Best Cheap Car Insurance in Minnesota for 2021

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 23 insurers in the state and identified the five cheapest options for several driver types.

Cheapest for 20-year-old drivers in Minnesota

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 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: $1,651 per year.
2. American Family: $1,653 per year.
3. State Farm: $1,829 per year.
4. Auto-Owners: $2,149 per year.
5. North Star: $2,170 per year.

Cheapest minimum coverage 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: $604 per year.
2. Auto-Owners: $715 per year.
3. State Farm: $793 per year.
4. Farm Bureau Financial Services: $798 per year.
5. Country Financial: $877 per year.

Cheapest coverage for 20-year-olds with poor credit in Minnesota

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

1. North Star: $1,002 per year.
2. West Bend: $1,270 per year.
3. Geico: $1,284 per year.
4. Country Financial: $1,470 per year.
5. Farm Bureau Financial Services: $1,482 per year.

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

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

1. North Star: $925 per year.
2. American Family: $960 per year.
3. Auto-Owners: $980 per year.
4. Country Financial: $995 per year.
5. State Farm: $1,033 per year.

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

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

1. Western National: $1,073 per year.
2. American Family: $1,096 per year.
3. Country Financial: $1,188 per year.
4. Farm Bureau Financial Services: $1,232 per year.
5. State Farm: $1,252 per year.

Cheapest for 30-year-old drivers in Minnesota

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 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: $866 per year.
2. State Farm: $1,060 per year.
3. North Star: $1,088 per year.
4. American Family: $1,157 per year.
5. Auto-Owners: $1,214 per year.

Cheapest minimum coverage 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: $289 per year.
2. Farm Bureau Financial Services: $396 per year.
3. Auto-Owners: $404 per year.
4. West Bend: $427 per year.
5. Western National: $438 per year.

Cheapest coverage for 30-year-olds with poor credit in Minnesota

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

1. Farm Bureau Financial Services: $1,662 per year.
2. West Bend: $1,668 per year.
3. North Star: $1,805 per year.
4. American Family: $2,146 per year.
5. State Farm: $2,227 per year.

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

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

1. Farm Bureau Financial Services: $1,154 per year.
2. American Family: $1,157 per year.
3. State Farm: $1,337 per year.
4. Western National: $1,444 per year.
5. Auto-Owners: $1,518 per year.

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

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

1. Farm Bureau Financial Services: $1,333 per year.
2. American Family: $1,409 per year.
3. Western National: $1,444 per year.
4. State Farm: $1,562 per year.
5. West Bend: $1,894 per year.

Cheapest for 40-year-old drivers in Minnesota

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 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: $865 per year.
2. State Farm: $1,032 per year.
3. North Star: $1,088 per year.
4. American Family: $1,089 per year.
5. Auto-Owners: $1,208 per year.

Cheapest minimum coverage 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: $289 per year.
2. Farm Bureau Financial Services: $399 per year.
3. West Bend: $408 per year.
4. Western National: $421 per year.
5. Auto-Owners: $424 per year.

Cheapest coverage for 40-year-olds with poor credit in Minnesota

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

1. West Bend: $1,586 per year.
2. Farm Bureau Financial Services: $1,712 per year.
3. North Star: $1,805 per year.
4. American Family: $2,012 per year.
5. State Farm: $2,168 per year.

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

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

1. American Family: $1,089 per year.
2. Farm Bureau Financial Services: $1,153 per year.
3. State Farm: $1,303 per year.
4. Western National: $1,388 per year.
5. Auto-Owners: $1,515 per year.

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

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

1. American Family: $1,328 per year.
2. Farm Bureau Financial Services: $1,331 per year.
3. Western National: $1,388 per year.
4. State Farm: $1,523 per year.
5. West Bend: $1,797 per year.

Cheapest for 50-year-old drivers in Minnesota

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 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: $728 per year.
2. North Star: $951 per year.
3. State Farm: $1,008 per year.
4. American Family: $1,020 per year.
5. Auto-Owners: $1,133 per year.

Cheapest minimum coverage 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: $255 per year.
2. Farm Bureau Financial Services: $326 per year.
3. Western National: $374 per year.
4. West Bend: $398 per year.
5. Auto-Owners: $402 per year.

Cheapest coverage for 50-year-olds with poor credit in Minnesota

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: $1,428 per year.
2. West Bend: $1,500 per year.
3. North Star: $1,575 per year.
4. American Family: $1,877 per year.
5. State Farm: $2,119 per year.

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

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: $969 per year.
2. American Family: $1,020 per year.
3. Western National: $1,233 per year.
4. State Farm: $1,276 per year.
5. Auto-Owners: $1,419 per year.

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

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: $1,118 per year.
2. Western National: $1,233 per year.
3. American Family: $1,239 per year.
4. State Farm: $1,494 per year.
5. West Bend: $1,697 per year.

Cheapest for 65-year-old drivers in Minnesota

Although 65-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 mid-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 in Minnesota for 65-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: $749 per year.
2. State Farm: $903 per year.
3. North Star: $939 per year.
4. American Family: $991 per year.
5. Auto-Owners: $1,133 per year.

Cheapest minimum coverage in Minnesota for 65-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: $243 per year.
2. Farm Bureau Financial Services: $349 per year.
3. State Farm: $404 per year.
4. Western National: $416 per year.
5. West Bend: $423 per year.

Cheapest coverage for 65-year-olds with poor credit in Minnesota

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: $1,478 per year.
2. West Bend: $1,528 per year.
3. North Star: $1,555 per year.
4. American Family: $1,835 per year.
5. State Farm: $1,897 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Minnesota

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

1. American Family: $991 per year.
2. Farm Bureau Financial Services: $998 per year.
3. State Farm: $1,144 per year.
4. Western National: $1,375 per year.
5. Auto-Owners: $1,437 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Minnesota

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

1. Farm Bureau Financial Services: $1,151 per year.
2. American Family: $1,207 per year.
3. State Farm: $1,339 per year.
4. Western National: $1,375 per year.
5. West Bend: $1,735 per year.

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
• We analyzed rates for drivers 20 to 80 years old in five-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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.