Best Car Insurance in Minnesota
Last Updated on July 2, 2021
Car insurance can be expensive in Minnesota. Drivers in big cities tend to pay more than drivers in rural areas, and many Minnesota drivers pay over $2,000 per year for car insurance.
Statewide, the average Minnesota driver pays around $1,476 per year for car insurance, which is close to the nationwide average of around $1,450. In the latest rankings, Minnesota was the 25th most expensive state for car insurance or the 25th cheapest state, depending on your perspective.
Need good car insurance in Minnesota? We can help.
Table of Contents
- Best Auto Insurance Companies in Minnesota
- Minnesota Auto Insurance Requirements
- Driving Without Insurance in Minnesota
- Car Insurance in Minnesota with a DUI
- Car Insurance in Minnesota with At-Fault Accidents
- Car Insurance in Minnesota with Speeding Tickets
- Car Insurance in Minnesota for Young Drivers
- Car Insurance in Minnesota with Poor Credit
- SR-22 Insurance in Minnesota
Top 10 Auto Insurance Companies in Minnesota
Drivers in Minnesota have plenty of options when comparing insurance providers. All major nationwide insurance companies serve policyholders in Minnesota. The state is also home to several local providers, including Minnesota-based companies that compete with larger firms.
1. USAA
USAA is the cheapest car insurance company in Minnesota. Don’t let the low prices fool you: USAA packs great value into its insurance policies, which is one reason why USAA continues to be one of the top-ranked insurance providers across the country. The average USAA policyholder in Minnesota pays just $989 for full coverage car insurance, which is nearly $500 less than the statewide average.
| USAA | |
|---|---|
| Company Address | 9800 Fredericksburg Road San Antonio, TX 78288 |
| Phone Number | 1-210-531-USAA |
| Website URL | http://www.usaa.com/ |
2. State Farm
State Farm is the largest car insurance company in the United States, and the company offers competitive car insurance premiums throughout Minnesota. Drivers in rural and urban areas of the state pay just $1,052 per year, on average, for full coverage car insurance with State Farm.
| State Farm | |
|---|---|
| Company Address | 1 State Farm Plaza Bloomington, IL 61701 |
| Phone Number | 1-309-766-2311 |
| Website URL | https://www.statefarm.com/ |
3. GEICO
GEICO is America’s second-largest insurance company, and GEICO is known for offering competitive prices in Minnesota and most other states. With GEICO, you get reasonably-priced car insurance and average customer service for around $1,076 per year, based on our model driver profiles.
| GEICO | |
|---|---|
| Company Address | 5260 Western Avenue Chevy Chase, MD 20815 |
| Phone Number | 1-800-861-8380 |
| Website URL | https://www.geico.com/ |
4. Nationwide
Nationwide insures millions of drivers across the United States, including thousands of drivers in Minnesota. You can expect to pay around $1,142 per year for full coverage car insurance with Nationwide in Minnesota.
| Nationwide | |
|---|---|
| Company Address | One Nationwide Plaza Columbus, OH 43215 |
| Phone Number | 1-877-669-6877 |
| Website URL | https://www.nationwide.com/ |
5. American Family
American Family is particularly popular in rural areas of the state, although the company offers competitively-priced car insurance in all corners of Minnesota. The average American Family policyholder pays just $1,154 per year for full coverage car insurance, and thousands of Minnesota drivers rely on American Family for multiple insurance needs.
| American Family | |
|---|---|
| Company Address | 6000 American Parkway Madison, WI 53783 |
| Phone Number | 1-800-692-6326 |
| Website URL | https://www.amfam.com/ |
6. Progressive
Progressive is a popular car insurance company in Minnesota, and the company is particularly popular for those bundling home and auto insurance together. Progressive charges around $1,201 per year, providing similar coverage to competing companies listed here.
| Progressive | |
|---|---|
| Company Address | 6300 Wilson Mills Road Mayfield Village, OH 44143 |
| Phone Number | 1-800-776-4737 |
| Website URL | https://www.progressive.com/ |
7. AAA
AAA members can buy cheap car insurance in Minnesota. The company frequently ranks high for claims satisfaction and customer service. It’s not the cheapest option in Minnesota, but AAA provides some of the best dollar value for car insurance, charging around $1,212 per year.
| AAA | |
|---|---|
| Company Address | 1000 AAA Dr. Heathrow, FL 32746 |
| Phone Number | 1-888-637-2287 |
| Website URL | https://www.aaa.com/ |
8. Auto-Owners Insurance
Auto-Owners Insurance is particularly popular in Minnesota, insuring thousands of drivers across the state. They’re ranked as one of the cheapest and best-value insurers in the state, with the average policyholder paying around $1,250 per year for full coverage car insurance.
| Auto-Owners | |
|---|---|
| Company Address | 6101 Anacapri Blvd. Lansing MI, 48917 |
| Phone Number | 1-517-323-1200 |
| Website URL | https://www.auto-owners.com/ |
9. Allstate
Another insurance giant, Allstate is priced slightly higher than its competitors, although it remains a popular option for policyholders across the state. In Minnesota, drivers pay around $1,432 per year for full coverage car insurance with Allstate.
| Allstate | |
|---|---|
| Company Address | 2775 Sanders Road Northbrook, IL 60062 |
| Phone Number | 1-800-255-7828 |
| Website URL | https://www.allstate.com/ |
10. Farmers
No longer just for farmers, Farmers is popular throughout urban and rural areas of Minnesota. The large, nationwide insurance firm charges around $1,439 per year for full coverage car insurance in Minnesota, with discounts available to drivers with all different types of driving history.
| Farmers | |
|---|---|
| Company Address | 4680 Wilshire Blvd Los Angeles, CA 90010 |
| Phone Number | 1-888-327-6335 |
| Website URL | https://www.farmers.com/ |
Minnesota Insurance Requirements
You must carry minimum liability insurance when driving on public roads in Minnesota. This insurance covers other drivers against damages you cause, including medical bills and property damage resulting from at-fault accidents.
To legally drive in Minnesota, you must maintain the following minimum liability insurance limits:
- $30,000 of bodily injury liability coverage per person
- $60,000 of bodily injury liability coverage per accident
- $10,000 of property damage liability coverage per accident
If you cause an accident in Minnesota, then car insurance covers expenses up to the limits of your policy. If the damages exceed your car insurance limits, then you must pay the remaining expenses out of pocket.
Many drivers in Minnesota choose to exceed these limits for added protection. Some drivers buy umbrella insurance. Others increase their minimum liability limits for peace of mind.
Driving Without Insurance in Minnesota
It is illegal to drive without insurance in Minnesota. If you are caught without insurance, you could face severe penalties, including license suspension, monetary fines, SR-22 requirements, and more.
Drivers caught without insurance in Minnesota could spend 90 days in jail or face fines as high as $3,000. Punishment increases based on the number of times you were caught driving without insurance.
First and Second Offenses: $200 to $1,000 fine, suspension of driver’s license and registration for up to 30 days, $30 reinstatement fee, SR-22 certificate requirement, and possible community service (in lieu of fine).
Third and Subsequent Offenses: $200 to $3,000 fine, suspension of driver’s license and registration, $30 reinstatement fee, SR-22 certificate requirement, up to 90 days in jail, and possible community service (in lieu of fine).
Whether it’s your first time or third time caught driving without insurance, you could pay a large fine, suspension of your driver’s license and registration, and other penalties. If you are required to obtain an SR-22 certificate, then you could face higher insurance premiums for years.
Car Insurance in Minnesota with DUI
Getting a DUI is guaranteed to raise car insurance rates. However, not all companies treat DUIs as severely as others. Some companies treat a DUI like an at-fault accident, while others double premiums for five years. The best car insurance companies in Minnesota for drivers with a DUI include:
- American Family: $1,456 per year
- State Farm: $1,599 per year
- GEICO: $1,611 per year
- USAA: $1,722 per year
- Allstate: $1,731 per year
Car Insurance in Minnesota with At-Fault Accidents
If you have an at-fault accident on your record in Minnesota, then this accident could impact insurance rates for five or more years, depending on the severity of the accident.
Fortunately, insurance companies have different policies for at-fault accidents, and some companies ignore any at-fault accidents that occurred more than three years ago. The best car insurance companies in Minnesota for drivers with at-fault accidents include:
- State Farm: $1422 per year
- American Family: $1,443 per year
- GEICO: $1,466 per year
- Allstate: $1,562 per year
- USAA: $1,600 per year
Car Insurance in Minnesota with Speeding Tickets
Statistically, drivers with multiple speeding tickets are riskier to insure than drivers with no speeding tickets. Most insurers check your driving record for speeding tickets.
However, some companies ignore one or two minor speeding tickets, while others charge prohibitively high rates. The best car insurance companies in Minnesota for drivers with one or more speeding tickets include:
- USAA: $998 per year
- Nationwide: $1,001 per year
- GEICO: $1,029 per year
- Allstate: $1,031 per year
- State Farm: $1,069 per year
Car Insurance in Minnesota for Young Drivers
Young drivers pay more for car insurance in every state. Fortunately for young drivers in Minnesota, there are plenty of affordable options even if you’re young and inexperienced.
Statistically, you’re more likely to cause an accident if you’re under age 25, although you can still find affordable car insurance policies across the state, including from the following providers:
- North Star: $1,052 per year
- American Family: $1,111 per year
- State Farm: $1,231 per year
- GEICO: $1,529 per year
- USAA: $1,531 per year
Car Insurance in Minnesota with Poor Credit
Minnesota, like most states, allows insurers to use your credit score to calculate risk. If you have bad credit in Minnesota, then you’ll pay significantly more for car insurance than drivers with average or good credit scores. Statistically, drivers with bad credit are riskier and more expensive to insure than drivers with good credit.
If you have poor credit, consider requesting a quote from any of the following companies:
- GEICO: $1,309 per year
- USAA: $1,401 per year
- Progressive: $1,528 per year
- State Farm: $1,532 per year
- Nationwide: $1,789 per year
SR-22 Insurance in Minnesota
Certain high-risk drivers need to obtain SR-22 insurance in Minnesota. SR-22 insurance is a certificate verifying you have valid coverage. Most major insurers in Minnesota can provide an SR-22 certificate.
If you need SR-22 insurance, then the Minnesota Department of Public Safety’s Driver and Vehicle Services (DVS) will notify you. They could suspend your license and registration until you provide proof of coverage via the SR-22 certificate.
You must maintain insurance for one calendar year to meet SR-22 requirements. Because SR-22 is a type of higher-risk auto insurance, you should expect higher rates when shopping around.
Drivers in Minnesota may need SR-22 insurance after violating certain laws, letting car insurance lapse, or causing one or more at-fault accidents.
SR-22 insurance has the same minimum liability limits as ordinary car insurance. The SR-22 certificate simply verifies you have adequate coverage on your vehicle.
Conclusion: How to Find the Best Auto Insurance in Minnesota
It’s not hard to find the best car insurance in Minnesota: with a few minutes of comparing quotes online, you can find the right car insurance company for your needs and budget.
Consider any of the Minnesota car insurance companies listed above to find the best insurer for your unique situation.
