Cheap Car Insurance in Minnesota – September 2023

Farm Bureau Financial Services offers the cheapest car insurance in Minnesota, with an average monthly rate of $68 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Minnesota isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Minnesota is Farm Bureau Financial Services at $819 per year on average, or $68 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Minnesota. Meanwhile, the average cost of full coverage car insurance in Minnesota is $1,934 per year, or about $161 per month.

Minimum coverage in Minnesota is $702 per year on average, but we found you can likely get a cheaper policy. For example, Westfield offers the cheapest rates in Minnesota at $323 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Minnesota cities, including:

How we chose the cheapest companies in Minnesota

NerdWallet’s editorial team analyzed car insurance rates from 22 auto insurers in Minnesota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Minnesota. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Minnesota where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Minnesota for 20-year-olds

Drivers in Minnesota with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $1,574 per year, or about $131 per month.
  2. Secura: $2,040 per year, or about $170 per month.
  3. State Farm: $2,210 per year, or about $184 per month.
  4. American Family: $2,241 per year, or about $187 per month.
  5. Auto-Owners: $2,275 per year, or about $190 per month.

Cheapest minimum coverage car insurance in Minnesota for 20-year-olds

Drivers in Minnesota who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Auto-Owners: $564 per year, or about $47 per month.
  2. Westfield: $569 per year, or about $47 per month.
  3. Farm Bureau Financial Services: $685 per year, or about $57 per month.
  4. North Star: $709 per year, or about $59 per month.
  5. State Farm: $741 per year, or about $62 per month.

Cheapest auto insurance in Minnesota for 20-year-olds with poor credit

Drivers with poor credit in Minnesota should look at the following insurers with the lowest average rates for minimum coverage:

  1. North Star: $1,177 per year, or about $98 per month.
  2. Westfield: $1,216 per year, or about $101 per month.
  3. Farm Bureau Financial Services: $1,249 per year, or about $104 per month.
  4. West Bend: $1,372 per year, or about $114 per month.
  5. Farmers Union: $1,560 per year, or about $130 per month.

Cheapest auto insurance in Minnesota for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Westfield: $678 per year, or about $56 per month.
  2. Chubb: $758 per year, or about $63 per month.
  3. Farm Bureau Financial Services: $771 per year, or about $64 per month.
  4. Auto-Owners: $778 per year, or about $65 per month.
  5. State Farm: $855 per year, or about $71 per month.

Cheapest auto insurance in Minnesota for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Westfield: $712 per year, or about $59 per month.
  2. Chubb: $758 per year, or about $63 per month.
  3. Auto-Owners: $772 per year, or about $64 per month.
  4. Farm Bureau Financial Services: $915 per year, or about $76 per month.
  5. State Farm: $963 per year, or about $80 per month.

Cheapest auto insurance in Minnesota for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Chubb: $758 per year, or about $63 per month.
  2. Western National: $965 per year, or about $80 per month.
  3. Westfield: $1,045 per year, or about $87 per month.
  4. State Farm: $1,155 per year, or about $96 per month.
  5. Farmers Union: $1,241 per year, or about $103 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Minnesota for 30-year-olds

Drivers in Minnesota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $819 per year, or about $68 per month.
  2. Secura: $1,015 per year, or about $85 per month.
  3. State Farm: $1,076 per year, or about $90 per month.
  4. Auto-Owners: $1,370 per year, or about $114 per month.
  5. American Family: $1,403 per year, or about $117 per month.

Cheapest minimum coverage car insurance in Minnesota for 30-year-olds

Drivers in Minnesota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $337 per year, or about $28 per month.
  2. Westfield: $338 per year, or about $28 per month.
  3. Auto-Owners: $343 per year, or about $29 per month.
  4. State Farm: $360 per year, or about $30 per month.
  5. North Star: $367 per year, or about $31 per month.

Cheapest auto insurance in Minnesota for 30-year-olds with poor credit

Drivers with poor credit in Minnesota should consider the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,560 per year, or about $130 per month.
  2. Secura: $1,695 per year, or about $141 per month.
  3. North Star: $2,411 per year, or about $201 per month.
  4. West Bend: $2,540 per year, or about $212 per month.
  5. American Family: $2,689 per year, or about $224 per month.

Cheapest auto insurance in Minnesota for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Western National: $375 per year, or about $31 per month.
  2. Farm Bureau Financial Services: $380 per year, or about $32 per month.
  3. Westfield: $403 per year, or about $34 per month.
  4. Chubb: $412 per year, or about $34 per month.
  5. State Farm: $414 per year, or about $35 per month.

Cheapest auto insurance in Minnesota for 30-year-old drivers with one at-fault crash

For drivers in Minnesota with a recent accident, here are the lowest average rate options for full coverage:

  1. Farm Bureau Financial Services: $1,092 per year, or about $91 per month.
  2. State Farm: $1,340 per year, or about $112 per month.
  3. Chubb: $1,438 per year, or about $120 per month.
  4. Western National: $1,445 per year, or about $120 per month.
  5. Secura: $1,635 per year, or about $136 per month.

Cheapest auto insurance in Minnesota for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Chubb: $1,438 per year, or about $120 per month.
  2. Western National: $1,445 per year, or about $120 per month.
  3. State Farm: $1,536 per year, or about $128 per month.
  4. Farm Bureau Financial Services: $1,623 per year, or about $135 per month.
  5. American Family: $1,712 per year, or about $143 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Minnesota for 40-year-olds

Drivers in Minnesota with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $818 per year, or about $68 per month.
  2. Secura: $938 per year, or about $78 per month.
  3. State Farm: $1,035 per year, or about $86 per month.
  4. American Family: $1,307 per year, or about $109 per month.
  5. Auto-Owners: $1,355 per year, or about $113 per month.

Cheapest minimum coverage car insurance in Minnesota for 40-year-olds

Drivers in Minnesota who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Westfield: $311 per year, or about $26 per month.
  2. Farm Bureau Financial Services: $340 per year, or about $28 per month.
  3. State Farm: $358 per year, or about $30 per month.
  4. Auto-Owners: $362 per year, or about $30 per month.
  5. Western National: $365 per year, or about $30 per month.

Cheapest auto insurance in Minnesota for 40-year-olds with poor credit

Drivers with poor credit in Minnesota can check out the following insurers with the lowest average rates for full coverage:

  1. Secura: $1,563 per year, or about $130 per month.
  2. Farm Bureau Financial Services: $1,606 per year, or about $134 per month.
  3. West Bend: $2,373 per year, or about $198 per month.
  4. North Star: $2,411 per year, or about $201 per month.
  5. American Family: $2,461 per year, or about $205 per month.

Cheapest auto insurance in Minnesota for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Western National: $365 per year, or about $30 per month.
  2. Westfield: $369 per year, or about $31 per month.
  3. Farm Bureau Financial Services: $382 per year, or about $32 per month.
  4. Chubb: $387 per year, or about $32 per month.
  5. State Farm: $411 per year, or about $34 per month.

Cheapest auto insurance in Minnesota for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Minnesota, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,090 per year, or about $91 per month.
  2. State Farm: $1,290 per year, or about $108 per month.
  3. Chubb: $1,377 per year, or about $115 per month.
  4. Western National: $1,401 per year, or about $117 per month.
  5. Secura: $1,508 per year, or about $126 per month.

Cheapest auto insurance in Minnesota for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Chubb: $1,377 per year, or about $115 per month.
  2. Western National: $1,401 per year, or about $117 per month.
  3. State Farm: $1,480 per year, or about $123 per month.
  4. American Family: $1,599 per year, or about $133 per month.
  5. Farm Bureau Financial Services: $1,620 per year, or about $135 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Minnesota for 50-year-olds

Drivers in Minnesota with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $688 per year, or about $57 per month.
  2. Secura: $909 per year, or about $76 per month.
  3. State Farm: $995 per year, or about $83 per month.
  4. American Family: $1,206 per year, or about $100 per month.
  5. Western National: $1,268 per year, or about $106 per month.

Cheapest minimum coverage car insurance in Minnesota for 50-year-olds

Drivers in Minnesota who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Farm Bureau Financial Services: $278 per year, or about $23 per month.
  2. Westfield: $301 per year, or about $25 per month.
  3. North Star: $323 per year, or about $27 per month.
  4. Western National: $329 per year, or about $27 per month.
  5. Auto-Owners: $343 per year, or about $29 per month.

Cheapest auto insurance in Minnesota for 50-year-olds with poor credit

Drivers with poor credit in Minnesota can check with the following companies, which showed the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,341 per year, or about $112 per month.
  2. Secura: $1,518 per year, or about $126 per month.
  3. North Star: $2,105 per year, or about $175 per month.
  4. American Family: $2,290 per year, or about $191 per month.
  5. West Bend: $2,303 per year, or about $192 per month.

Cheapest auto insurance in Minnesota for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $312 per year, or about $26 per month.
  2. Western National: $329 per year, or about $27 per month.
  3. Westfield: $359 per year, or about $30 per month.
  4. North Star: $368 per year, or about $31 per month.
  5. Chubb: $376 per year, or about $31 per month.

Cheapest auto insurance in Minnesota for 50-year-old drivers with one at-fault crash

For drivers living in Minnesota with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Farm Bureau Financial Services: $917 per year, or about $76 per month.
  2. State Farm: $1,243 per year, or about $104 per month.
  3. Western National: $1,268 per year, or about $106 per month.
  4. Chubb: $1,321 per year, or about $110 per month.
  5. Secura: $1,467 per year, or about $122 per month.

Cheapest auto insurance in Minnesota for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Western National: $1,268 per year, or about $106 per month.
  2. Chubb: $1,321 per year, or about $110 per month.
  3. Farm Bureau Financial Services: $1,361 per year, or about $113 per month.
  4. State Farm: $1,427 per year, or about $119 per month.
  5. American Family: $1,474 per year, or about $123 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Minnesota for 60-year-olds

Drivers in Minnesota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $690 per year, or about $57 per month.
  2. Secura: $913 per year, or about $76 per month.
  3. State Farm: $913 per year, or about $76 per month.
  4. Chubb: $1,132 per year, or about $94 per month.
  5. American Family: $1,162 per year, or about $97 per month.

Cheapest minimum coverage car insurance in Minnesota for 60-year-olds

Drivers in Minnesota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $286 per year, or about $24 per month.
  2. North Star: $323 per year, or about $27 per month.
  3. State Farm: $324 per year, or about $27 per month.
  4. Westfield: $326 per year, or about $27 per month.
  5. Western National: $329 per year, or about $27 per month.

Cheapest auto insurance in Minnesota for 60-year-olds with poor credit

Drivers with poor credit in Minnesota can look at the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,347 per year, or about $112 per month.
  2. Secura: $1,523 per year, or about $127 per month.
  3. North Star: $2,105 per year, or about $175 per month.
  4. American Family: $2,217 per year, or about $185 per month.
  5. West Bend: $2,300 per year, or about $192 per month.

Cheapest auto insurance in Minnesota for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $321 per year, or about $27 per month.
  2. Western National: $329 per year, or about $27 per month.
  3. Chubb: $329 per year, or about $27 per month.
  4. North Star: $368 per year, or about $31 per month.
  5. State Farm: $373 per year, or about $31 per month.

Cheapest auto insurance in Minnesota for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Minnesota, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $919 per year, or about $77 per month.
  2. Chubb: $1,132 per year, or about $94 per month.
  3. State Farm: $1,143 per year, or about $95 per month.
  4. Western National: $1,268 per year, or about $106 per month.
  5. Auto-Owners: $1,455 per year, or about $121 per month.

Cheapest auto insurance in Minnesota for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Chubb: $1,132 per year, or about $94 per month.
  2. Western National: $1,268 per year, or about $106 per month.
  3. State Farm: $1,314 per year, or about $109 per month.
  4. Farm Bureau Financial Services: $1,364 per year, or about $114 per month.
  5. American Family: $1,419 per year, or about $118 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Minnesota for 70-year-olds

Drivers in Minnesota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $753 per year, or about $63 per month.
  2. State Farm: $905 per year, or about $75 per month.
  3. Secura: $1,058 per year, or about $88 per month.
  4. Chubb: $1,149 per year, or about $96 per month.
  5. American Family: $1,220 per year, or about $102 per month.

Cheapest minimum coverage car insurance in Minnesota for 70-year-olds

Drivers in Minnesota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. State Farm: $303 per year, or about $25 per month.
  2. North Star: $308 per year, or about $26 per month.
  3. Chubb: $338 per year, or about $28 per month.
  4. Farm Bureau Financial Services: $353 per year, or about $29 per month.
  5. Western National: $360 per year, or about $30 per month.

Cheapest auto insurance in Minnesota for 70-year-olds with poor credit

Drivers with poor credit in Minnesota can look at the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,487 per year, or about $124 per month.
  2. Secura: $1,775 per year, or about $148 per month.
  3. North Star: $2,078 per year, or about $173 per month.
  4. American Family: $2,338 per year, or about $195 per month.
  5. Westfield: $2,446 per year, or about $204 per month.

Cheapest auto insurance in Minnesota for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Minnesota , here are the companies with the lowest average rates for minimum coverage:

  1. Chubb: $338 per year, or about $28 per month.
  2. State Farm: $350 per year, or about $29 per month.
  3. North Star: $350 per year, or about $29 per month.
  4. Western National: $360 per year, or about $30 per month.
  5. Farm Bureau Financial Services: $397 per year, or about $33 per month.

Cheapest auto insurance in Minnesota for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Minnesota, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $1,004 per year, or about $84 per month.
  2. State Farm: $1,135 per year, or about $95 per month.
  3. Chubb: $1,149 per year, or about $96 per month.
  4. Western National: $1,387 per year, or about $116 per month.
  5. Auto-Owners: $1,570 per year, or about $131 per month.

Cheapest auto insurance in Minnesota for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Chubb: $1,149 per year, or about $96 per month.
  2. State Farm: $1,307 per year, or about $109 per month.
  3. Western National: $1,387 per year, or about $116 per month.
  4. Farm Bureau Financial Services: $1,491 per year, or about $124 per month.
  5. American Family: $1,508 per year, or about $126 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 25 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Minnesota

The Land of 10,000 Lakes has relatively extensive car insurance requirements. Drivers must carry liability insurance, uninsured motorist coverage (UMBI), underinsured motorist (UIMBI) coverage and personal injury protection (PIP) in the following amounts:

  • $30,000 bodily injury liability per person.

  • $60,000 bodily injury liability per accident.

  • $10,000 property damage liability per accident.

  • $25,000 UMBI per person.

  • $50,000 UMBI per accident.

  • $40,000 PIP.

For the most accurate auto insurance quotes in Minnesota, keep your required and optional coverages identical when comparing prices. Visit NerdWallet’s guide to state car insurance requirements for more detail on what these mandatory coverage levels mean, and how and when your policy kicks in.

Alternative car insurance in Minnesota

Minnesotans who’ve been denied car insurance on the open market within the past 60 days can apply for coverage through the Minnesota Automobile Insurance Plan. This network of insurers was established to help high-risk drivers secure coverage at established price levels.

For even more help finding cheap auto insurance quotes in Minnesota, try NerdWallet’s car insurance comparison tool to possibly save hundreds.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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