The Cheapest Car Insurance in Minnesota for 2024
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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 American Family at $992 per year on average, or $83 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 $1,667 per year, or about $139 per month.
Did your rates go up? Auto insurance prices are on the rise in Minnesota. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Minnesota is $469 per year on average, but we found you can likely get a cheaper policy. For example, Westfield offers the cheapest rates in Minnesota at $297 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.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 20 auto insurers in Minnesota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. 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 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:
- Farm Bureau Financial Services: $1,949 per year, or about $162 per month.
- American Family: $2,163 per year, or about $180 per month.
- Travelers: $2,277 per year, or about $190 per month.
- Auto-Owners: $2,292 per year, or about $191 per month.
- Farmers Union: $2,307 per year, or about $192 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:
- Westfield: $524 per year, or about $44 per month.
- North Star: $572 per year, or about $48 per month.
- Auto-Owners: $598 per year, or about $50 per month.
- Travelers: $646 per year, or about $54 per month.
- Farm Bureau Financial Services: $702 per year, or about $59 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:
- North Star: $948 per year, or about $79 per month.
- Allstate: $1,069 per year, or about $89 per month.
- Westfield: $1,115 per year, or about $93 per month.
- Geico: $1,292 per year, or about $108 per month.
- Farm Bureau Financial Services: $1,380 per year, or about $115 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:
- Westfield: $626 per year, or about $52 per month.
- Travelers: $788 per year, or about $66 per month.
- Farm Bureau Financial Services: $792 per year, or about $66 per month.
- Western National: $798 per year, or about $67 per month.
- Auto-Owners: $830 per year, or about $69 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:
- Westfield: $653 per year, or about $54 per month.
- Western National: $798 per year, or about $67 per month.
- Auto-Owners: $819 per year, or about $68 per month.
- Travelers: $838 per year, or about $70 per month.
- North Star: $886 per year, or about $74 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.
- Western National: $798 per year, or about $67 per month.
- Westfield: $955 per year, or about $80 per month.
- Travelers: $993 per year, or about $83 per month.
- Farmers Union: $1,104 per year, or about $92 per month.
- Auto-Owners: $1,325 per year, or about $110 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:
- American Family: $1,020 per year, or about $85 per month.
- Farm Bureau Financial Services: $1,047 per year, or about $87 per month.
- Auto Club Group: $1,225 per year, or about $102 per month.
- Auto-Owners: $1,310 per year, or about $109 per month.
- Nationwide: $1,323 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:
- North Star: $302 per year, or about $25 per month.
- Westfield: $312 per year, or about $26 per month.
- Western National: $332 per year, or about $28 per month.
- Auto Club Group: $340 per year, or about $28 per month.
- Auto-Owners: $343 per year, or about $29 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:
- American Family: $1,944 per year, or about $162 per month.
- Nationwide: $1,953 per year, or about $163 per month.
- Farm Bureau Financial Services: $2,099 per year, or about $175 per month.
- Geico: $2,657 per year, or about $221 per month.
- Auto Club Group: $2,779 per year, or about $232 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:
- Western National: $332 per year, or about $28 per month.
- North Star: $344 per year, or about $29 per month.
- Westfield: $371 per year, or about $31 per month.
- Farm Bureau Financial Services: $390 per year, or about $33 per month.
- Auto-Owners: $472 per year, or about $39 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:
- Farm Bureau Financial Services: $1,397 per year, or about $116 per month.
- Western National: $1,478 per year, or about $123 per month.
- Auto-Owners: $1,614 per year, or about $134 per month.
- Travelers: $1,938 per year, or about $162 per month.
- American Family: $1,971 per year, or about $164 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.
- Western National: $1,478 per year, or about $123 per month.
- American Family: $1,785 per year, or about $149 per month.
- Farm Bureau Financial Services: $2,078 per year, or about $173 per month.
- Auto-Owners: $2,289 per year, or about $191 per month.
- Travelers: $2,297 per year, or about $191 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:
- American Family: $993 per year, or about $83 per month.
- Farm Bureau Financial Services: $1,038 per year, or about $87 per month.
- Auto Club Group: $1,146 per year, or about $96 per month.
- Nationwide: $1,274 per year, or about $106 per month.
- Auto-Owners: $1,301 per year, or about $108 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:
- Westfield: $286 per year, or about $24 per month.
- North Star: $302 per year, or about $25 per month.
- Auto Club Group: $306 per year, or about $26 per month.
- Western National: $322 per year, or about $27 per month.
- Farm Bureau Financial Services: $345 per year, or about $29 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:
- Nationwide: $1,891 per year, or about $158 per month.
- American Family: $1,893 per year, or about $158 per month.
- Farm Bureau Financial Services: $2,139 per year, or about $178 per month.
- Geico: $2,517 per year, or about $210 per month.
- Auto Club Group: $2,567 per year, or about $214 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:
- Western National: $322 per year, or about $27 per month.
- Westfield: $340 per year, or about $28 per month.
- North Star: $344 per year, or about $29 per month.
- Farm Bureau Financial Services: $388 per year, or about $32 per month.
- American Family: $469 per year, or about $39 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:
- Farm Bureau Financial Services: $1,386 per year, or about $116 per month.
- Western National: $1,430 per year, or about $119 per month.
- Auto-Owners: $1,606 per year, or about $134 per month.
- Travelers: $1,860 per year, or about $155 per month.
- American Family: $1,945 per year, or about $162 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.
- Western National: $1,430 per year, or about $119 per month.
- American Family: $1,752 per year, or about $146 per month.
- Farm Bureau Financial Services: $2,061 per year, or about $172 per month.
- Travelers: $2,206 per year, or about $184 per month.
- Auto-Owners: $2,292 per year, or about $191 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:
- Farm Bureau Financial Services: $879 per year, or about $73 per month.
- American Family: $909 per year, or about $76 per month.
- Auto Club Group: $1,079 per year, or about $90 per month.
- Nationwide: $1,194 per year, or about $99 per month.
- Auto-Owners: $1,219 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:
- North Star: $266 per year, or about $22 per month.
- Westfield: $277 per year, or about $23 per month.
- Farm Bureau Financial Services: $282 per year, or about $24 per month.
- Western National: $290 per year, or about $24 per month.
- Auto Club Group: $300 per year, or about $25 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:
- American Family: $1,731 per year, or about $144 per month.
- Nationwide: $1,764 per year, or about $147 per month.
- Farm Bureau Financial Services: $1,797 per year, or about $150 per month.
- Geico: $2,384 per year, or about $199 per month.
- Auto Club Group: $2,427 per year, or about $202 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:
- Western National: $290 per year, or about $24 per month.
- North Star: $302 per year, or about $25 per month.
- Farm Bureau Financial Services: $318 per year, or about $27 per month.
- Westfield: $330 per year, or about $28 per month.
- American Family: $441 per year, or about $37 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:
- Farm Bureau Financial Services: $1,172 per year, or about $98 per month.
- Western National: $1,294 per year, or about $108 per month.
- Auto-Owners: $1,501 per year, or about $125 per month.
- Travelers: $1,771 per year, or about $148 per month.
- American Family: $1,823 per year, or about $152 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.
- Western National: $1,294 per year, or about $108 per month.
- American Family: $1,592 per year, or about $133 per month.
- Farm Bureau Financial Services: $1,742 per year, or about $145 per month.
- Farmers Union: $2,040 per year, or about $170 per month.
- Travelers: $2,096 per year, or about $175 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:
- Farm Bureau Financial Services: $876 per year, or about $73 per month.
- American Family: $889 per year, or about $74 per month.
- Auto Club Group: $1,002 per year, or about $84 per month.
- Nationwide: $1,095 per year, or about $91 per month.
- Auto-Owners: $1,138 per year, or about $95 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:
- North Star: $266 per year, or about $22 per month.
- Auto Club Group: $284 per year, or about $24 per month.
- Farm Bureau Financial Services: $289 per year, or about $24 per month.
- Western National: $290 per year, or about $24 per month.
- Westfield: $300 per year, or about $25 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:
- Nationwide: $1,613 per year, or about $134 per month.
- American Family: $1,697 per year, or about $141 per month.
- Farm Bureau Financial Services: $1,794 per year, or about $150 per month.
- Chubb: $2,203 per year, or about $184 per month.
- Auto Club Group: $2,250 per year, or about $188 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:
- Western National: $290 per year, or about $24 per month.
- North Star: $302 per year, or about $25 per month.
- Farm Bureau Financial Services: $326 per year, or about $27 per month.
- Westfield: $357 per year, or about $30 per month.
- Chubb: $435 per year, or about $36 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:
- Farm Bureau Financial Services: $1,168 per year, or about $97 per month.
- Western National: $1,294 per year, or about $108 per month.
- Auto-Owners: $1,404 per year, or about $117 per month.
- Travelers: $1,666 per year, or about $139 per month.
- Nationwide: $1,727 per year, or about $144 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.
- Western National: $1,294 per year, or about $108 per month.
- American Family: $1,565 per year, or about $130 per month.
- Farm Bureau Financial Services: $1,736 per year, or about $145 per month.
- Farmers Union: $1,922 per year, or about $160 per month.
- Travelers: $1,968 per year, or about $164 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:
- Farm Bureau Financial Services: $904 per year, or about $75 per month.
- American Family: $937 per year, or about $78 per month.
- Auto Club Group: $1,102 per year, or about $92 per month.
- Nationwide: $1,160 per year, or about $97 per month.
- Travelers: $1,190 per year, or about $99 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:
- North Star: $256 per year, or about $21 per month.
- Western National: $314 per year, or about $26 per month.
- Auto Club Group: $342 per year, or about $29 per month.
- Farm Bureau Financial Services: $342 per year, or about $29 per month.
- Allstate: $343 per year, or about $29 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:
- Nationwide: $1,703 per year, or about $142 per month.
- American Family: $1,803 per year, or about $150 per month.
- Farm Bureau Financial Services: $1,878 per year, or about $156 per month.
- Chubb: $2,260 per year, or about $188 per month.
- Farmers Union: $2,299 per year, or about $192 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:
- North Star: $288 per year, or about $24 per month.
- Western National: $314 per year, or about $26 per month.
- Farm Bureau Financial Services: $385 per year, or about $32 per month.
- Westfield: $434 per year, or about $36 per month.
- Chubb: $448 per year, or about $37 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:
- Farm Bureau Financial Services: $1,206 per year, or about $101 per month.
- Western National: $1,414 per year, or about $118 per month.
- Auto-Owners: $1,537 per year, or about $128 per month.
- Travelers: $1,789 per year, or about $149 per month.
- Nationwide: $1,824 per year, or about $152 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.
- Western National: $1,414 per year, or about $118 per month.
- American Family: $1,655 per year, or about $138 per month.
- Farm Bureau Financial Services: $1,793 per year, or about $149 per month.
- Farmers Union: $2,016 per year, or about $168 per month.
- State Farm: $2,112 per year, or about $176 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 27 of the 70 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.
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 2021 Toyota Camry LE 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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