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Compare car insurance in Minnesota

Get the cheapest car insurance in Minnesota for 2021

The average annual cost of car insurance in Minnesota is $1,300. Narrow down car insurers offering coverage in Minnesota by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

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

Most popular Minnesota auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$901,78123.8%
American Family$457,64812.1%
Auto-Owners Insurance Co.$119,7013.2%
Liberty Mutual$109,1042.9%

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$328Get a quoteRead review
Western National$344
Country Financial$467Read review
State Farm$588Get a quote
Metromile$611Get a quoteRead review
USAA$756Get a quoteRead review
Allstate$768Get a quoteRead review
Geico$936Get a quoteRead review

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
American Family$1270

Car insurance quotes in Rochester

CompanyAnnual car insurance rate
American Family$1128

Car insurance quotes in Lakeville

CompanyAnnual car insurance rate
American Family$1131

Car insurance quotes in Andover

CompanyAnnual car insurance rate
American Family$1267

Car insurance quotes in Anoka

CompanyAnnual car insurance rate
American Family$789

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.

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.

Frequently asked questions about Minnesota car insurance

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