The Cheapest Car Insurance in Minnesota for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Minnesota for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Minnesota isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Minnesota is $1,463 per year, or about $122 per month, according to NerdWallet’s analysis. Minimum coverage in Minnesota is $548 per year on average, but we found you can likely get a cheaper policy. For example, North Star offers the cheapest rates in Minnesota at $259 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Minnesota

Farm Bureau Financial Services

$75/month

Not yet rated.

Cheapest for minimum coverage

North Star

$22/month

Not yet rated.

Cheapest for young drivers

$127/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

Farm Bureau Financial Services

$75/month

Not yet rated.

How we chose the cheapest companies in Minnesota

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Minnesota and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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. American Family: $1,524 per year, or about $127 per month.

  2. Farm Bureau Financial Services: $1,709 per year, or about $142 per month.

  3. State Farm: $1,931 per year, or about $161 per month.

  4. North Star: $2,131 per year, or about $178 per month.

  5. Auto-Owners: $2,319 per year, or about $193 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. North Star: $543 per year, or about $45 per month.

  2. Auto-Owners: $708 per year, or about $59 per month.

  3. State Farm: $788 per year, or about $66 per month.

  4. American Family: $818 per year, or about $68 per month.

  5. Farm Bureau Financial Services: $854 per year, or about $71 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: $900 per year, or about $75 per month.

  2. Geico: $1,229 per year, or about $102 per month.

  3. West Bend: $1,399 per year, or about $117 per month.

  4. Country Financial: $1,515 per year, or about $126 per month.

  5. American Family: $1,574 per year, or about $131 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. American Family: $818 per year, or about $68 per month.

  2. North Star: $831 per year, or about $69 per month.

  3. Auto-Owners: $969 per year, or about $81 per month.

  4. State Farm: $1,027 per year, or about $86 per month.

  5. Country Financial: $1,058 per year, or about $88 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. American Family: $968 per year, or about $81 per month.

  2. Western National: $1,076 per year, or about $90 per month.

  3. State Farm: $1,245 per year, or about $104 per month.

  4. Country Financial: $1,260 per year, or about $105 per month.

  5. North Star: $1,285 per year, or about $107 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. Farm Bureau Financial Services: $897 per year, or about $75 per month.

  2. American Family: $1,056 per year, or about $88 per month.

  3. North Star: $1,073 per year, or about $89 per month.

  4. State Farm: $1,129 per year, or about $94 per month.

  5. Auto-Owners: $1,320 per year, or about $110 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. North Star: $259 per year, or about $22 per month.

  2. Auto-Owners: $404 per year, or about $34 per month.

  3. Farm Bureau Financial Services: $425 per year, or about $35 per month.

  4. Western National: $439 per year, or about $37 per month.

  5. West Bend: $468 per year, or about $39 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: $1,723 per year, or about $144 per month.

  2. North Star: $1,779 per year, or about $148 per month.

  3. West Bend: $1,883 per year, or about $157 per month.

  4. American Family: $1,976 per year, or about $165 per month.

  5. Geico: $2,358 per year, or about $196 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. American Family: $1,056 per year, or about $88 per month.

  2. Farm Bureau Financial Services: $1,196 per year, or about $100 per month.

  3. State Farm: $1,418 per year, or about $118 per month.

  4. Western National: $1,513 per year, or about $126 per month.

  5. Auto-Owners: $1,642 per year, or about $137 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. American Family: $1,319 per year, or about $110 per month.

  2. Farm Bureau Financial Services: $1,381 per year, or about $115 per month.

  3. Western National: $1,513 per year, or about $126 per month.

  4. State Farm: $1,652 per year, or about $138 per month.

  5. West Bend: $2,139 per year, or about $178 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: $896 per year, or about $75 per month.

  2. American Family: $1,002 per year, or about $84 per month.

  3. North Star: $1,073 per year, or about $89 per month.

  4. State Farm: $1,096 per year, or about $91 per month.

  5. Auto-Owners: $1,310 per year, or about $109 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. North Star: $259 per year, or about $22 per month.

  2. Western National: $422 per year, or about $35 per month.

  3. Auto-Owners: $424 per year, or about $35 per month.

  4. Farm Bureau Financial Services: $428 per year, or about $36 per month.

  5. West Bend: $446 per year, or about $37 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. Farm Bureau Financial Services: $1,774 per year, or about $148 per month.

  2. North Star: $1,779 per year, or about $148 per month.

  3. West Bend: $1,790 per year, or about $149 per month.

  4. American Family: $1,871 per year, or about $156 per month.

  5. Geico: $2,268 per year, or about $189 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. American Family: $1,002 per year, or about $84 per month.

  2. Farm Bureau Financial Services: $1,195 per year, or about $100 per month.

  3. State Farm: $1,380 per year, or about $115 per month.

  4. Western National: $1,454 per year, or about $121 per month.

  5. Auto-Owners: $1,634 per year, or about $136 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. American Family: $1,251 per year, or about $104 per month.

  2. Farm Bureau Financial Services: $1,379 per year, or about $115 per month.

  3. Western National: $1,454 per year, or about $121 per month.

  4. State Farm: $1,607 per year, or about $134 per month.

  5. West Bend: $2,031 per year, or about $169 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 the best cheap car 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: $753 per year, or about $63 per month.

  2. North Star: $936 per year, or about $78 per month.

  3. American Family: $938 per year, or about $78 per month.

  4. State Farm: $1,069 per year, or about $89 per month.

  5. Auto-Owners: $1,227 per year, or about $102 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. North Star: $229 per year, or about $19 per month.

  2. Farm Bureau Financial Services: $349 per year, or about $29 per month.

  3. Western National: $375 per year, or about $31 per month.

  4. Auto-Owners: $402 per year, or about $34 per month.

  5. West Bend: $435 per year, or about $36 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: $1,479 per year, or about $123 per month.

  2. North Star: $1,552 per year, or about $129 per month.

  3. West Bend: $1,691 per year, or about $141 per month.

  4. American Family: $1,750 per year, or about $146 per month.

  5. Geico: $2,128 per year, or about $177 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. American Family: $938 per year, or about $78 per month.

  2. Farm Bureau Financial Services: $1,002 per year, or about $84 per month.

  3. Western National: $1,291 per year, or about $108 per month.

  4. State Farm: $1,348 per year, or about $112 per month.

  5. Auto-Owners: $1,529 per year, or about $127 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. Farm Bureau Financial Services: $1,157 per year, or about $96 per month.

  2. American Family: $1,167 per year, or about $97 per month.

  3. Western National: $1,291 per year, or about $108 per month.

  4. State Farm: $1,574 per year, or about $131 per month.

  5. West Bend: $1,916 per year, or about $160 per month.

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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 auto 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: $755 per year, or about $63 per month.

  2. American Family: $898 per year, or about $75 per month.

  3. North Star: $936 per year, or about $78 per month.

  4. State Farm: $999 per year, or about $83 per month.

  5. Auto-Owners: $1,192 per year, or about $99 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. North Star: $229 per year, or about $19 per month.

  2. Farm Bureau Financial Services: $359 per year, or about $30 per month.

  3. Western National: $375 per year, or about $31 per month.

  4. Auto-Owners: $407 per year, or about $34 per month.

  5. State Farm: $433 per year, or about $36 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: $1,487 per year, or about $124 per month.

  2. North Star: $1,552 per year, or about $129 per month.

  3. West Bend: $1,669 per year, or about $139 per month.

  4. American Family: $1,685 per year, or about $140 per month.

  5. State Farm: $2,100 per year, or about $175 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. American Family: $898 per year, or about $75 per month.

  2. Farm Bureau Financial Services: $1,006 per year, or about $84 per month.

  3. State Farm: $1,260 per year, or about $105 per month.

  4. Western National: $1,291 per year, or about $108 per month.

  5. Auto-Owners: $1,494 per year, or about $124 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. American Family: $1,117 per year, or about $93 per month.

  2. Farm Bureau Financial Services: $1,161 per year, or about $97 per month.

  3. Western National: $1,291 per year, or about $108 per month.

  4. State Farm: $1,473 per year, or about $123 per month.

  5. West Bend: $1,891 per year, or about $158 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 15 of the 48 driver profiles we examined.

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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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