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Compare Cheap Car Insurance in Minnesota

Cutting your Minnesota car insurance premium shouldn't mean sacrificing coverage. Explore these wallet-friendly providers in the North Star State.
Updated Oct. 9, 2025
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Minnesota drivers looking for affordable coverage can consider State Farm, Auto-Owners, and USAA as good options for cheap car insurance providers.

Full-coverage auto insurance in Minnesota averages $187 each month, compared to the national average of $186. Your actual premium depends on many factors, including your age, your driving history, and where you live. That's why in every state, the best way to find low rates on the right coverage is to request quotes from several insurance companies and compare these side by side.

Below, we'll examine Minnesota's most affordable car insurance options, organized by coverage type, driver characteristics, and insurance provider.

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Affordable full-coverage car insurance in Minnesota

Full-coverage insurance in Minnesota averages $187 per month, compared to $186 nationwide. Among the cheapest car insurance providers in Minnesota are State Farm, Auto-Owners, and USAA.

Average monthly full coverage cost
Minnesota average $187
National average $186
State Farm $100
Auto-Owners $116
USAA $123
American Family $145

Affordable liability-only car insurance in Minnesota

Among the cheapest liability-only car insurance, State Farm, Safeco, and Auto-Owners stand out for offering competitive pricing.

Minnesota's average monthly premium for liability-only coverage is $100, while the national average sits at $104.

Average monthly liability-only cost
Minnesota average $100
National average $104
State Farm $68
Safeco $74
Auto-Owners $79
USAA $82

Cheap car insurance in Minnesota by age

Age plays a substantial role in determining insurance premiums. When you compare car insurance for teens, which typically carries the steepest rates because teens have less driving experience, Minnesota policies average $376 per month.

Premiums generally start dropping as drivers reach their 20s, averaging $242 per month for full coverage. Drivers in their 30s and 40s see continued decreases, paying approximately $205 and $200 monthly, respectively.

Costs may increase again for drivers entering their 60s and beyond. In Minnesota, seniors typically pay $150 monthly in their 60s and $153 in their 70s.

These age-related premium variations reflect different risk levels associated with each age bracket. Simply put, younger drivers pose a greater risk, while older drivers may face increased rates due to factors such as health and driving patterns.

Age group Average monthly full coverage cost Average monthly liability-only cost
Teens $376 $202
20s $242 $130
30s $205 $110
40s $200 $107
50s $173 $93
60s $150 $80
70s $153 $82

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Cheap car insurance in Minnesota for high-risk drivers

Drivers with moving violations or accidents on their record typically receive higher car insurance premiums. Below are Minnesota's average costs for drivers with an accident, speeding ticket, or DUI on their record, based on rates for car insurance if you have a bad driving record.

Violation Average monthly full coverage cost Average monthly liability-only cost
Accident $235 $126
Speeding ticket $233 $125
DUI $301 $162

Compare low-cost car insurance after an accident

Minnesota drivers with an accident on their record can also find affordable coverage through State Farm, Auto-Owners, and USAA. Full-coverage premiums for drivers with accidents average $235 per month.

Company Average monthly full coverage cost Average monthly liability-only cost
State Farm $126 $86
Auto-Owners $146 $99
USAA $157 $105

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Compare low-cost car insurance after a speeding ticket

If you've received a speeding ticket in Minnesota, State Farm, Auto-Owners, and USAA may provide low rates. Full coverage for drivers with speeding tickets averages $233 monthly.

Company Average monthly full coverage cost Average monthly liability-only cost
State Farm $124 $84
Auto-Owners $147 $100
USAA $155 $104

Compare low-cost car insurance after DUI conviction

Minnesota drivers with a DUI can access affordable full coverage through State Farm, Auto-Owners, and USAA. Average full coverage rates for drivers with DUI convictions reach $301.

Company Average monthly full coverage cost Average monthly liability-only cost
State Farm $153 $104
Auto-Owners $177 $121
USAA $188 $126

Cheap car insurance in Minnesota by credit score

Minnesota drivers with excellent credit pay approximately $159 monthly. Conversely, drivers with poor credit encounter steeper premiums, beginning at $216 per month.

This rate disparity demonstrates how credit scores influence insurance pricing, as poor credit generally results in elevated premiums due to increased perceived risk of nonpayment. Minnesota law permits car insurance companies to use consumers' credit scores as one factor in setting premiums.

Credit score Average monthly cost of full coverage Average monthly cost of liability-only
Excellent $159 $85
Good $185 $99
Average $198 $106
Poor $216 $116

FAQs

What are Minnesota's minimum car insurance requirements?

Minnesota requires all drivers to carry 30/60/10 liability coverage. Many states require $25,000 in bodily injury liability per person and $50,000 per accident, so those minimums are a little high, but $10,000 for property damage is a bit low.

As a no-fault state since 1975, Minnesota also mandates Personal Injury Protection (PIP), setting it apart from other states. The state requires $40,000 in coverage per person, with $20,000 permitted for medical expenses and $20,000 permitted for non-medical expenses.

What unique weather risks affect Minnesota car insurance rates?

Minnesota's severe winter conditions can impact insurance premiums, with heavy snow, ice, and subzero temperatures potentially creating elevated risks for accidents and vehicle damage. The state experiences frequent hailstorms and flooding during warmer months, while rural areas see deer collisions year-round. 

These conditions may make comprehensive coverage particularly valuable for Minnesota drivers, as it covers factors outside of your control, such as weather events.

How can high-risk Minnesota drivers get car insurance coverage?

Minnesota operates the Minnesota Automobile Insurance Plan as a last-resort option for high-risk drivers who have been denied coverage in the voluntary market within the past 60 days. This state-mandated program connects difficult-to-insure drivers with a network of participating insurers at established rates, though premiums through MNAIP typically cost more than standard policies. The program ensures that all Minnesota drivers can meet the state's mandatory insurance requirements, even after serious violations such as DUIs or multiple at-fault accidents.

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Bottom line

Although these companies may offer the lowest rates in Minnesota, they might not necessarily be the most affordable option for your specific car insurance needs. Your best approach is to obtain quotes from multiple insurance providers and evaluate them based on both pricing and service quality.


Data throughout provided by Insurify

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  • You could save up to $600 with some companies.
  • Compare dozens of providers in under 5 minutes.
  • Fast, free, and easy way to shop for insurance.
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