Compare car insurance rates in Minnesota | finder.com

Cheap car insurance in Minnesota

How to get the best car insurance in Minnesota

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Minnesota landscape

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With a healthy mix of farmland, lake communities, small towns and cities, you’ll typically need a car to experience everything Minnesota has to offer. To legally get behind the wheel, drivers need to carry more coverage than liability insurance. You’ll need coverage protecting not just you but other drivers as well. Compare Minnesota’s high minimum coverage requirements, other coverage options and how to get cheap car insurance in Minnesota.

Minnesota

Car insurance quick facts

30/60/10

Minimum liability requirements

$1,300

Average annual car insurance cost

Immediately

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare car insurance providers in Minnesota

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Average insurance costs in Minnesota

Minnesota’s drivers can expect to pay right around the national average for car insurance, which is $1200-1300 annually.

However, because car insurance rates are influenced by so many outside factors, you could still end up with a rate that’s better than average. You could also wind up paying significantly more than you want.

Cheapest car insurance in Minnesota

CompanyAverage annual rateLearn more
North Star$280
AAA$328
Western National$344
Country Financial$467
State Farm$588
Metromile$611
USAA$756
Allstate$768
Auto-Owners$856
Geico$936
CompanyDirect premiums written (billions)Market share
State Farm$901,78123.8%
Progressive$661,24017.4%
American Family$457,64812.1%
Farmers$214,3315.6%
Allstate$209,7625.5%
Geico$147,1393.9%
USAA$120,8583.2%
Auto-Owners Insurance Co.$119,7013.2%
Travelers$113,2513.0%
Liberty Mutual$109,1042.9%

Car insurance minimums in Minnesota

Depending on where you live, your state will require specific minimums for car insurance coverage. To legally drive in Minnesota, you need to carry at least:

  • $30,000 bodily injury liability per person.
  • $60,000 bodily injury liability per accident.
  • $10,000 property damage liability per accident.
  • $40,000 personal injury protection per person.

When shopping for car insurance in Minnesota, you may see these liability limits written as 30/60/10.

About 20 states also require that its drivers carry uninsured/underinsured motorist coverage to protect you against accidents with drivers that aren’t adequately covered by a car insurance policy. Minnesota is of those states, requiring:

  • $25,000 uninsured/underinsured motorist coverage per person.
  • $50,000 uninsured/underinsured motorist coverage total per accident.

PIP insurance in Minnesota

Personal injury protection (PIP) in Minnesota covers medical expenses after an accident for you and any passengers, regardless of fault. Typically you can use this coverage before dipping in to your health insurance coverage. You can typically even use your PIP coverage if you’re injured in a taxi or riding in someone else’s car in Minnesota.

You can use PIP insurance to cover expenses including hospitalization, ambulance rides, surgery, dental work, therapy, rehabilitation and funeral expenses (up to $5,000). You can also get up to 85% of lost wages up to $500 per week and replacement services up to $200 per week for housekeeping and meal prep while unable to provide for yourself due to accident injuries. Much like comprehensive claims, PIP claims won’t affect your car insurance rates.

SR-22 insurance in Minnesota

You might need an SR-22 in Minnesota if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Distracted driving in Minnesota

As of August 1, 2019, Minnesota has cracked down on cellphone use and slow drivers in the left lane. Drivers going below the speed limit in the left lane could face a $125 fine. With the hands-free driving law, drivers can only use touch-free or bluetooth devices while driving, with a fine of $275 for breaking the law.

Which city has the cheapest car insurance in Minnesota?

Of Minnesota’s largest cities, Anoka has the cheapest rates and Andover has the most expensive car insurance rates. Andover drivers could face rates 4 times more than Anoka drivers.

Car insurance quotes in Saint Paul

CompanyAnnual car insurance rate
Allstate$2396
American Family$1270
Metromile$1375
AAA$1298
Geico$2166

Car insurance quotes in Rochester

CompanyAnnual car insurance rate
Allstate$2154
American Family$1128
Metromile$1275
AAA$1315
Geico$2213

Car insurance quotes in Lakeville

CompanyAnnual car insurance rate
Allstate$2442
American Family$1131
Metromile$1425
AAA$1354
Geico$2121

Car insurance quotes in Andover

CompanyAnnual car insurance rate
Allstate$2594
American Family$1267
Metromile$1394
AAA$1283
Geico$2291

Car insurance quotes in Anoka

CompanyAnnual car insurance rate
Allstate$1029
American Family$789
Metromile$909
AAA$539
Geico$952

Bottom line

Exploring the best of Minnesota’s attractions might be fun, but it’s sure to involve a lot of driving. Having the most adequate level of insurance coverage for your needs can provide peace of mind while you’re out on the road.

Get the best price on your car insurance by shopping around for the coverage — and discounts — that are right for you. To learn more about these topics, from rules and regulations to finding the best rates and coverage options, visit our comprehensive guide on car insurance.

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Frequently asked questions about Minnesota car insurance

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