage average in the same study is $2,578, so Minnesota sits right about at the middle of the country. Those figures price a 40-year-old driving a Honda Accord LX with a clean record and a good insurance score, with full coverage at 100/300/100 limits and $500 deductibles. Your actual quote may be very different—especially if you’ve had tickets, claims, or need a state insurance certification on file.

Need good car insurance in Minnesota? We can help—start by comparing quotes from a few top insurers and making sure you’re buying the right coverage (not just the cheapest price).

1. Minnesota Requires Four Things, Not One: Liability at 30/60/10, PIP (no-fault) at $40,000, uninsured motorist at 25/50 and underinsured motorist at 25/50. All four are mandatory to drive legally in Minnesota.
2. “Best” Insurer Depends on Your Profile: The cheapest company varies by driver—your ZIP code, vehicle, record, and credit-based insurance score can shift quotes dramatically.
3. Compare Quotes With Matching Coverage: Use the same limits and deductibles across insurers so you’re comparing apples to apples (otherwise the “cheapest” quote may be thinner coverage).
4. A Lapse Can Cost You: Driving uninsured is a misdemeanor here, the court has to fine you at least $200, and your license and registration can be revoked for up to 12 months.
5. Ask for the No-Deductible Glass Option: Minnesota law makes your insurer offer you full safety glass repair or replacement with no deductible. You have to ask for it — it is not automatic.

Top 10 Auto Insurance Companies in Minnesota

Drivers in Minnesota have plenty of options when comparing insurance providers. Most major national insurers write policies statewide, and Minnesota drivers can also find strong regional and membership-based options. The “best” company depends on what you value most—price, claims experience, local agents, digital tools, or specialized coverage.

Tip: When you compare quotes, keep the coverage limits and deductibles identical across companies. Otherwise, you’re not comparing apples to apples.

1. USAA

USAA often ranks among the most affordable options for eligible drivers, and it’s widely known for strong customer satisfaction. The catch: USAA is generally limited to military members, veterans, and qualifying family members. If you’re eligible, it’s usually worth getting a quote.

USAA is available to Minnesota’s military community, including anyone associated with the 133rd Airlift Wing or Camp Ripley. Its 2025 annual report says USAA “remains in every state,” so geography is never the obstacle — eligibility is. You need qualifying military service or a qualifying family connection.

2. State Farm

State Farm is a go-to pick for drivers who want a large agent network and straightforward coverage options. Rates can be especially competitive for drivers with clean records, and bundling home/renters with auto can unlock additional savings.

Minnesota is a “No-Fault” state with specific Personal Injury Protection (PIP) requirements. State Farm’s massive network of local agents means you can sit down with someone in your town—whether it’s Minneapolis or Moorhead—to ensure your policy meets state mandates without overpaying.

3. GEICO

GEICO is popular for its online experience and frequent discount opportunities. It can be a strong fit if you prefer managing your policy digitally and want quick quote comparisons.

GEICO’s own Minnesota page lists all four state requirements at the right limits, which is more than many carrier state pages manage, and you can quote it online in a few minutes. Roadside assistance can be requested from the app, which is worth having set up before the first ice storm rather than during it.

4. Nationwide

Nationwide is a solid option for drivers who want flexible coverage add-ons and bundle-friendly pricing. If you’re shopping for multiple policies, it’s worth including in your quote lineup.

Its SmartRide telematics program pays an instant 10% just for enrolling, and Nationwide describes the program as worth up to a 40% discount in most states. The annual “On Your Side” review is a sit-down with an agent to check your limits still match your life, which is a sensible thing to accept if your household has changed.

5. American Family

American Family has a strong Midwest footprint and can be especially competitive for bundling auto with home or renters. Many Minnesota drivers like the mix of agent support and modern online tools.

American Family is headquartered in Madison, Wisconsin, and sells through local agents across Minnesota. Its two usage-based programs are DriveMyWay, an app-based program it advertises at 10% to 35% savings with a 15% enrollment discount and a 99-trip trial before you commit, and MilesMyWay for low-mileage drivers, up to 25% for drivers at 20 miles a day or less. One driver can use one program, and both can sit on the same policy.

6. Progressive

Progressive is well known for its online quoting, bundling options, and policies that can work well for a wide range of driver profiles. It’s also a common pick for drivers comparing multiple coverage and deductible combinations quickly.

In the “Land of 10,000 Lakes,” many residents own boats, RVs, or snowmobiles. Progressive writes all three alongside auto, so it can be a convenient one-stop shop if you want the boat and the daily driver on one bill with a multi-policy discount.

7. AAA

AAA can be a great value if you want the perks of membership and prefer an organization with a long history of serving drivers. Pricing and claims experience can vary by region and AAA club, so compare it directly against other quotes.

One thing to sort out first: “AAA” means two different organizations in Minnesota. Most of the state is served by The Auto Club Group, which lists Minnesota among its territories and sells car insurance to members. Hennepin County plus Columbia Heights, Fridley and Spring Lake Park are served by AAA Minneapolis, and that club says plainly that it is “an independent insurance agency” that compares quotes from several companies — so there, AAA is your broker rather than your insurer. Either way you get the roadside assistance, which is worth having in a Minnesota January.

8. Auto-Owners Insurance

Auto-Owners Insurance is a strong regional-style option that’s often competitive for drivers who want a more traditional agent experience. It can be a smart quote to add if you’re comparing beyond the biggest national brands.

Sold through independent agents, so you work with a local expert who can shop coverage for you. Auto-Owners names Minnesota among the 26 states it operates in. The features it actually publishes on its auto coverage page are Collision Coverage Advantage, At-Fault Accident Forgiveness, and a Common Loss Deductible that reduces your auto deductible by the amount of your personal property deductible when one event damages both.

9. Allstate

Allstate is widely available and offers plenty of customization through add-ons and deductible choices. It’s a good company to include if you want to compare pricing for the same limits across several major insurers.

Allstate also sells Milewise, a pay-per-mile product where you pay a low daily rate plus a per-mile rate. That can suit someone who works from home and leaves the car parked through a Minnesota winter. Allstate does not publish the list of states where Milewise is sold, so ask an Allstate agent whether it is available to you before you count on it.

10. Farmers

Farmers can be a strong fit for drivers who like working with an agent and want a wide menu of coverage options. Quotes vary a lot by driver profile, so treat it as a comparison point rather than assuming it will be higher or lower than competitors.

Farmers lists its Signal app among its auto discounts. Signal scores how you drive, including phone handling behind the wheel, and feeds that into your price. Families adding a teen driver often find that the most useful part is simply being able to see the driving data.

Minnesota Auto Insurance Requirements

Minnesota is a no-fault state, which means your own policy pays for certain injury-related costs first (through Personal Injury Protection, or PIP), regardless of who caused the crash. The trade-off is on the other side: to claim pain and suffering from the at-fault driver, state law requires either more than $4,000 in medical expense benefits, or an injury that caused permanent disfigurement, permanent injury, death, or disability for 60 days or more. Along with PIP, Minnesota requires liability protection for damage you cause and coverage that protects you if you’re hit by an uninsured or underinsured driver.

You must carry minimum liability insurance when driving on public roads in Minnesota. Here are the required minimums for most passenger vehicles:

• Liability: $30,000 bodily injury liability coverage per person, $60,000 per accident, and $10,000 property damage liability coverage per accident
• PIP (No-Fault): $40,000 per person, per accident — and it is really two buckets. The Department of Commerce says $20,000 of it is for medical expenses and $20,000 is for non-medical expenses such as wage loss and replacement services. You cannot move money between them.
• Uninsured Motorist (UM): $25,000 per person and $50,000 per accident
• Underinsured Motorist (UIM): $25,000 per person and $50,000 per accident

These are minimums. Many drivers choose higher liability limits (and sometimes an umbrella policy) because medical bills and lawsuits can exceed state minimums quickly.

One right Minnesota gives you that most states do not: under Minn. Stat. 65B.134, a policy here must offer you complete coverage for repair or replacement of all damaged safety glass “without regard to any deductible or minimum amount.” It is an option, not automatic, so you have to ask for it. Given what gravel and freeze-thaw do to windshields in this state, it is usually worth the small premium.

Driving Without Insurance in Minnesota

It is illegal to drive without insurance in Minnesota. If you’re stopped after a traffic violation or you’re in a crash, you can be required to show proof of insurance (including an electronic ID card).

Driving uninsured in Minnesota is a misdemeanor, and the court has to impose a fine of at least $200. Your driver’s license can be revoked for up to 12 months, and if you own the car, the registration can be revoked for up to 12 months as well. It rises to a gross misdemeanor if you have two prior convictions within ten years, or if you cause a crash that results in death or substantial bodily harm. Before your license comes back you have to file written proof of insurance.

Beyond the legal trouble, a lapse in coverage can raise your rates for years and reduce your options when shopping for a new policy.

Car Insurance in Minnesota After a DUI

Getting a DUI is likely to raise car insurance rates substantially. Some insurers treat a DUI similarly to a serious at-fault crash, while others apply steep “high-risk” surcharges for multiple years. Your best move is to compare several quotes and ask each insurer how long a DUI affects pricing in their rating system.

Ways to limit the damage: maintain continuous coverage, choose higher deductibles if you can afford them, look for telematics/safe-driving programs, and bundle policies if it lowers the overall premium.

Car Insurance in Minnesota After an At-Fault Accident

If you have an at-fault accident on your record, expect higher rates—especially if the crash involved injuries or a large payout. Insurers weigh accidents differently, so the “best” company after a claim is often the one that prices your specific situation most fairly.

Pro tip: If you’re comparing quotes after an accident, make sure the new insurer is quoting the accident correctly (date, fault status, paid amount if known). Errors happen and can inflate premiums.

Car Insurance in Minnesota With Speeding Tickets

Most insurers check your driving record, and even one ticket can increase your rate—especially if it’s recent or for a high speed. Some companies are more forgiving with a single minor ticket, while others surcharge aggressively.

If you have tickets, focus on shopping around (price differences can be dramatic) and asking about safe-driver or telematics programs that can help offset the increase.

Car Insurance in Minnesota for Young Drivers

Young drivers almost always pay more—especially under age 25—because insurers see less driving experience as higher risk. The good news: Minnesota families can often cut costs by comparing quotes, using good-student discounts, choosing a safe/affordable vehicle to insure, and increasing deductibles where appropriate.

If you’re a parent adding a teen, ask each insurer how it rates the teen’s vehicle, mileage, and whether the teen is listed as an occasional driver or primary driver.

Car Insurance in Minnesota With Poor Credit

Minnesota insurers may consider credit-based factors when setting rates, which means your premium can increase if your credit profile is weak. If you’re concerned about this, read how credit score can affect car insurance rates, then compare multiple insurers—because the impact of credit varies widely by company.

Quick ways to save: shop around frequently, consider usage-based insurance, keep coverage continuous, and review your policy for optional add-ons you don’t need.

SR-22 Insurance in Minnesota

Certain high-risk situations require proof of financial responsibility. Minnesota does not use the term SR-22 at all. The state’s form is called an Insurance Certification, and Driver and Vehicle Services requires it before a license revoked for no insurance can be reinstated. One detail that trips people up: the form has to be completed by an authorized representative of the insurance company, not by your agent. Not every company wants high-risk drivers, so it helps to compare quotes.

The form itself is explicit about the period: “Insurance must be maintained for one calendar year.” Avoid any lapse during that year, because a cancellation can trigger new penalties and restart the clock.

If your driving privileges are currently impacted, learn whether you can get SR-22 insurance with a suspended license and what steps typically come next.

FAQs on Car Insurance in Minnesota

Conclusion: How to Find the Best Auto Insurance in Minnesota

The best car insurance in Minnesota is the policy that fits your budget and protects you financially. Start with three to five quotes, match the coverage limits across insurers, and don’t forget to check discounts (bundling, good student, defensive driving, telematics, multi-car, and paid-in-full are common).

Once you’ve narrowed it down, compare the details that matter—deductibles, claims experience, rental/towing options, and how the company handles no-fault/PIP claims—then choose the best overall value.

My advice is to take the no-deductible glass option on whichever policy you pick. It costs a few dollars a year, Minnesota law makes every insurer offer it, and the first chipped windshield pays for a decade of it. Ask for it by name, because nobody volunteers it.

Sources

Checked October 5, 2026. Minnesota Department of Commerce: Auto Insurance Guide (required coverages and limits), Auto Insurance Basics (the $20,000 / $20,000 PIP split). Minnesota Statutes: 65B.51 (no-fault tort threshold), 65B.134 (no-deductible glass option), 169.797 (penalties for driving uninsured). Minnesota Department of Public Safety: Insurance Certification form. Auto-Owners, the 26 states it operates in and Auto-Owners auto coverages. American Family usage-based programs. The Auto Club Group and AAA Minneapolis (which AAA club covers where). Nationwide auto discounts. Farmers auto discounts. GEICO Minnesota. USAA 2025 Annual Report to Members (every state). Insure.com car insurance rates by state (rate averages, updated September 25, 2026).