Car insurance rates vary widely from one insurer to the next, which is why shopping around is so important in your quest for cheap car insurance in Minnesota.
To help drivers find the best deal available, NerdWallet researched rates from the nine largest insurers in the state and identified the three cheapest options for several driver types.
Cheapest for good drivers
American Family was the cheapest insurer we found for good drivers with clean credit, with an average rate of $77 per month. Western National was just a couple bucks more per month on average, and State Farm was the third-cheapest we found in Minnesota for this group.
Insurer | Average price |
---|---|
*Western National is not rated because there is not enough data to evaluate it against larger companies. | |
![]() | $919/year $77/month |
![]() NerdWallet Rating: *Not rated | $953/year $79/month |
![]() | $1,101/year $92/month |
Cheapest for drivers with poor credit
Drivers with spotty credit in Minnesota might want to take a look at American Family, which had the cheapest rate we found at $145 per month, on average. State Farm and Auto-Owners round out the list, the only three we found for this group under $200 per month on average.
Insurer | Average price |
---|---|
![]() | $1,740/year $145/month |
![]() | $2,239/year $187/month |
![]() | $2,380/year $198/month |
Cheapest for drivers with one at-fault crash
Western National was the cheapest carrier we found for Minnesotans with an on-record accident, at $79 per month, on average. American Family was close behind in second and State Farm was the third-cheapest for this group.
Insurer | Average price |
---|---|
*Western National is not rated because there is not enough data to evaluate it against larger companies. | |
![]() NerdWallet Rating: *Not rated | $953/year $79/month |
![]() | $956/year $80/month |
![]() | $1,313/year $109/month |
Cheapest for low-mileage drivers
The cheapest auto insurance company we found for drivers in Minnesota who put few annual miles on their cars is American Family for 2019. It had an average rate of $72 per month, with Western National and State Farm not far behind.
Insurer | Average price |
---|---|
*Western National is not rated because there is not enough data to evaluate it against larger companies. | |
![]() | $864/year $72/month |
![]() NerdWallet Rating: *Not rated | $915/year $76/month |
![]() | $988/year $82/month |
Cheapest for minimum coverage
In our analysis Western National had the cheapest rates for minimum coverage car insurance in Minnesota, at $34 per month, on average. Auto-Owners was the second-cheapest for bare-bones coverage, and American Family was third.
Insurer | Average price |
---|---|
*Western National is not rated because there is not enough data to evaluate it against larger companies. | |
![]() NerdWallet Rating: *Not rated | $403/year $34/month |
![]() | $480/year $40/month |
![]() | $538/year $45/month |
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.
- $25,000 UIMBI per person.
- $50,000 UIMBI 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 car insurance quotes in Minnesota, try NerdWallet’s anonymous comparison tool to possibly save hundreds.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Minnesota
Category | Cheapest option |
---|---|
Good drivers | American Family |
Drivers with poor credit | American Family |
Drivers with one at-fault crash | Western National |
Low-mileage drivers | American Family |
Minimum coverage | Western National |