Cheapest Car Insurance in Minnesota (2026)
Travelers has Minnesota’s cheapest full coverage car insurance, at $106 per month. State Farm has the most affordable liability insurance, at $43 per month.
Best cheap car insurance in Minnesota
Cheapest full coverage car insurance in Minnesota: Travelers
Minnesota’s cheapest full coverage car insurance comes from Travelers, which offers an average rate of $106 per month. State Farm has the second-cheapest rates for full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. , at $124 per month.
Auto-Owners and Western National also charge less than the state average of $194 per month. The average quote from Auto-Owners is $147 per month, while Western National’s is $191.
Full coverage auto insurance rates
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $106 |  |
 | State Farm | $124 | |
 | Auto-Owners | $147 |  |
 | Western National | $191 |  |
 | AAA | $219 | |
 | North Star Mutual | $236 |  |
 | Geico | $254 | |
 | Allstate | $257 |  |
 | Farmers | $286 | |
 | USAA* | $118 |  |
Both State Farm and Auto-Owners have better J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. customer satisfaction scores than Travelers. This generally means their customers are happier about factors like price, coverage options and service.
Minnesota’s cheapest liability insurance: State Farm
State Farm has the cheapest liability insurance for most Minnesota drivers, with rates that average $43 per month. This is $25 less than the state average of $68 per month.
USAA is even cheaper for liability coverage Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. , at $36 per month. But only active or retired military and their families can buy a policy from USAA.
Liability auto insurance rates
| Company | Monthly rate |
|---|---|
| State Farm | $43 |
| Travelers | $48 |
| Auto-Owners | $50 |
| North Star Mutual | $50 |
| Western National | $61 |
| AAA | $62 |
| Geico | $95 |
| Allstate | $116 |
| Farmers | $118 |
| USAA* | $36 |
Travelers is the second-cheapest company for most of the state’s drivers. Its average liability rate is $48 per month. Auto-Owners and North Star Mutual are only a few dollars more, at $50 per month each.
To find out which of these companies is the cheapest for you, compare car insurance quotes from each of them before you renew or buy a policy.
Cheap car insurance for teens in Minnesota: North Star Mutual
Most Minnesotans get the cheapest teen car insurance from North Star Mutual and Travelers.
North Star Mutual has the cheapest liability rates for most of the state’s teen drivers, at $108 per month. Travelers has the cheapest full coverage rates for teens, at $250 per month.
Monthly car insurance rates for teen drivers
| Company | Minimum | Full |
|---|---|---|
| North Star Mutual | $108 | $490 |
| Travelers | $110 | $250 |
| Auto-Owners | $119 | $313 |
| State Farm | $121 | $317 |
| Western National | $174 | $549 |
| AAA | $230 | $660 |
| Allstate | $247 | $486 |
| Geico | $332 | $833 |
| Farmers | $592 | $1,066 |
| USAA* | $81 | $256 |
Travelers is nearly as cheap as North Star Mutual for teen liability, with an average rate of $110 per month.
For full coverage, Auto-Owners and State Farm come after Travelers. Both companies have average rates that are more than $60 per month higher than Travelers, however.
Usage-based insurance (UBI) programs can help make car insurance more affordable for teen drivers. Most of these programs use an app to monitor your driving. Many give you a discount if you drive safely.
Some car insurance companies that offer UBI programs:
- Allstate
- Farmers
- Geico
- State Farm
- Travelers
- USAA
It’s important to read the fine print for any program you choose. Some raise your rates for unsafe driving.
Best Minnesota car insurance quotes after a speeding ticket: State Farm
State Farm and Travelers have the cheapest auto insurance in Minnesota for drivers with a speeding ticket on their records. State Farm is the cheaper of the two companies, at $132 per month, but Travelers is only $2 more.
Car insurance rates with a speeding ticket
| Company | Monthly rate |
|---|---|
| State Farm | $132 |
| Travelers | $134 |
| Auto-Owners | $147 |
| Western National | $191 |
| North Star Mutual | $236 |
| Geico | $329 |
| Farmers | $357 |
| Allstate | $368 |
| AAA | $372 |
| USAA* | $145 |
With State Farm and Travelers being so close in cost, the cheapest for you may be the one that gives you more car insurance discounts.
Both companies offer the most common discounts for insuring more than one vehicle or having multiple policies with them. But only State Farm offers discounts for vehicles with anti-theft or safety features. And you can only get discounts for new cars or hybrid and electric vehicles from Travelers.
The average cost of car insurance after a speeding ticket in Minnesota is $241 per month. That’s almost $50 per month more than what drivers with a clean record pay for the same coverage.
Minnesota’s cheapest car insurance after an accident: State Farm
With an average rate of $141 per month, State Farm is Minnesota’s cheapest company for car insurance after an accident. Travelers is a close second, at $145 per month.
Car insurance rates after an accident
| Company | Monthly rate |
|---|---|
| State Farm | $141 |
| Travelers | $145 |
| Auto-Owners | $179 |
| Western National | $191 |
| AAA | $397 |
| North Star Mutual | $404 |
| Farmers | $424 |
| Allstate | $430 |
| Geico | $495 |
| USAA* | $163 |
An average driver in Minnesota pays $297 per month for car insurance after an at-fault accident. This is a little over $100 per month more than what drivers with clean records pay.
Accident forgiveness Accident forgiveness prevents your first accident from making your rates go up. You have to add it to your policy before you crash. can help you avoid this rate increase at least once. State Farm doesn’t offer accident forgiveness, but Travelers does.
Best MN auto insurance for teens with bad driving records: Auto-Owners
Auto-Owners is the cheapest auto insurance company in Minnesota for teens with a speeding ticket on their records. Its average rate for these drivers is $119 per month.
State Farm has the lowest rates for most teen drivers who have an accident on their records, at $147 per month.
Monthly car insurance rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $119 | $164 |
| State Farm | $134 | $147 |
| Travelers | $136 | $156 |
| North Star Mutual | $162 | $162 |
| Western National | $174 | $174 |
| AAA | $330 | $350 |
| Allstate | $379 | $458 |
| Geico | $388 | $438 |
| Farmers | $751 | $757 |
| USAA* | $123 | $140 |
Travelers and North Star Mutual have the next-cheapest average rates for Minnesota teens after an accident. Travelers charges $156 per month, while North Star Mutual charges $162.
State Farm and Travelers come in second and third for teens with a ticket. Their average rates are $134 and $136 per month, respectively.
Cheap car insurance for Minnesota drivers with a DWI: Travelers
At $166 per month, Travelers has the cheapest DUI insurance quotes for Minnesota drivers. That’s less than half the state average of $433 per month for drivers with a DUI or DWI (driving while intoxicated) conviction.
Auto insurance rates after a DWI
| Company | Monthly rate |
|---|---|
| Travelers | $166 |
| Western National | $191 |
| Auto-Owners | $252 |
| State Farm | $252 |
| Farmers | $431 |
| Allstate | $446 |
| North Star Mutual | $673 |
| AAA | $799 |
| Geico | $903 |
| USAA* | $216 |
Western National has the state’s second-cheapest car insurance for drivers with a DUI or DWI, at $191 per month. Auto-Owners and State Farm are next, each with an average rate of $252 per month.
In Minnesota, the average driver with a DWI pays nearly $240 per month more for car insurance than drivers with clean records.
Cheapest auto insurance in Minnesota for drivers with bad credit: Travelers
Travelers has Minnesota’s cheapest car insurance for drivers with bad credit, at $294 per month.
Geico is the second-cheapest company for these drivers, with an average rate of $364 per month.
Auto insurance rates for bad credit
| Company | Monthly rate |
|---|---|
| Travelers | $294 |
| Geico | $364 |
| North Star Mutual | $391 |
| Auto-Owners | $442 |
| Western National | $465 |
| Allstate | $482 |
| AAA | $525 |
| Farmers | $527 |
| State Farm | $834 |
| USAA* | $282 |
The average cost of auto insurance in Minnesota for drivers with bad credit is $461 per month. North Star Mutual and Auto-Owners also come in cheaper than this amount.
Minnesota drivers with poor credit pay more than double what drivers with good credit pay for car insurance. You can usually improve your credit by paying down debt and avoiding late payments.
Best insurance companies in Minnesota
State Farm and Travelers are the best car insurance companies in Minnesota.
State Farm has the state’s cheapest insurance rates for liability coverage. It also has the lowest rates for drivers with a speeding ticket or accident on their records. On top of that, State Farm has a great J.D. Power customer satisfaction score.
Travelers has Minnesota’s cheapest full coverage rates. It also has the state’s most affordable rates for drivers with bad credit or a DUI. Travelers offers many discount and coverage options, too, including accident forgiveness, roadside assistance Helps cover the costs of emergency roadside services like towing, tire changes, jump-starts and lock-out assistance. and loan/lease gap insurance Loan or lease gap coverage can help pay off a car loan or lease if your vehicle is stolen or totaled. .
Car insurance company ratings
| Company | LendingTree | J.D. Power | AM Best |
|---|---|---|---|
| AAA | | 652 | A+ |
| Allstate | | 635 | A+ |
| Auto-Owners | | 638 | A+ |
| Farmers | | 622 | A |
| Geico | | 645 | A++ |
| North Star Mutual | | Not rated | A+ |
| State Farm | | 650 | A++ |
| Travelers | | 613 | A++ |
| USAA* | | 735 | A++ |
| Western National | | Not rated | A+ |
Minnesota car insurance rates by city
Minnesota’s cheapest city for car insurance is Mankato, where rates average $155 per month.
Minneapolis is home to the state’s most expensive car insurance rates, at $231 per month.
Car insurance rates near you
| City | Monthly rate | % from average |
|---|---|---|
| Ada | $178 | -8% |
| Adams | $167 | -14% |
| Adolph | $185 | -5% |
| Adrian | $164 | -16% |
| Afton | $189 | -2% |
| Ah Gwah Ching | $202 | 4% |
| Aitkin | $193 | 0% |
| Akeley | $199 | 3% |
| Albany | $186 | -4% |
| Albert Lea | $158 | -18% |
| Alberta | $170 | -12% |
| Albertville | $182 | -6% |
| Alborn | $202 | 4% |
| Alden | $160 | -17% |
| Aldrich | $201 | 4% |
| Alexandria | $172 | -11% |
| Almelund | $201 | 4% |
| Alpha | $165 | -15% |
| Altura | $172 | -11% |
| Alvarado | $177 | -9% |
| Amboy | $165 | -15% |
| Andover | $191 | -1% |
| Angle Inlet | $180 | -7% |
| Angora | $192 | -1% |
| Annandale | $189 | -3% |
| Anoka | $193 | 0% |
| Apple Valley | $186 | -4% |
| Appleton | $172 | -11% |
| Arco | $170 | -12% |
| Arden Hills | $195 | 1% |
| Argyle | $180 | -7% |
| Arlington | $171 | -12% |
| Arnold | $178 | -8% |
| Ashby | $178 | -8% |
| Askov | $193 | 0% |
| Atwater | $176 | -9% |
| Audubon | $179 | -8% |
| Aurora | $190 | -2% |
| Austin | $164 | -15% |
| Avoca | $171 | -12% |
| Avon | $179 | -8% |
| Babbitt | $191 | -2% |
| Backus | $200 | 3% |
| Badger | $184 | -5% |
| Bagley | $197 | 2% |
| Balaton | $168 | -13% |
| Barnesville | $177 | -9% |
| Barnum | $189 | -2% |
| Barrett | $175 | -10% |
| Barry | $174 | -10% |
| Battle Lake | $181 | -7% |
| Baudette | $186 | -4% |
| Baxter | $194 | 0% |
| Bayport | $188 | -3% |
| Beardsley | $173 | -11% |
| Beaver Creek | $166 | -14% |
| Becker | $186 | -4% |
| Bejou | $193 | -1% |
| Belgrade | $179 | -7% |
| Belle Plaine | $180 | -7% |
| Bellingham | $170 | -12% |
| Beltrami | $174 | -10% |
| Belview | $167 | -14% |
| Bemidji | $190 | -2% |
| Bena | $202 | 4% |
| Benedict | $202 | 4% |
| Benson | $171 | -12% |
| Bertha | $200 | 3% |
| Bethel | $195 | 1% |
| Big Falls | $189 | -3% |
| Big Lake | $186 | -4% |
| Bigelow | $164 | -15% |
| Bigfork | $194 | 0% |
| Bingham Lake | $173 | -11% |
| Birchdale | $195 | 1% |
| Birchwood Village | $186 | -4% |
| Bird Island | $171 | -12% |
| Biwabik | $189 | -2% |
| Blackduck | $202 | 4% |
| Blaine | $199 | 3% |
| Blomkest | $169 | -13% |
| Blooming Prairie | $161 | -17% |
| Bloomington | $196 | 1% |
| Blue Earth | $162 | -17% |
| Bluffton | $188 | -3% |
| Bock | $193 | 0% |
| Borup | $178 | -8% |
| Bovey | $186 | -4% |
| Bowlus | $199 | 3% |
| Bowstring | $206 | 6% |
| Boyd | $170 | -12% |
| Braham | $197 | 2% |
| Brainerd | $196 | 1% |
| Brandon | $177 | -8% |
| Breckenridge | $174 | -10% |
| Breezy Point | $195 | 0% |
| Brewster | $165 | -15% |
| Bricelyn | $163 | -16% |
| Brimson | $202 | 4% |
| Britt | $191 | -1% |
| Brook Park | $196 | 1% |
| Brooklyn Center | $226 | 17% |
| Brooklyn Park | $214 | 10% |
| Brooks | $180 | -7% |
| Brookston | $194 | 0% |
| Brooten | $182 | -6% |
| Browerville | $201 | 4% |
| Browns Valley | $178 | -8% |
| Brownsdale | $163 | -16% |
| Brownsville | $171 | -12% |
| Brownton | $170 | -12% |
| Bruno | $196 | 1% |
| Buffalo | $184 | -5% |
| Buffalo Lake | $170 | -12% |
| Buhl | $191 | -1% |
| Burnsville | $184 | -5% |
| Burtrum | $199 | 3% |
| Butterfield | $161 | -17% |
| Byron | $165 | -15% |
| Caledonia | $172 | -11% |
| Callaway | $183 | -6% |
| Calumet | $189 | -2% |
| Cambridge | $199 | 3% |
| Campbell | $171 | -12% |
| Canby | $168 | -13% |
| Cannon Falls | $182 | -6% |
| Canton | $179 | -8% |
| Canyon | $201 | 4% |
| Carlos | $179 | -8% |
| Carlton | $183 | -6% |
| Carver | $176 | -9% |
| Cass Lake | $197 | 2% |
| Cedar | $195 | 1% |
| Center City | $197 | 2% |
| Centerville | $196 | 1% |
| Ceylon | $164 | -15% |
| Champlin | $190 | -2% |
| Chandler | $167 | -14% |
| Chanhassen | $179 | -7% |
| Chaska | $180 | -7% |
| Chatfield | $171 | -12% |
| Chisago City | $196 | 1% |
| Chisholm | $184 | -5% |
| Chokio | $174 | -10% |
| Circle Pines | $194 | 0% |
| Clara City | $171 | -12% |
| Claremont | $168 | -13% |
| Clarissa | $200 | 3% |
| Clarkfield | $164 | -15% |
| Clarks Grove | $161 | -17% |
| Clear Lake | $187 | -3% |
| Clearbrook | $199 | 3% |
| Clearwater | $185 | -5% |
| Clements | $169 | -13% |
| Cleveland | $168 | -13% |
| Climax | $175 | -10% |
| Clinton | $171 | -12% |
| Clitherall | $182 | -6% |
| Clontarf | $167 | -14% |
| Cloquet | $185 | -4% |
| Cohasset | $184 | -5% |
| Cokato | $185 | -4% |
| Cold Spring | $181 | -7% |
| Coleraine | $180 | -7% |
| Cologne | $176 | -9% |
| Columbia Heights | $219 | 13% |
| Columbus | $197 | 1% |
| Comfrey | $163 | -16% |
| Comstock | $171 | -12% |
| Conger | $167 | -14% |
| Cook | $195 | 1% |
| Coon Rapids | $197 | 1% |
| Corcoran | $180 | -7% |
| Correll | $180 | -7% |
| Cosmos | $174 | -10% |
| Cottage Grove | $185 | -4% |
| Cotton | $201 | 4% |
| Cottonwood | $166 | -14% |
| Courtland | $163 | -16% |
| Crane Lake | $193 | 0% |
| Cromwell | $195 | 1% |
| Crookston | $179 | -7% |
| Crosby | $194 | 0% |
| Crosslake | $197 | 2% |
| Crystal | $205 | 6% |
| Crystal Bay | $186 | -4% |
| Currie | $170 | -12% |
| Cushing | $204 | 5% |
| Cyrus | $173 | -11% |
| Dakota | $167 | -14% |
| Dalbo | $199 | 3% |
| Dalton | $173 | -11% |
| Danube | $167 | -14% |
| Danvers | $168 | -13% |
| Darfur | $163 | -16% |
| Darwin | $176 | -9% |
| Dassel | $178 | -8% |
| Dawson | $167 | -14% |
| Dayton | $182 | -6% |
| Deephaven | $182 | -6% |
| Deer Creek | $185 | -5% |
| Deer River | $191 | -1% |
| Deerwood | $193 | 0% |
| Delano | $184 | -5% |
| Delavan | $166 | -14% |
| Dellwood | $190 | -2% |
| Dennison | $176 | -9% |
| Dent | $179 | -7% |
| Detroit Lakes | $175 | -10% |
| Dexter | $169 | -13% |
| Dilworth | $167 | -14% |
| Dodge Center | $168 | -13% |
| Donaldson | $185 | -5% |
| Donnelly | $169 | -13% |
| Dover | $169 | -13% |
| Dovray | $167 | -14% |
| Duluth | $176 | -9% |
| Dumont | $177 | -9% |
| Dundas | $171 | -12% |
| Dunnell | $161 | -17% |
| Eagan | $188 | -3% |
| Eagle Bend | $198 | 2% |
| Eagle Lake | $165 | -15% |
| East Bethel | $196 | 1% |
| East Grand Forks | $172 | -11% |
| East Gull Lake | $198 | 2% |
| Easton | $160 | -18% |
| Echo | $177 | -9% |
| Eden Prairie | $182 | -6% |
| Eden Valley | $182 | -6% |
| Edgerton | $169 | -13% |
| Edina | $195 | 0% |
| Effie | $192 | -1% |
| Eitzen | $172 | -11% |
| Elbow Lake | $179 | -8% |
| Elgin | $170 | -12% |
| Elizabeth | $172 | -11% |
| Elk River | $191 | -1% |
| Elko New Market | $182 | -6% |
| Elkton | $171 | -12% |
| Ellendale | $160 | -17% |
| Ellsworth | $168 | -13% |
| Elmore | $157 | -19% |
| Elrosa | $177 | -9% |
| Ely | $192 | -1% |
| Elysian | $173 | -11% |
| Embarrass | $193 | 0% |
| Emily | $197 | 2% |
| Emmons | $164 | -16% |
| Erhard | $178 | -8% |
| Erskine | $185 | -5% |
| Esko | $181 | -7% |
| Essig | $167 | -14% |
| Euclid | $181 | -7% |
| Evansville | $179 | -8% |
| Eveleth | $188 | -3% |
| Excelsior | $182 | -6% |
| Eyota | $165 | -15% |
| Fairfax | $165 | -15% |
| Fairmont | $160 | -17% |
| Falcon Heights | $216 | 12% |
| Faribault | $176 | -9% |
| Farmington | $181 | -6% |
| Farwell | $177 | -8% |
| Federal Dam | $205 | 6% |
| Felton | $182 | -6% |
| Fergus Falls | $171 | -11% |
| Fertile | $180 | -7% |
| Fifty Lakes | $197 | 1% |
| Finland | $195 | 0% |
| Finlayson | $196 | 1% |
| Fisher | $175 | -10% |
| Flensburg | $198 | 2% |
| Flom | $184 | -5% |
| Floodwood | $198 | 2% |
| Foley | $191 | -2% |
| Forbes | $192 | -1% |
| Forest Lake | $195 | 1% |
| Foreston | $195 | 1% |
| Fort Ripley | $198 | 2% |
| Fosston | $189 | -2% |
| Fountain | $177 | -9% |
| Foxhome | $177 | -9% |
| Franklin | $166 | -14% |
| Frazee | $179 | -8% |
| Freeborn | $164 | -15% |
| Freeport | $185 | -5% |
| Fridley | $213 | 10% |
| Frontenac | $169 | -13% |
| Frost | $162 | -16% |
| Fulda | $169 | -13% |
| Garden City | $169 | -13% |
| Garfield | $172 | -11% |
| Garrison | $200 | 3% |
| Garvin | $167 | -14% |
| Gary | $185 | -4% |
| Gatzke | $192 | -1% |
| Gaylord | $166 | -14% |
| Genola | $203 | 5% |
| Georgetown | $175 | -10% |
| Ghent | $165 | -15% |
| Gibbon | $165 | -15% |
| Gilbert | $189 | -3% |
| Gilman | $191 | -1% |
| Glencoe | $172 | -11% |
| Glenville | $160 | -18% |
| Glenwood | $173 | -10% |
| Glyndon | $171 | -12% |
| Golden Valley | $200 | 3% |
| Gonvick | $197 | 2% |
| Good Thunder | $169 | -13% |
| Goodhue | $174 | -10% |
| Goodland | $189 | -2% |
| Goodridge | $187 | -3% |
| Goodview | $164 | -15% |
| Graceville | $177 | -9% |
| Granada | $160 | -17% |
| Grand Marais | $189 | -3% |
| Grand Meadow | $171 | -12% |
| Grand Portage | $190 | -2% |
| Grand Rapids | $178 | -8% |
| Grandy | $203 | 5% |
| Granite Falls | $169 | -13% |
| Grant | $190 | -2% |
| Grasston | $194 | 0% |
| Green Isle | $174 | -10% |
| Greenbush | $185 | -4% |
| Greenfield | $184 | -5% |
| Greenwald | $181 | -7% |
| Greenwood | $182 | -6% |
| Grey Eagle | $197 | 2% |
| Grove City | $178 | -8% |
| Grygla | $192 | -1% |
| Gully | $186 | -4% |
| Hackensack | $202 | 4% |
| Hallock | $192 | -1% |
| Halma | $183 | -6% |
| Halstad | $179 | -8% |
| Ham Lake | $192 | -1% |
| Hamburg | $180 | -7% |
| Hamel | $188 | -3% |
| Hampton | $185 | -5% |
| Hancock | $169 | -13% |
| Hanley Falls | $169 | -13% |
| Hanover | $183 | -5% |
| Hanska | $160 | -17% |
| Hardwick | $170 | -12% |
| Harmony | $171 | -12% |
| Harris | $199 | 3% |
| Hartland | $163 | -16% |
| Hastings | $184 | -5% |
| Hawley | $175 | -10% |
| Hayfield | $169 | -13% |
| Hayward | $160 | -18% |
| Hector | $174 | -10% |
| Henderson | $173 | -11% |
| Hendricks | $173 | -11% |
| Hendrum | $175 | -10% |
| Henning | $184 | -5% |
| Henriette | $193 | 0% |
| Herman | $175 | -10% |
| Hermantown | $176 | -9% |
| Heron Lake | $166 | -14% |
| Hewitt | $198 | 2% |
| Hibbing | $180 | -7% |
| Hill City | $192 | -1% |
| Hillman | $208 | 7% |
| Hills | $171 | -12% |
| Hilltop | $219 | 13% |
| Hinckley | $194 | 0% |
| Hines | $199 | 3% |
| Hitterdal | $184 | -5% |
| Hoffman | $172 | -11% |
| Hokah | $169 | -13% |
| Holdingford | $185 | -5% |
| Holland | $168 | -13% |
| Hollandale | $166 | -14% |
| Holloway | $169 | -13% |
| Holmes City | $182 | -6% |
| Holyoke | $199 | 3% |
| Hopkins | $193 | 0% |
| Houston | $171 | -12% |
| Hovland | $192 | -1% |
| Howard Lake | $186 | -4% |
| Hoyt Lakes | $192 | -1% |
| Hugo | $192 | -1% |
| Humboldt | $180 | -7% |
| Huntley | $167 | -14% |
| Hutchinson | $167 | -14% |
| Ihlen | $164 | -16% |
| Independence | $183 | -5% |
| International Falls | $181 | -7% |
| Inver Grove Heights | $187 | -4% |
| Iona | $172 | -11% |
| Iron | $189 | -3% |
| Ironton | $193 | -1% |
| Isabella | $200 | 3% |
| Isanti | $199 | 3% |
| Isle | $195 | 0% |
| Ivanhoe | $169 | -13% |
| Jackson | $166 | -14% |
| Jacobson | $194 | 0% |
| Janesville | $162 | -16% |
| Jasper | $165 | -15% |
| Jeffers | $167 | -14% |
| Jenkins | $196 | 1% |
| Jordan | $183 | -6% |
| Kabetogama | $187 | -3% |
| Kanaranzi | $168 | -13% |
| Kandiyohi | $173 | -11% |
| Karlstad | $184 | -5% |
| Kasota | $166 | -14% |
| Kasson | $166 | -14% |
| Keewatin | $185 | -5% |
| Kelliher | $202 | 4% |
| Kellogg | $174 | -10% |
| Kennedy | $182 | -6% |
| Kenneth | $163 | -16% |
| Kensington | $176 | -9% |
| Kent | $173 | -11% |
| Kenyon | $177 | -9% |
| Kerkhoven | $176 | -9% |
| Kerrick | $192 | -1% |
| Kettle River | $189 | -3% |
| Kiester | $161 | -17% |
| Kilkenny | $176 | -9% |
| Kimball | $186 | -4% |
| Kinney | $193 | 0% |
| Knife River | $196 | 1% |
| La Crescent | $168 | -13% |
| La Salle | $162 | -16% |
| Lafayette | $159 | -18% |
| Lake Benton | $169 | -13% |
| Lake Bronson | $185 | -5% |
| Lake City | $174 | -10% |
| Lake Crystal | $166 | -14% |
| Lake Elmo | $193 | 0% |
| Lake George | $213 | 10% |
| Lake Hubert | $201 | 4% |
| Lake Lillian | $174 | -10% |
| Lake Park | $177 | -9% |
| Lake Shore | $199 | 3% |
| Lake St. Croix Beach | $185 | -4% |
| Lake Wilson | $166 | -14% |
| Lakefield | $167 | -14% |
| Lakeland | $186 | -4% |
| Lakeville | $182 | -6% |
| Lamberton | $165 | -15% |
| Lancaster | $184 | -5% |
| Lanesboro | $173 | -11% |
| Laporte | $202 | 4% |
| Lastrup | $204 | 5% |
| Lauderdale | $217 | 12% |
| Le Center | $171 | -12% |
| Le Roy | $170 | -12% |
| Le Sueur | $171 | -12% |
| Lengby | $191 | -2% |
| Leonard | $199 | 3% |
| Leota | $173 | -11% |
| Lester Prairie | $175 | -10% |
| Lewiston | $173 | -11% |
| Lewisville | $161 | -17% |
| Lexington | $193 | 0% |
| Lilydale | $192 | -1% |
| Lindstrom | $195 | 1% |
| Lino Lakes | $195 | 1% |
| Lismore | $168 | -13% |
| Litchfield | $176 | -9% |
| Little Canada | $222 | 15% |
| Little Falls | $195 | 1% |
| Little Rock | $201 | 4% |
| Littlefork | $187 | -4% |
| Loman | $194 | 0% |
| Long Lake | $183 | -6% |
| Long Prairie | $195 | 1% |
| Longville | $199 | 3% |
| Lonsdale | $181 | -7% |
| Loretto | $180 | -7% |
| Lowry | $175 | -10% |
| Lucan | $177 | -9% |
| Lutsen | $193 | -1% |
| Luverne | $167 | -14% |
| Lyle | $162 | -17% |
| Lynd | $165 | -15% |
| Mabel | $174 | -10% |
| Madelia | $162 | -17% |
| Madison | $168 | -13% |
| Madison Lake | $163 | -16% |
| Magnolia | $168 | -13% |
| Mahnomen | $191 | -1% |
| Mahtomedi | $191 | -1% |
| Mahtowa | $186 | -4% |
| Makinen | $202 | 4% |
| Mankato | $155 | -20% |
| Mantorville | $168 | -13% |
| Maple Grove | $184 | -5% |
| Maple Lake | $185 | -4% |
| Maple Plain | $181 | -6% |
| Mapleton | $167 | -14% |
| Maplewood | $218 | 13% |
| Marble | $186 | -4% |
| Marcell | $197 | 2% |
| Margie | $189 | -3% |
| Marietta | $168 | -13% |
| Marine on St. Croix | $194 | 0% |
| Marshall | $171 | -12% |
| Martin Lake | $197 | 2% |
| Max | $202 | 4% |
| Mayer | $178 | -8% |
| Maynard | $165 | -15% |
| Mazeppa | $170 | -12% |
| Mc Grath | $193 | 0% |
| McGregor | $193 | -1% |
| McIntosh | $183 | -5% |
| Meadowlands | $202 | 4% |
| Medford | $167 | -14% |
| Medicine Lake | $192 | -1% |
| Medina | $183 | -5% |
| Melrose | $181 | -7% |
| Melrude | $199 | 3% |
| Menahga | $195 | 1% |
| Mendota | $195 | 1% |
| Mendota Heights | $190 | -2% |
| Mentor | $185 | -5% |
| Merrifield | $194 | 0% |
| Middle River | $188 | -3% |
| Milaca | $200 | 3% |
| Milan | $165 | -15% |
| Millville | $177 | -9% |
| Milroy | $170 | -12% |
| Miltona | $182 | -6% |
| Minneapolis | $231 | 19% |
| Minneota | $169 | -13% |
| Minnesota City | $168 | -13% |
| Minnesota Lake | $165 | -15% |
| Minnetonka | $184 | -5% |
| Minnetonka Beach | $186 | -4% |
| Minnetrista | $183 | -5% |
| Mizpah | $189 | -2% |
| Montevideo | $170 | -12% |
| Montgomery | $177 | -8% |
| Monticello | $187 | -4% |
| Montrose | $185 | -4% |
| Moorhead | $160 | -17% |
| Moose Lake | $187 | -3% |
| Mora | $194 | 0% |
| Morgan | $167 | -14% |
| Morris | $170 | -12% |
| Morristown | $172 | -11% |
| Morton | $167 | -14% |
| Motley | $200 | 3% |
| Mound | $184 | -5% |
| Mounds View | $196 | 1% |
| Mountain Iron | $188 | -3% |
| Mountain Lake | $164 | -15% |
| Murdock | $176 | -9% |
| Nashua | $179 | -8% |
| Nashwauk | $186 | -4% |
| Navarre | $185 | -4% |
| Naytahwaush | $190 | -2% |
| Nelson | $178 | -8% |
| Nerstrand | $175 | -9% |
| Nett Lake | $192 | -1% |
| Nevis | $197 | 2% |
| New Brighton | $197 | 2% |
| New Germany | $182 | -6% |
| New Hope | $200 | 3% |
| New London | $178 | -8% |
| New Munich | $183 | -6% |
| New Prague | $178 | -8% |
| New Richland | $157 | -19% |
| New Ulm | $161 | -17% |
| New York Mills | $183 | -6% |
| Newfolden | $181 | -7% |
| Newport | $188 | -3% |
| Nicollet | $165 | -15% |
| Nielsville | $179 | -8% |
| Nimrod | $198 | 2% |
| Nisswa | $195 | 1% |
| Norcross | $176 | -9% |
| North Branch | $195 | 1% |
| North Mankato | $157 | -19% |
| North Oaks | $190 | -2% |
| North St. Paul | $214 | 10% |
| Northfield | $174 | -10% |
| Northome | $196 | 1% |
| Northrop | $161 | -17% |
| Norwood | $193 | 0% |
| Norwood Young America | $178 | -8% |
| Nowthen | $195 | 0% |
| Noyes | $179 | -8% |
| Oak Grove | $195 | 1% |
| Oak Island | $179 | -8% |
| Oak Park | $194 | 0% |
| Oak Park Heights | $190 | -2% |
| Oakdale | $196 | 1% |
| Oakport | $160 | -17% |
| Odessa | $171 | -12% |
| Odin | $165 | -15% |
| Ogema | $184 | -5% |
| Ogilvie | $198 | 2% |
| Okabena | $168 | -13% |
| Oklee | $182 | -6% |
| Olivia | $169 | -13% |
| Onamia | $197 | 2% |
| Ormsby | $163 | -16% |
| Orono | $184 | -5% |
| Oronoco | $166 | -14% |
| Orr | $197 | 2% |
| Ortonville | $174 | -10% |
| Osage | $185 | -4% |
| Osakis | $187 | -3% |
| Oslo | $182 | -6% |
| Osseo | $187 | -3% |
| Ostrander | $174 | -10% |
| Otsego | $188 | -3% |
| Ottertail | $182 | -6% |
| Outing | $203 | 5% |
| Owatonna | $160 | -17% |
| Palisade | $195 | 0% |
| Park Rapids | $200 | 3% |
| Parkers Prairie | $185 | -4% |
| Paynesville | $181 | -7% |
| Pease | $200 | 3% |
| Pelican Rapids | $179 | -7% |
| Pemberton | $165 | -15% |
| Pengilly | $188 | -3% |
| Pennington | $201 | 4% |
| Pennock | $176 | -9% |
| Pequot Lakes | $196 | 1% |
| Perham | $176 | -9% |
| Perley | $179 | -8% |
| Peterson | $172 | -11% |
| Pierz | $205 | 6% |
| Pillager | $200 | 3% |
| Pine City | $194 | 0% |
| Pine Island | $168 | -13% |
| Pine River | $199 | 3% |
| Pipestone | $166 | -14% |
| Plainview | $173 | -11% |
| Plato | $174 | -10% |
| Plummer | $180 | -7% |
| Plymouth | $187 | -3% |
| Ponemah | $201 | 4% |
| Ponsford | $187 | -3% |
| Porter | $170 | -12% |
| Preston | $170 | -12% |
| Princeton | $193 | 0% |
| Prinsburg | $170 | -12% |
| Prior Lake | $185 | -5% |
| Proctor | $177 | -9% |
| Puposky | $204 | 5% |
| Racine | $174 | -10% |
| Ramsey | $192 | -1% |
| Randall | $196 | 1% |
| Randolph | $181 | -7% |
| Ranier | $190 | -2% |
| Raymond | $169 | -13% |
| Reading | $169 | -13% |
| Reads Landing | $170 | -12% |
| Red Lake Falls | $174 | -10% |
| Red Wing | $180 | -7% |
| Redby | $201 | 4% |
| Redlake | $199 | 3% |
| Redwood Falls | $170 | -12% |
| Remer | $202 | 4% |
| Renville | $172 | -11% |
| Revere | $180 | -7% |
| Rice | $184 | -5% |
| Richfield | $204 | 5% |
| Richmond | $182 | -6% |
| Richville | $181 | -6% |
| Richwood | $180 | -7% |
| Robbinsdale | $207 | 7% |
| Rochert | $180 | -7% |
| Rochester | $166 | -15% |
| Rock Creek | $194 | 0% |
| Rockford | $184 | -5% |
| Rockville | $176 | -9% |
| Rogers | $180 | -7% |
| Rollingstone | $171 | -11% |
| Roosevelt | $181 | -7% |
| Roscoe | $178 | -8% |
| Rose Creek | $165 | -15% |
| Roseau | $179 | -8% |
| Rosemount | $183 | -5% |
| Roseville | $216 | 11% |
| Rothsay | $176 | -9% |
| Round Lake | $167 | -14% |
| Royalton | $196 | 1% |
| Rush City | $198 | 2% |
| Rushford | $171 | -12% |
| Rushford Village | $171 | -12% |
| Rushmore | $166 | -14% |
| Russell | $172 | -11% |
| Ruthton | $171 | -12% |
| Sabin | $172 | -11% |
| Sacred Heart | $166 | -14% |
| Saginaw | $194 | 0% |
| Salol | $181 | -7% |
| Sanborn | $166 | -14% |
| Sandstone | $193 | 0% |
| Santiago | $190 | -2% |
| Sargeant | $169 | -13% |
| Sartell | $178 | -8% |
| Sauk Centre | $186 | -4% |
| Sauk Rapids | $182 | -6% |
| Savage | $183 | -5% |
| Sawyer | $194 | 0% |
| Scandia | $195 | 0% |
| Scanlon | $183 | -6% |
| Schroeder | $194 | 0% |
| Seaforth | $166 | -14% |
| Searles | $167 | -14% |
| Sebeka | $199 | 3% |
| Shafer | $197 | 2% |
| Shakopee | $183 | -5% |
| Shelly | $179 | -8% |
| Sherburn | $161 | -17% |
| Shevlin | $200 | 3% |
| Shoreview | $193 | 0% |
| Shorewood | $181 | -6% |
| Side Lake | $185 | -5% |
| Silver Bay | $192 | -1% |
| Silver Creek | $181 | -6% |
| Silver Lake | $174 | -10% |
| Slayton | $172 | -11% |
| Sleepy Eye | $162 | -17% |
| Solway | $196 | 1% |
| Soudan | $194 | 0% |
| South Haven | $188 | -3% |
| South International Falls | $188 | -3% |
| South St. Paul | $194 | 0% |
| Spicer | $176 | -9% |
| Spring Grove | $171 | -12% |
| Spring Lake | $201 | 4% |
| Spring Lake Park | $200 | 3% |
| Spring Park | $191 | -1% |
| Spring Valley | $172 | -11% |
| Springfield | $161 | -17% |
| Squaw Lake | $197 | 1% |
| St. Anthony | $207 | 7% |
| St. Augusta | $179 | -8% |
| St. Bonifacius | $181 | -7% |
| St. Charles | $172 | -11% |
| St. Clair | $168 | -13% |
| St. Cloud | $181 | -7% |
| St. Francis | $198 | 2% |
| St. Hilaire | $173 | -11% |
| St. James | $162 | -17% |
| St. Joseph | $173 | -11% |
| St. Louis Park | $196 | 1% |
| St. Marys Point | $185 | -4% |
| St. Michael | $183 | -6% |
| St. Paul | $229 | 18% |
| St. Paul Park | $184 | -5% |
| St. Peter | $163 | -16% |
| St. Rosa | $185 | -4% |
| St. Stephen | $179 | -8% |
| St. Vincent | $179 | -7% |
| Stacy | $198 | 2% |
| Stanchfield | $197 | 2% |
| Staples | $200 | 3% |
| Starbuck | $174 | -10% |
| Steen | $169 | -13% |
| Stephen | $179 | -7% |
| Stewart | $167 | -14% |
| Stewartville | $166 | -14% |
| Stillwater | $190 | -2% |
| Stockton | $164 | -16% |
| Storden | $173 | -11% |
| Strandquist | $183 | -5% |
| Strathcona | $186 | -4% |
| Sturgeon Lake | $192 | -1% |
| Sunburg | $175 | -9% |
| Sunfish Lake | $193 | -1% |
| Swan River | $194 | 0% |
| Swanville | $196 | 1% |
| Swatara | $205 | 6% |
| Swift | $176 | -9% |
| Taconite | $188 | -3% |
| Talmoon | $194 | 0% |
| Tamarack | $196 | 1% |
| Taopi | $169 | -13% |
| Taunton | $175 | -10% |
| Taylors Falls | $198 | 2% |
| Tenstrike | $200 | 3% |
| The Lakes | $170 | -12% |
| Thief River Falls | $175 | -10% |
| Tintah | $183 | -6% |
| Tofte | $191 | -1% |
| Tonka Bay | $182 | -6% |
| Tower | $195 | 1% |
| Tracy | $168 | -13% |
| Trail | $191 | -2% |
| Trimont | $166 | -14% |
| Truman | $158 | -18% |
| Twig | $194 | 0% |
| Twin Lakes | $162 | -16% |
| Twin Valley | $181 | -7% |
| Two Harbors | $198 | 2% |
| Tyler | $172 | -11% |
| Ulen | $179 | -8% |
| Underwood | $178 | -8% |
| Upsala | $199 | 3% |
| Utica | $177 | -9% |
| Vadnais Heights | $191 | -1% |
| Vergas | $181 | -7% |
| Verndale | $200 | 3% |
| Vernon Center | $169 | -13% |
| Vesta | $174 | -10% |
| Victoria | $182 | -6% |
| Viking | $183 | -6% |
| Villard | $181 | -6% |
| Vining | $188 | -3% |
| Virginia | $187 | -4% |
| Wabasha | $169 | -13% |
| Wabasso | $165 | -15% |
| Waconia | $178 | -8% |
| Wadena | $196 | 1% |
| Wahkon | $195 | 1% |
| Waite Park | $183 | -6% |
| Waldorf | $165 | -15% |
| Walker | $198 | 2% |
| Walnut Grove | $173 | -11% |
| Waltham | $167 | -14% |
| Wanamingo | $175 | -10% |
| Wanda | $169 | -13% |
| Wannaska | $184 | -5% |
| Warba | $187 | -4% |
| Warren | $185 | -5% |
| Warroad | $174 | -10% |
| Warsaw | $172 | -11% |
| Waseca | $159 | -18% |
| Waskish | $209 | 8% |
| Watertown | $181 | -7% |
| Waterville | $174 | -10% |
| Watkins | $189 | -3% |
| Watson | $171 | -12% |
| Waubun | $189 | -3% |
| Waverly | $184 | -5% |
| Wayzata | $183 | -6% |
| Webster | $178 | -8% |
| Welch | $182 | -6% |
| Welcome | $160 | -17% |
| Wells | $161 | -17% |
| Wendell | $172 | -11% |
| West Concord | $170 | -12% |
| West St. Paul | $193 | 0% |
| West Union | $197 | 2% |
| Westbrook | $172 | -11% |
| Wheaton | $178 | -8% |
| White Bear Lake | $190 | -2% |
| Willernie | $190 | -2% |
| Williams | $189 | -3% |
| Willmar | $175 | -10% |
| Willow River | $193 | -1% |
| Wilmont | $163 | -16% |
| Windom | $168 | -13% |
| Winger | $186 | -4% |
| Winnebago | $159 | -18% |
| Winona | $165 | -15% |
| Winsted | $177 | -8% |
| Winthrop | $163 | -16% |
| Winton | $190 | -2% |
| Wirt | $199 | 3% |
| Wolverton | $178 | -8% |
| Wood Lake | $173 | -11% |
| Woodbury | $190 | -2% |
| Woodland | $184 | -5% |
| Woodstock | $166 | -15% |
| Worthington | $166 | -15% |
| Wrenshall | $186 | -4% |
| Wright | $192 | -1% |
| Wykoff | $176 | -9% |
| Wyoming | $196 | 1% |
| Young America | $180 | -7% |
| Zimmerman | $195 | 1% |
| Zumbro Falls | $172 | -11% |
| Zumbrota | $171 | -12% |
The average cost of car insurance in Minnesota’s other largest cities are:
- Bloomington, $196 per month
- Brooklyn Park, $214 per month
- Duluth, $176 per month
- Rochester, $166 per month
- St. Paul, $229 per month
Minimum coverage for car insurance in Minnesota
You need these coverages to meet Minnesota’s minimum auto insurance requirements:
- Personal injury protection (PIP): $40,000 per person, per accident
- Bodily injury liability: $30,000 per person, $60,000 per accident
- Physical damage liability: $10,000
- Uninsured and underinsured motorist: $25,000 per person, $50,000 per accident
Personal injury protection, or PIP, is also known as no-fault insurance. It covers injuries to you and your passengers, no matter who causes the accident. It also covers lost wages and other expenses tied to your recovery.
Bodily injury liability kicks in if the medical expenses of someone you hurt goes over their PIP limit. It also covers injuries that are especially severe.
Physical damage liability covers damage you cause to other people’s vehicles or property.
Uninsured motorist covers you and your passengers for injuries caused by a driver with no car insurance. It kicks in for expenses that go over your own PIP limits.
Underinsured motorist coverage protects you from drivers who have car insurance, but not enough to cover your damages.
Full coverage car insurance in Minnesota
Minnesota state law doesn’t require full coverage car insurance, which usually includes collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism. coverages along with liability.
If you have a car loan, though, your lender will probably make you get full coverage. The same is true for leased vehicles.
Is Minnesota a no-fault state?
Minnesota is a no-fault insurance state. Your own PIP insurance covers your medical treatment for car accident injuries, whether you or the other driver is at fault.
If you cause an accident, you are responsible for a victim’s medical expenses that go over their PIP limit. You can also be sued for causing pain and suffering if their injuries are severe. Your bodily injury liability covers expenses like these.
The state’s no-fault law only applies to injuries. If you cause an accident, you have to pay the repair bills for other people’s damaged cars. Your property damage liability covers these types of bills.
How to get SR-22 insurance in Minnesota
An SR-22 insurance certificate is a form that your insurance company files with the state to prove you have car insurance. You usually need one to reinstate your driver’s license after certain offenses. These range from insurance violations to DWI.
Tell the insurance companies you contact for quotes about your SR-22 requirement. Some companies don’t insure drivers who need to file an SR-22. Those that do may add a small filing fee to your rate.
The actual rate you pay for SR-22 insurance depends largely on the offense that led to the filing requirement. You can expect to pay more for SR-22 insurance after a DWI than you will after an insurance violation. Getting quotes from three or more companies is a good way to find the cheapest SR-22 insurance for your situation.
Frequently asked questions
Car insurance in Minnesota costs $194 per month, on average, if you buy a full-coverage policy. For a minimum-coverage policy, the average cost is $68 per month.
You’ll usually pay more than these average rates if you have any traffic incidents on your driving records, like accidents or DUIs.
Most Minnesota drivers can find the cheapest car insurance with State Farm and Travelers.
State Farm has the state’s most affordable liability insurance rates, at $43 per month. Travelers has the lowest full coverage rates of $106 per month.
If you already have insurance, you usually need to add a new used car to your policy within seven to 30 days. This grace period varies by company.
If you don’t already have insurance, you should purchase coverage with a start date on the day you buy the vehicle. Otherwise, you won’t be covered if you’re in an accident. You also won’t be able to register the vehicle in your name until you get insurance.
How we selected the cheapest car insurance companies in Minnesota
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection (PIP): $40,000 per person, per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
How we evaluated car insurance companies in Minnesota
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military as well as certain family members.