Best Car Insurance in Minnesota for 2024

Minnesota is the Land of 10,000 Lakes — 11,842 to be precise — and famous sites like the Mall of America, Paul Bunyan Land, and the North Shore Scenic Byway. With so much to do, a road trip through The North Star State is an adventure. Thankfully, car insurance in Minnesota is relatively affordable compared to other states, making road trips more accessible than ever.

Key takeaways

• The best car insurance in Minnesota by customer satisfaction is USAA, which costs an average of $1,044 a year for comprehensive coverage.
• Drivers with a clean driving record pay an average of $115 monthly in Minnesota.
• Since Minnesota is a no-fault state, drivers’ insurance obligations are more comprehensive than in some states.

Best car insurance companies in Minnesota

Minnesota drivers pay an average of $1,391 annually for full coverage car insurance and $698 for the state’s minimum coverage. State Farm had the cheapest average full coverage, but USAA offered the best prices on minimum liability insurance. Allstate had the highest annual full coverage, but Progressive was the most expensive minimum insurance.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	890/1,000	$1,044/year	$384/year
American Family	837/1,000	$1,215/year	$630/year
State Farm	833/1,000	$1,022/year	$476/year
Auto-Owners	829/1,000	$1,407/year	$420/year
GEICO	819/1,000	$1,500/year	$636/year
Allstate	806/1,000	$1,908/year	$973/year
Progressive	803/1,000	$1,141/year	$1,081/year

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in Minnesota. While it has the cheapest minimum coverage, it is not the state’s most affordable full coverage provider. USAA offers a good mix of standard coverages if you qualify, but policies are only available to current and former military members and their families.

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm is the most affordable full coverage car insurance in Minnesota. Customers pay an average of $1,022 yearly for full coverage, but its minimum coverage costs an average of $476 annually, only the third-lowest. State Farm also earned the third-highest customer satisfaction score on our list of the best car insurance.

Get a quote now | State Farm review

Auto-Owners: Best budget pick

Auto-Owners is a mutual insurance company providing auto, life, and property policies. Its insurance is available in 26 states, including Minnesota, and Auto-Owners only provides policies through independent agents. Although its full coverage is more expensive, averaging $1,407 a year, it had the cheapest minimum coverage available to everyone in Minnesota, averaging $420 annually.

Get a quote now | Auto-Owners review

Allstate: Best for coverage options

Allstate’s full coverage insurance is the most expensive in Minnesota, costing a yearly average of $1,908. It also had the second-highest price for minimum car insurance, averaging $973 a year. Despite its higher cost, its coverage options and extensive discounts, like a vanishing deductible, could make it a good option for some people.

Get a quote now | Allstate review

Progressive: Best for high-risk drivers

High-risk drivers in Minnesota pay an average of $2,046 yearly for car insurance. Drivers with DUIs, multiple speeding tickets, or at-fault accidents may want to look at Progressive since it offers high-risk policies and will file SR-22 forms. It also had the third-lowest full coverage price in Minnesota, averaging $1,141 annually.

Get a quote now | Progressive review

Minnesota auto insurance requirements

Just like other states in the country, Minnesota requires drivers to carry insurance. However, Minnesota is a no-fault state, so drivers must have more extensive coverage than in other states.

To drive legally in Minnesota, you must have:

• $40,000 personal injury protection (PIP) per person per accident
• $30,000 bodily injury protection for one person
• $60,000 bodily injury protection for two or more people
• $10,000 property damage coverage
• $25,000 uninsured/underinsured motorist protection for one person
• $50,000 uninsured/underinsured motorist protection for two or more people

How to choose a car insurance provider in Minnesota

If you’re researching a new car insurance provider, consider the following tips to ensure you get the right coverage at the right price.

• Check financial stability: Before starting a policy, check the company’s financial stability on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Minnesota Department of Commerce or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Minnesota.
• Compare quotes: Get quotes from at least three companies and compare them to ensure policy amounts, coverage options, and discounts are similar. Make sure the policy types and amounts match your current insurance for an accurate comparison.
• Check reviews: Ask friends and family for recommendations and check review websites like the Better Business Bureau to see what existing customers say.

How much does car insurance cost in Minnesota?

The average cost of car insurance in Minnesota is $1,391 a year for full coverage, compared to the national average of $1,582. Minimum coverage in Minnesota costs an average of $698 annually.

Drivers in Minneapolis are likely to pay the most ($1,844 per year for full coverage), well above the state average. Drivers in Rochester are likely to pay the least, an average of $1,394 yearly.

Minnesota car insurance rates by city

There are several factors that can impact the cost of your insurance, such as your age, driving history, and credit score. Additionally, the population of your city can also play a role in higher rates, as more people on the road tend to lead to more accidents. 

For example, Brooklyn Park, with a population of 84,526, is the sixth-largest community in Minnesota, according to NeighborhoodScout. Residents pay an average of $1,818 yearly for full coverage car insurance. On the other hand, Saint Cloud has a population of 68,818 (making it the 12th largest community in Minnesota), and residents spend an average of $1,758 annually on full coverage.

City	Avg. annual full-coverage premium
Minneapolis	$1,844/year
Brooklyn Park	$1,818/year
Bloomington	$1,656/year
Woodbury	$1,616/year
Saint Cloud	$1,549/year
Rochester	$1,394/year

Methodology

FAQs about car insurance costs in Minnesota