How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Cheapest Car Insurance in Minnesota (2025)
Updated on:
Content was accurate at the time of publication.
Best cheap car insurance in Minnesota
More Options
Find the Cheapest Car Insurance Quotes in Minnesota
Cheapest full-coverage car insurance in Minnesota: Travelers
Travelers has the cheapest full-coverage car insurance quotes for most Minnesota drivers at $1,269 a year. This works out to $106 a month.
USAA is slightly cheaper at $105 a month. However, only the military community and their families can buy policies from USAA.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $1,269 |  |
 | State Farm | $1,494 | |
 | Auto-Owners | $1,556 |  |
 | American Family | $1,660 |  |
 | Geico | $2,914 |  |
 | Farmers | $3,130 |  |
 | Allstate | $3,140 | |
 | USAA* | $1,254 | |
Full-coverage auto insurance 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 such as fire, flood and vandalism. coverages. It costs an average of $171 a month statewide.
Your actual rate depends on factors like your driving record, credit and age. It’s good to compare car insurance quotes from a few different companies, because each company weighs these factors differently.
Minnesota’s cheapest liability insurance quotes: State Farm
At $45 a month, State Farm has the cheapest liability car insurance quotes for most Minnesota drivers. Auto-Owners and American Family have the next-cheapest rates at $46 a month each.
Of these three companies, American Family offers the most car insurance discounts, which may make it cheaper for liability insurance Liability covers injuries and damage you cause to others. It’s required by law. than other companies.
Liability auto insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $543 |
| Auto-Owners | $550 |
| American Family | $552 |
| Travelers | $581 |
| Geico | $1,015 |
| Farmers | $1,404 |
| Allstate | $1,502 |
| USAA* | $389 |
Find the Cheapest Car Insurance Quotes in Minnesota
Cheap car insurance for teens in Minnesota: Travelers
You can often get the cheapest car insurance for teens from Travelers in Minnesota. Travelers has the cheapest liability rates for most Minnesota teens at $98 a month. Auto-Owners is the next-cheapest company at $107 a month.
Travelers and Auto-Owners both give teens a discount for getting good grades, which can bring their rates down more. Travelers gives teens who complete a driver training program a discount, too.
Travelers also has the cheapest full-coverage rates for most teens at $227 a month. Auto-Owners has the next-cheapest full coverage for teens at $295 a month.
Annual car insurance rates for teen drivers
| Company | Liability | Full coverage |
|---|---|---|
| Travelers | $1,173 | $2,726 |
| Auto-Owners | $1,278 | $3,538 |
| State Farm | $1,675 | $4,396 |
| American Family | $2,054 | $5,951 |
| Allstate | $2,898 | $7,465 |
| Geico | $3,556 | $9,573 |
| Farmers | $6,817 | $11,344 |
| USAA* | $859 | $2,691 |
Best Minnesota car insurance quotes after a ticket: Auto-Owners
Minnesota drivers with a speeding ticket should get car insurance quotes from Auto-Owners and Travelers. Auto-Owners has the cheapest car insurance rates for most drivers with a speeding ticket at $130 a month for full coverage. Travelers is the next-cheapest company at $134 a month.
A speeding ticket increases the average price of car insurance in Minnesota by 25% to $214 a month. If you have a bad driving record, you can often still save money by shopping around for the cheapest rate.
Car insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| Auto-Owners | $1,556 |
| Travelers | $1,604 |
| State Farm | $1,708 |
| American Family | $1,986 |
| Geico | $3,765 |
| Farmers | $3,922 |
| Allstate | $4,509 |
| USAA* | $1,536 |
Cheapest Minnesota car insurance after an accident: Travelers
Travelers has the cheapest car insurance for most Minnesota drivers with an at-fault accident. These rates average $145 a month. State Farm and Auto-Owners have the next-cheapest rates at $155 a month and $160 a month, respectively.
An at-fault accident increases the average price of car insurance in Minnesota by 61%. Adding accident forgiveness With accident forgiveness, your first accident does not make your car insurance rate go up. You have to add it to your policy before you get into an accident, and it usually costs extra. to your policy can protect you from an increase like this. Travelers and Auto-Owners are among the companies that offer it.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| Travelers | $1,741 |
| State Farm | $1,861 |
| Auto-Owners | $1,924 |
| American Family | $3,488 |
| Farmers | $4,663 |
| Allstate | $5,322 |
| Geico | $5,671 |
| USAA* | $1,731 |
Best MN auto insurance for bad teen drivers: Auto-Owners and Travelers
Auto-Owners and Travelers have the best auto insurance rates for Minnesota teens with a bad driving record.
Auto-Owners has the cheapest liability quotes for most teens with a speeding ticket at $107 a month. Travelers is the next-cheapest company at $120 a month.
Travelers has the cheapest quotes for most teens with an at-fault accident at $138 a month. Auto-Owners has the next-cheapest rate at $146 a month.
Annual car insurance rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $1,278 | $1,756 |
| Travelers | $1,445 | $1,650 |
| State Farm | $1,748 | $1,969 |
| American Family | $2,210 | $4,480 |
| Geico | $4,147 | $4,689 |
| Allstate | $4,469 | $5,481 |
| Farmers | $8,655 | $8,909 |
| USAA* | $980 | $1,026 |
Find the Cheapest Car Insurance Quotes in Minnesota
Cheap car insurance for Minnesota drivers with a DWI: Travelers
Travelers has the cheapest car insurance for Minnesota drivers with a DWI at $166 a month for full coverage. This is about half the state average of $342 a month after an impaired driving conviction.
Auto-Owners has the next-cheapest DWI insurance at $231 a month.
Auto insurance rates after a DWI
| Company | Annual rate |
|---|---|
| Travelers | $1,992 |
| Auto-Owners | $2,767 |
| American Family | $3,045 |
| Farmers | $4,730 |
| Allstate | $5,498 |
| Geico | $10,352 |
| USAA* | $2,284 |
Cheapest for Minnesota drivers with bad credit: American Family
Make sure to get car insurance quotes from American Family if you have bad credit. American Family has the cheapest car insurance quotes for most Minnesota drivers with bad credit at $274 a month.
Travelers has Minnesota’s next-cheapest bad credit car insurance rate at $299 a month.
Auto insurance rates for bad credit
| Company | Annual rate |
|---|---|
| American Family | $3,286 |
| Travelers | $3,585 |
| Geico | $4,169 |
| Auto-Owners | $4,855 |
| Farmers | $5,934 |
| Allstate | $6,725 |
| State Farm | $10,390 |
| USAA* | $3,001 |
Best insurance companies in Minnesota: Auto-Owners
Auto-Owners has a slight edge over Travelers and State Farm as Minnesota’s best car insurance company.
All three are good companies, but Auto-Owners has:
- More coverage options than State Farm
- A higher overall customer satisfaction rating than Travelers from J.D. Power
J.D. Power’s satisfaction scores are based on customer surveys on factors like price, product offerings and convenience. Auto-Owners and State Farm beat the industry average. Travelers’ rating is worse than average.
Car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Auto-Owners | 654 | A++ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Minnesota car insurance rates by city
Truman has the cheapest full coverage among Minnesota’s cities at $1,695 a year. This is only $1 less than the average rate of $1,696 in Elmore. Albert Lea drivers pay slightly more at $1,707 a year, or $142 a month.
At $215 a month, Brooklyn Center has the state’s most expensive full-coverage rates. Brooklyn Park comes in second at $201 a month.
Minneapolis has the state’s third-highest car insurance rates at $196 a month. St. Paul drivers pay a slightly lower rate of $190 a month, the state’s 12th-cheapest rate.
Car insurance rates near you
| City | Annual rate | Difference vs. state annual |
|---|---|---|
| Ada | $1,929 | -6% |
| Adams | $1,818 | -11% |
| Adolph | $1,961 | -4% |
| Adrian | $1,767 | -14% |
| Afton | $2,073 | 1% |
| Ah Gwah Ching | $2,118 | 3% |
| Aitkin | $2,093 | 2% |
| Akeley | $2,050 | 0% |
| Albany | $2,054 | 0% |
| Albert Lea | $1,707 | -17% |
| Alberta | $1,816 | -12% |
| Albertville | $2,009 | -2% |
| Alborn | $2,172 | 6% |
| Alden | $1,733 | -16% |
| Aldrich | $2,081 | 1% |
| Alexandria | $1,843 | -10% |
| Almelund | $2,191 | 7% |
| Alpha | $1,757 | -14% |
| Altura | $1,906 | -7% |
| Alvarado | $1,928 | -6% |
| Amboy | $1,786 | -13% |
| Andover | $2,138 | 4% |
| Angle Inlet | $1,894 | -8% |
| Angora | $2,090 | 2% |
| Annandale | $2,066 | 1% |
| Anoka | $2,120 | 3% |
| Apple Valley | $1,990 | -3% |
| Appleton | $1,841 | -10% |
| Arco | $1,843 | -10% |
| Arden Hills | $2,135 | 4% |
| Argyle | $1,944 | -5% |
| Arlington | $1,887 | -8% |
| Arnold | $1,966 | -4% |
| Ashby | $1,893 | -8% |
| Askov | $2,056 | 0% |
| Atwater | $1,890 | -8% |
| Audubon | $1,925 | -6% |
| Aurora | $2,034 | -1% |
| Austin | $1,772 | -14% |
| Avoca | $1,829 | -11% |
| Avon | $1,958 | -5% |
| Babbitt | $2,046 | 0% |
| Backus | $2,061 | 0% |
| Badger | $1,984 | -3% |
| Bagley | $2,036 | -1% |
| Balaton | $1,806 | -12% |
| Barnesville | $1,916 | -7% |
| Barnum | $2,053 | 0% |
| Barrett | $1,865 | -9% |
| Barry | $1,905 | -7% |
| Battle Lake | $1,918 | -7% |
| Baudette | $1,931 | -6% |
| Baxter | $2,072 | 1% |
| Bayport | $1,993 | -3% |
| Beardsley | $1,853 | -10% |
| Beaver Creek | $1,824 | -11% |
| Becker | $2,037 | -1% |
| Bejou | $2,037 | -1% |
| Belgrade | $1,941 | -5% |
| Belle Plaine | $1,980 | -4% |
| Bellingham | $1,810 | -12% |
| Beltrami | $1,897 | -8% |
| Belview | $1,789 | -13% |
| Bemidji | $1,989 | -3% |
| Bena | $2,106 | 3% |
| Benedict | $2,101 | 2% |
| Benson | $1,842 | -10% |
| Bertha | $2,071 | 1% |
| Bethel | $2,158 | 5% |
| Big Falls | $2,023 | -1% |
| Big Lake | $2,024 | -1% |
| Bigelow | $1,795 | -13% |
| Bigfork | $2,086 | 2% |
| Bingham Lake | $1,886 | -8% |
| Birchdale | $2,095 | 2% |
| Birchwood Village | $2,059 | 0% |
| Bird Island | $1,780 | -13% |
| Biwabik | $2,021 | -1% |
| Blackduck | $2,104 | 3% |
| Blaine | $2,159 | 5% |
| Blomkest | $1,829 | -11% |
| Blooming Prairie | $1,772 | -14% |
| Bloomington | $2,152 | 5% |
| Blue Earth | $1,749 | -15% |
| Bluffton | $2,001 | -3% |
| Bock | $2,057 | 0% |
| Borup | $1,941 | -5% |
| Bovey | $2,021 | -2% |
| Bowlus | $2,131 | 4% |
| Bowstring | $2,213 | 8% |
| Boyd | $1,837 | -10% |
| Braham | $2,097 | 2% |
| Brainerd | $2,102 | 2% |
| Brandon | $1,910 | -7% |
| Breckenridge | $1,879 | -8% |
| Breezy Point | $2,071 | 1% |
| Brewster | $1,792 | -13% |
| Bricelyn | $1,758 | -14% |
| Brimson | $2,166 | 6% |
| Britt | $2,059 | 0% |
| Brook Park | $2,112 | 3% |
| Brooklyn Center | $2,581 | 26% |
| Brooklyn Park | $2,411 | 18% |
| Brooks | $1,940 | -5% |
| Brookston | $2,120 | 3% |
| Brooten | $1,977 | -4% |
| Browerville | $2,083 | 1% |
| Browns Valley | $1,907 | -7% |
| Brownsdale | $1,786 | -13% |
| Brownsville | $1,908 | -7% |
| Brownton | $1,830 | -11% |
| Bruno | $2,079 | 1% |
| Buffalo | $2,015 | -2% |
| Buffalo Lake | $1,779 | -13% |
| Buhl | $2,048 | 0% |
| Burnsville | $2,082 | 1% |
| Burtrum | $2,115 | 3% |
| Butterfield | $1,745 | -15% |
| Byron | $1,810 | -12% |
| Caledonia | $1,910 | -7% |
| Callaway | $1,972 | -4% |
| Calumet | $2,060 | 0% |
| Cambridge | $2,175 | 6% |
| Campbell | $1,834 | -11% |
| Canby | $1,809 | -12% |
| Cannon Falls | $2,021 | -2% |
| Canton | $1,957 | -5% |
| Canyon | $2,154 | 5% |
| Carlos | $1,913 | -7% |
| Carlton | $2,011 | -2% |
| Carver | $1,911 | -7% |
| Cass Lake | $2,037 | -1% |
| Cedar | $2,151 | 5% |
| Center City | $2,140 | 4% |
| Centerville | $2,119 | 3% |
| Ceylon | $1,789 | -13% |
| Champlin | $2,113 | 3% |
| Chandler | $1,796 | -12% |
| Chanhassen | $1,931 | -6% |
| Chaska | $1,917 | -7% |
| Chatfield | $1,890 | -8% |
| Chisago City | $2,136 | 4% |
| Chisholm | $1,991 | -3% |
| Chokio | $1,857 | -10% |
| Circle Pines | $2,105 | 3% |
| Clara City | $1,834 | -11% |
| Claremont | $1,861 | -9% |
| Clarissa | $2,096 | 2% |
| Clarkfield | $1,756 | -14% |
| Clarks Grove | $1,758 | -14% |
| Clear Lake | $2,055 | 0% |
| Clearbrook | $2,046 | 0% |
| Clearwater | $2,043 | 0% |
| Clements | $1,811 | -12% |
| Cleveland | $1,868 | -9% |
| Climax | $1,910 | -7% |
| Clinton | $1,842 | -10% |
| Clitherall | $1,941 | -5% |
| Clontarf | $1,795 | -13% |
| Cloquet | $2,006 | -2% |
| Cohasset | $1,980 | -4% |
| Cokato | $2,002 | -2% |
| Cold Spring | $2,004 | -2% |
| Coleraine | $1,974 | -4% |
| Cologne | $1,912 | -7% |
| Columbia Heights | $2,354 | 15% |
| Columbus | $2,170 | 6% |
| Comfrey | $1,775 | -14% |
| Comstock | $1,887 | -8% |
| Conger | $1,837 | -10% |
| Cook | $2,114 | 3% |
| Coon Rapids | $2,168 | 6% |
| Corcoran | $1,986 | -3% |
| Correll | $1,960 | -4% |
| Cosmos | $1,840 | -10% |
| Cottage Grove | $1,989 | -3% |
| Cotton | $2,151 | 5% |
| Cottonwood | $1,802 | -12% |
| Courtland | $1,783 | -13% |
| Crane Lake | $2,072 | 1% |
| Cromwell | $2,111 | 3% |
| Crookston | $1,975 | -4% |
| Crosby | $2,079 | 1% |
| Crosslake | $2,124 | 3% |
| Crystal | $2,306 | 12% |
| Crystal Bay | $2,025 | -1% |
| Currie | $1,827 | -11% |
| Cushing | $2,148 | 5% |
| Cyrus | $1,846 | -10% |
| Dakota | $1,851 | -10% |
| Dalbo | $2,147 | 5% |
| Dalton | $1,851 | -10% |
| Danube | $1,763 | -14% |
| Danvers | $1,799 | -12% |
| Darfur | $1,777 | -13% |
| Darwin | $1,888 | -8% |
| Dassel | $1,898 | -8% |
| Dawson | $1,797 | -12% |
| Dayton | $2,015 | -2% |
| Deephaven | $1,972 | -4% |
| Deer Creek | $1,978 | -4% |
| Deer River | $2,036 | -1% |
| Deerwood | $2,079 | 1% |
| Delano | $2,001 | -2% |
| Delavan | $1,790 | -13% |
| Dellwood | $2,057 | 0% |
| Dennison | $1,954 | -5% |
| Dent | $1,920 | -6% |
| Detroit Lakes | $1,890 | -8% |
| Dexter | $1,874 | -9% |
| Dilworth | $1,865 | -9% |
| Dodge Center | $1,836 | -11% |
| Donaldson | $1,994 | -3% |
| Donnelly | $1,781 | -13% |
| Dover | $1,866 | -9% |
| Dovray | $1,780 | -13% |
| Duluth | $1,952 | -5% |
| Dumont | $1,868 | -9% |
| Dundas | $1,917 | -7% |
| Dunnell | $1,734 | -16% |
| Eagan | $2,039 | -1% |
| Eagle Bend | $2,076 | 1% |
| Eagle Lake | $1,814 | -12% |
| East Bethel | $2,145 | 5% |
| East Grand Forks | $1,863 | -9% |
| East Gull Lake | $2,090 | 2% |
| Easton | $1,734 | -15% |
| Echo | $1,903 | -7% |
| Eden Prairie | $1,994 | -3% |
| Eden Valley | $1,962 | -4% |
| Edgerton | $1,807 | -12% |
| Edina | $2,120 | 3% |
| Effie | $2,101 | 2% |
| Eitzen | $1,919 | -6% |
| Elbow Lake | $1,904 | -7% |
| Elgin | $1,864 | -9% |
| Elizabeth | $1,839 | -10% |
| Elk River | $2,087 | 2% |
| Elko New Market | $2,001 | -2% |
| Elkton | $1,879 | -8% |
| Ellendale | $1,765 | -14% |
| Ellsworth | $1,832 | -11% |
| Elmore | $1,696 | -17% |
| Elrosa | $1,931 | -6% |
| Ely | $2,077 | 1% |
| Elysian | $1,905 | -7% |
| Embarrass | $2,054 | 0% |
| Emily | $2,127 | 4% |
| Emmons | $1,771 | -14% |
| Erhard | $1,891 | -8% |
| Erskine | $1,977 | -4% |
| Esko | $1,957 | -5% |
| Essig | $1,836 | -11% |
| Euclid | $1,975 | -4% |
| Evansville | $1,920 | -6% |
| Eveleth | $2,004 | -2% |
| Excelsior | $1,955 | -5% |
| Eyota | $1,822 | -11% |
| Fairfax | $1,733 | -16% |
| Fairmont | $1,736 | -15% |
| Falcon Heights | $2,276 | 11% |
| Faribault | $1,967 | -4% |
| Farmington | $1,993 | -3% |
| Farwell | $1,915 | -7% |
| Federal Dam | $2,150 | 5% |
| Felton | $2,016 | -2% |
| Fergus Falls | $1,843 | -10% |
| Fertile | $1,957 | -5% |
| Fifty Lakes | $2,120 | 3% |
| Finland | $2,073 | 1% |
| Finlayson | $2,096 | 2% |
| Fisher | $1,895 | -8% |
| Flensburg | $2,111 | 3% |
| Flom | $2,001 | -3% |
| Floodwood | $2,147 | 5% |
| Foley | $2,104 | 3% |
| Forbes | $2,048 | 0% |
| Forest Lake | $2,153 | 5% |
| Foreston | $2,139 | 4% |
| Fort Ripley | $2,112 | 3% |
| Fosston | $2,031 | -1% |
| Fountain | $1,948 | -5% |
| Foxhome | $1,907 | -7% |
| Franklin | $1,755 | -14% |
| Frazee | $1,927 | -6% |
| Freeborn | $1,783 | -13% |
| Freeport | $2,004 | -2% |
| Fridley | $2,303 | 12% |
| Frontenac | $1,856 | -10% |
| Frost | $1,766 | -14% |
| Fulda | $1,821 | -11% |
| Garden City | $1,874 | -9% |
| Garfield | $1,857 | -10% |
| Garrison | $2,199 | 7% |
| Garvin | $1,811 | -12% |
| Gary | $1,999 | -3% |
| Gatzke | $2,070 | 1% |
| Gaylord | $1,826 | -11% |
| Genola | $2,191 | 7% |
| Georgetown | $1,941 | -5% |
| Ghent | $1,781 | -13% |
| Gibbon | $1,801 | -12% |
| Gilbert | $2,019 | -2% |
| Gilman | $2,120 | 3% |
| Glencoe | $1,849 | -10% |
| Glenville | $1,737 | -15% |
| Glenwood | $1,850 | -10% |
| Glyndon | $1,890 | -8% |
| Golden Valley | $2,190 | 7% |
| Gonvick | $2,009 | -2% |
| Good Thunder | $1,866 | -9% |
| Goodhue | $1,925 | -6% |
| Goodland | $2,059 | 0% |
| Goodridge | $2,000 | -3% |
| Goodview | $1,797 | -12% |
| Graceville | $1,930 | -6% |
| Granada | $1,731 | -16% |
| Grand Marais | $1,993 | -3% |
| Grand Meadow | $1,891 | -8% |
| Grand Portage | $2,019 | -2% |
| Grand Rapids | $1,935 | -6% |
| Grandy | $2,238 | 9% |
| Granite Falls | $1,800 | -12% |
| Grant | $2,024 | -1% |
| Grasston | $2,105 | 3% |
| Green Isle | $1,944 | -5% |
| Greenbush | $1,988 | -3% |
| Greenfield | $2,035 | -1% |
| Greenwald | $1,946 | -5% |
| Greenwood | $1,953 | -5% |
| Grey Eagle | $2,086 | 2% |
| Grove City | $1,880 | -8% |
| Grygla | $2,074 | 1% |
| Gully | $1,985 | -3% |
| Hackensack | $2,094 | 2% |
| Hallock | $2,107 | 3% |
| Halma | $1,968 | -4% |
| Halstad | $1,954 | -5% |
| Ham Lake | $2,154 | 5% |
| Hamburg | $1,984 | -3% |
| Hamel | $2,046 | 0% |
| Hampton | $2,027 | -1% |
| Hancock | $1,777 | -13% |
| Hanley Falls | $1,819 | -11% |
| Hanover | $2,019 | -2% |
| Hanska | $1,748 | -15% |
| Hardwick | $1,858 | -9% |
| Harmony | $1,874 | -9% |
| Harris | $2,144 | 4% |
| Hartland | $1,789 | -13% |
| Hastings | $2,017 | -2% |
| Hawley | $1,906 | -7% |
| Hayfield | $1,853 | -10% |
| Hayward | $1,735 | -15% |
| Hector | $1,829 | -11% |
| Henderson | $1,925 | -6% |
| Hendricks | $1,861 | -9% |
| Hendrum | $1,896 | -8% |
| Henning | $1,965 | -4% |
| Henriette | $2,072 | 1% |
| Herman | $1,880 | -8% |
| Hermantown | $1,906 | -7% |
| Heron Lake | $1,779 | -13% |
| Hewitt | $2,059 | 0% |
| Hibbing | $1,961 | -4% |
| Hill City | $2,065 | 1% |
| Hillman | $2,233 | 9% |
| Hills | $1,890 | -8% |
| Hilltop | $2,354 | 15% |
| Hinckley | $2,086 | 2% |
| Hines | $2,077 | 1% |
| Hitterdal | $2,034 | -1% |
| Hoffman | $1,834 | -11% |
| Hokah | $1,889 | -8% |
| Holdingford | $2,047 | 0% |
| Holland | $1,820 | -11% |
| Hollandale | $1,817 | -11% |
| Holloway | $1,829 | -11% |
| Holmes City | $1,962 | -4% |
| Holyoke | $2,178 | 6% |
| Hopkins | $2,054 | 0% |
| Houston | $1,888 | -8% |
| Hovland | $2,023 | -1% |
| Howard Lake | $2,045 | 0% |
| Hoyt Lakes | $2,045 | 0% |
| Hugo | $2,111 | 3% |
| Humboldt | $1,942 | -5% |
| Huntley | $1,827 | -11% |
| Hutchinson | $1,789 | -13% |
| Ihlen | $1,752 | -15% |
| Independence | $1,991 | -3% |
| International Falls | $1,916 | -7% |
| Inver Grove Heights | $2,046 | 0% |
| Iona | $1,875 | -9% |
| Iron | $1,980 | -4% |
| Ironton | $2,071 | 1% |
| Isabella | $2,108 | 3% |
| Isanti | $2,182 | 6% |
| Isle | $2,084 | 2% |
| Ivanhoe | $1,828 | -11% |
| Jackson | $1,784 | -13% |
| Jacobson | $2,128 | 4% |
| Janesville | $1,780 | -13% |
| Jasper | $1,771 | -14% |
| Jeffers | $1,792 | -13% |
| Jenkins | $2,068 | 1% |
| Jordan | $2,003 | -2% |
| Kabetogama | $2,025 | -1% |
| Kanaranzi | $1,838 | -10% |
| Kandiyohi | $1,859 | -9% |
| Karlstad | $1,981 | -3% |
| Kasota | $1,822 | -11% |
| Kasson | $1,815 | -12% |
| Keewatin | $2,007 | -2% |
| Kelliher | $2,102 | 2% |
| Kellogg | $1,906 | -7% |
| Kennedy | $1,962 | -4% |
| Kenneth | $1,777 | -13% |
| Kensington | $1,900 | -7% |
| Kent | $1,862 | -9% |
| Kenyon | $1,937 | -6% |
| Kerkhoven | $1,909 | -7% |
| Kerrick | $2,030 | -1% |
| Kettle River | $2,039 | -1% |
| Kiester | $1,742 | -15% |
| Kilkenny | $1,968 | -4% |
| Kimball | $2,045 | 0% |
| Kinney | $2,074 | 1% |
| Knife River | $2,098 | 2% |
| La Crescent | $1,874 | -9% |
| La Salle | $1,760 | -14% |
| Lafayette | $1,730 | -16% |
| Lake Benton | $1,794 | -13% |
| Lake Bronson | $1,986 | -3% |
| Lake City | $1,912 | -7% |
| Lake Crystal | $1,820 | -11% |
| Lake Elmo | $2,077 | 1% |
| Lake George | $2,253 | 10% |
| Lake Hubert | $2,171 | 6% |
| Lake Lillian | $1,892 | -8% |
| Lake Park | $1,922 | -6% |
| Lake Shore | $2,081 | 1% |
| Lake St. Croix Beach | $2,028 | -1% |
| Lake Wilson | $1,757 | -14% |
| Lakefield | $1,792 | -13% |
| Lakeland | $2,029 | -1% |
| Lakeville | $1,996 | -3% |
| Lamberton | $1,758 | -14% |
| Lancaster | $1,985 | -3% |
| Lanesboro | $1,908 | -7% |
| Laporte | $2,119 | 3% |
| Lastrup | $2,183 | 6% |
| Lauderdale | $2,274 | 11% |
| Le Center | $1,915 | -7% |
| Le Roy | $1,866 | -9% |
| Le Sueur | $1,880 | -8% |
| Lengby | $1,999 | -3% |
| Leonard | $2,039 | -1% |
| Leota | $1,913 | -7% |
| Lester Prairie | $1,902 | -7% |
| Lewiston | $1,909 | -7% |
| Lewisville | $1,745 | -15% |
| Lexington | $2,111 | 3% |
| Lilydale | $2,097 | 2% |
| Lindstrom | $2,119 | 3% |
| Lino Lakes | $2,109 | 3% |
| Lismore | $1,821 | -11% |
| Litchfield | $1,864 | -9% |
| Little Canada | $2,326 | 13% |
| Little Falls | $2,088 | 2% |
| Little Rock | $2,095 | 2% |
| Littlefork | $1,998 | -3% |
| Loman | $2,095 | 2% |
| Long Lake | $1,967 | -4% |
| Long Prairie | $2,047 | 0% |
| Longville | $2,060 | 0% |
| Lonsdale | $2,023 | -1% |
| Loretto | $1,965 | -4% |
| Lowry | $1,887 | -8% |
| Lucan | $1,906 | -7% |
| Lutsen | $2,044 | 0% |
| Luverne | $1,809 | -12% |
| Lyle | $1,748 | -15% |
| Lynd | $1,773 | -14% |
| Mabel | $1,912 | -7% |
| Madelia | $1,756 | -14% |
| Madison | $1,803 | -12% |
| Madison Lake | $1,827 | -11% |
| Magnolia | $1,851 | -10% |
| Mahnomen | $2,025 | -1% |
| Mahtomedi | $2,062 | 0% |
| Mahtowa | $2,019 | -2% |
| Makinen | $2,171 | 6% |
| Mankato | $1,741 | -15% |
| Mantorville | $1,845 | -10% |
| Maple Grove | $1,995 | -3% |
| Maple Lake | $2,035 | -1% |
| Maple Plain | $1,983 | -3% |
| Mapleton | $1,839 | -10% |
| Maplewood | $2,343 | 14% |
| Marble | $2,011 | -2% |
| Marcell | $2,100 | 2% |
| Margie | $2,024 | -1% |
| Marietta | $1,803 | -12% |
| Marine on St. Croix | $2,097 | 2% |
| Marshall | $1,856 | -10% |
| Martin Lake | $2,175 | 6% |
| Max | $2,152 | 5% |
| Mayer | $1,945 | -5% |
| Maynard | $1,783 | -13% |
| Mazeppa | $1,873 | -9% |
| Mc Grath | $2,091 | 2% |
| McGregor | $2,088 | 2% |
| McIntosh | $1,971 | -4% |
| Meadowlands | $2,166 | 6% |
| Medford | $1,866 | -9% |
| Medicine Lake | $2,105 | 3% |
| Medina | $2,001 | -2% |
| Melrose | $1,952 | -5% |
| Melrude | $2,140 | 4% |
| Menahga | $2,026 | -1% |
| Mendota | $2,158 | 5% |
| Mendota Heights | $2,096 | 2% |
| Mentor | $1,981 | -3% |
| Merrifield | $2,077 | 1% |
| Middle River | $2,022 | -1% |
| Milaca | $2,170 | 6% |
| Milan | $1,774 | -14% |
| Millville | $1,926 | -6% |
| Milroy | $1,826 | -11% |
| Miltona | $1,952 | -5% |
| Minneapolis | $2,357 | 15% |
| Minneota | $1,839 | -10% |
| Minnesota City | $1,860 | -9% |
| Minnesota Lake | $1,784 | -13% |
| Minnetonka | $2,005 | -2% |
| Minnetonka Beach | $2,052 | 0% |
| Minnetrista | $1,982 | -3% |
| Mizpah | $2,019 | -2% |
| Montevideo | $1,836 | -11% |
| Montgomery | $1,985 | -3% |
| Monticello | $2,036 | -1% |
| Montrose | $2,046 | 0% |
| Moorhead | $1,797 | -12% |
| Moose Lake | $2,018 | -2% |
| Mora | $2,082 | 1% |
| Morgan | $1,792 | -13% |
| Morris | $1,803 | -12% |
| Morristown | $1,911 | -7% |
| Morton | $1,774 | -14% |
| Motley | $2,109 | 3% |
| Mound | $1,989 | -3% |
| Mounds View | $2,136 | 4% |
| Mountain Iron | $1,994 | -3% |
| Mountain Lake | $1,769 | -14% |
| Murdock | $1,898 | -7% |
| Nashua | $1,931 | -6% |
| Nashwauk | $2,023 | -1% |
| Navarre | $2,008 | -2% |
| Naytahwaush | $2,017 | -2% |
| Nelson | $1,914 | -7% |
| Nerstrand | $1,953 | -5% |
| Nett Lake | $2,082 | 1% |
| Nevis | $2,030 | -1% |
| New Brighton | $2,156 | 5% |
| New Germany | $1,981 | -3% |
| New Hope | $2,199 | 7% |
| New London | $1,899 | -7% |
| New Munich | $1,982 | -3% |
| New Prague | $1,969 | -4% |
| New Richland | $1,725 | -16% |
| New Ulm | $1,744 | -15% |
| New York Mills | $1,951 | -5% |
| Newfolden | $1,946 | -5% |
| Newport | $2,090 | 2% |
| Nicollet | $1,817 | -11% |
| Nielsville | $1,946 | -5% |
| Nimrod | $2,051 | 0% |
| Nisswa | $2,079 | 1% |
| Norcross | $1,881 | -8% |
| North Branch | $2,111 | 3% |
| North Mankato | $1,769 | -14% |
| North Oaks | $2,073 | 1% |
| North St. Paul | $2,244 | 9% |
| Northfield | $1,954 | -5% |
| Northome | $2,090 | 2% |
| Northrop | $1,737 | -15% |
| Norwood | $2,254 | 10% |
| Norwood Young America | $1,944 | -5% |
| Nowthen | $2,144 | 4% |
| Noyes | $1,925 | -6% |
| Oak Grove | $2,165 | 5% |
| Oak Island | $1,879 | -8% |
| Oak Park | $2,141 | 4% |
| Oak Park Heights | $2,017 | -2% |
| Oakdale | $2,156 | 5% |
| Oakport | $1,771 | -14% |
| Odessa | $1,836 | -11% |
| Odin | $1,787 | -13% |
| Ogema | $1,993 | -3% |
| Ogilvie | $2,124 | 3% |
| Okabena | $1,823 | -11% |
| Oklee | $1,966 | -4% |
| Olivia | $1,763 | -14% |
| Onamia | $2,134 | 4% |
| Ormsby | $1,765 | -14% |
| Orono | $1,981 | -3% |
| Oronoco | $1,811 | -12% |
| Orr | $2,110 | 3% |
| Ortonville | $1,879 | -8% |
| Osage | $1,992 | -3% |
| Osakis | $1,993 | -3% |
| Oslo | $1,964 | -4% |
| Osseo | $2,048 | 0% |
| Ostrander | $1,912 | -7% |
| Otsego | $2,044 | 0% |
| Ottertail | $1,951 | -5% |
| Outing | $2,110 | 3% |
| Owatonna | $1,769 | -14% |
| Palisade | $2,082 | 1% |
| Park Rapids | $2,068 | 1% |
| Parkers Prairie | $1,986 | -3% |
| Paynesville | $1,966 | -4% |
| Pease | $2,182 | 6% |
| Pelican Rapids | $1,929 | -6% |
| Pemberton | $1,835 | -11% |
| Pengilly | $2,050 | 0% |
| Pennington | $2,096 | 2% |
| Pennock | $1,901 | -7% |
| Pequot Lakes | $2,071 | 1% |
| Perham | $1,872 | -9% |
| Perley | $1,946 | -5% |
| Peterson | $1,902 | -7% |
| Pierz | $2,206 | 8% |
| Pillager | $2,092 | 2% |
| Pine City | $2,095 | 2% |
| Pine Island | $1,840 | -10% |
| Pine River | $2,062 | 0% |
| Pipestone | $1,764 | -14% |
| Plainview | $1,886 | -8% |
| Plato | $1,880 | -8% |
| Plummer | $1,934 | -6% |
| Plymouth | $2,044 | 0% |
| Ponemah | $2,097 | 2% |
| Ponsford | $2,029 | -1% |
| Porter | $1,840 | -10% |
| Preston | $1,860 | -9% |
| Princeton | $2,103 | 2% |
| Prinsburg | $1,840 | -10% |
| Prior Lake | $2,005 | -2% |
| Proctor | $1,917 | -7% |
| Puposky | $2,121 | 3% |
| Racine | $1,926 | -6% |
| Ramsey | $2,146 | 5% |
| Randall | $2,041 | -1% |
| Randolph | $2,010 | -2% |
| Ranier | $2,048 | 0% |
| Raymond | $1,807 | -12% |
| Reading | $1,837 | -10% |
| Reads Landing | $1,866 | -9% |
| Red Lake Falls | $1,893 | -8% |
| Red Wing | $2,009 | -2% |
| Redby | $2,092 | 2% |
| Redlake | $2,079 | 1% |
| Redwood Falls | $1,829 | -11% |
| Remer | $2,101 | 2% |
| Renville | $1,821 | -11% |
| Revere | $1,955 | -5% |
| Rice | $2,035 | -1% |
| Richfield | $2,264 | 10% |
| Richmond | $1,993 | -3% |
| Richville | $1,935 | -6% |
| Richwood | $1,972 | -4% |
| Robbinsdale | $2,288 | 11% |
| Rochert | $1,929 | -6% |
| Rochester | $1,811 | -12% |
| Rock Creek | $2,099 | 2% |
| Rockford | $2,034 | -1% |
| Rockville | $1,950 | -5% |
| Rogers | $1,977 | -4% |
| Rollingstone | $1,912 | -7% |
| Roosevelt | $1,921 | -6% |
| Roscoe | $1,923 | -6% |
| Rose Creek | $1,804 | -12% |
| Roseau | $1,928 | -6% |
| Rosemount | $2,007 | -2% |
| Roseville | $2,261 | 10% |
| Rothsay | $1,896 | -8% |
| Round Lake | $1,824 | -11% |
| Royalton | $2,086 | 2% |
| Rush City | $2,121 | 3% |
| Rushford | $1,873 | -9% |
| Rushford Village | $1,876 | -9% |
| Rushmore | $1,801 | -12% |
| Russell | $1,869 | -9% |
| Ruthton | $1,863 | -9% |
| Sabin | $1,874 | -9% |
| Sacred Heart | $1,744 | -15% |
| Saginaw | $2,098 | 2% |
| Salol | $1,950 | -5% |
| Sanborn | $1,785 | -13% |
| Sandstone | $2,054 | 0% |
| Santiago | $2,121 | 3% |
| Sargeant | $1,858 | -9% |
| Sartell | $1,951 | -5% |
| Sauk Centre | $2,003 | -2% |
| Sauk Rapids | $2,001 | -2% |
| Savage | $1,998 | -3% |
| Sawyer | $2,108 | 3% |
| Scandia | $2,108 | 3% |
| Scanlon | $1,994 | -3% |
| Schroeder | $2,053 | 0% |
| Seaforth | $1,785 | -13% |
| Searles | $1,829 | -11% |
| Sebeka | $2,056 | 0% |
| Shafer | $2,142 | 4% |
| Shakopee | $1,973 | -4% |
| Shelly | $1,940 | -5% |
| Sherburn | $1,747 | -15% |
| Shevlin | $2,055 | 0% |
| Shoreview | $2,095 | 2% |
| Shorewood | $1,956 | -5% |
| Side Lake | $1,966 | -4% |
| Silver Bay | $2,029 | -1% |
| Silver Creek | $1,976 | -4% |
| Silver Lake | $1,881 | -8% |
| Slayton | $1,842 | -10% |
| Sleepy Eye | $1,755 | -14% |
| Solway | $2,037 | -1% |
| Soudan | $2,072 | 1% |
| South Haven | $2,058 | 0% |
| South International Falls | $2,018 | -2% |
| South St. Paul | $2,178 | 6% |
| Spicer | $1,882 | -8% |
| Spring Grove | $1,883 | -8% |
| Spring Lake | $2,139 | 4% |
| Spring Lake Park | $2,237 | 9% |
| Spring Park | $2,115 | 3% |
| Spring Valley | $1,901 | -7% |
| Springfield | $1,736 | -15% |
| Squaw Lake | $2,089 | 2% |
| St. Anthony | $2,324 | 13% |
| St. Augusta | $1,962 | -4% |
| St. Bonifacius | $1,939 | -6% |
| St. Charles | $1,885 | -8% |
| St. Clair | $1,863 | -9% |
| St. Cloud | $1,978 | -4% |
| St. Francis | $2,182 | 6% |
| St. Hilaire | $1,873 | -9% |
| St. James | $1,748 | -15% |
| St. Joseph | $1,915 | -7% |
| St. Louis Park | $2,139 | 4% |
| St. Marys Point | $2,027 | -1% |
| St. Michael | $2,016 | -2% |
| St. Paul | $2,275 | 11% |
| St. Paul Park | $2,038 | -1% |
| St. Peter | $1,776 | -13% |
| St. Rosa | $2,004 | -2% |
| St. Stephen | $1,993 | -3% |
| St. Vincent | $1,945 | -5% |
| Stacy | $2,170 | 6% |
| Stanchfield | $2,109 | 3% |
| Staples | $2,091 | 2% |
| Starbuck | $1,869 | -9% |
| Steen | $1,845 | -10% |
| Stephen | $1,942 | -5% |
| Stewart | $1,787 | -13% |
| Stewartville | $1,822 | -11% |
| Stillwater | $2,032 | -1% |
| Stockton | $1,810 | -12% |
| Storden | $1,862 | -9% |
| Strandquist | $1,976 | -4% |
| Strathcona | $1,995 | -3% |
| Sturgeon Lake | $2,049 | 0% |
| Sunburg | $1,897 | -8% |
| Sunfish Lake | $2,117 | 3% |
| Swan River | $2,107 | 3% |
| Swanville | $2,063 | 1% |
| Swatara | $2,196 | 7% |
| Swift | $1,889 | -8% |
| Taconite | $2,037 | -1% |
| Talmoon | $2,072 | 1% |
| Tamarack | $2,111 | 3% |
| Taopi | $1,865 | -9% |
| Taunton | $1,905 | -7% |
| Taylors Falls | $2,172 | 6% |
| Tenstrike | $2,081 | 1% |
| The Lakes | $1,818 | -11% |
| Thief River Falls | $1,886 | -8% |
| Tintah | $1,947 | -5% |
| Tofte | $2,006 | -2% |
| Tonka Bay | $1,962 | -4% |
| Tower | $2,088 | 2% |
| Tracy | $1,811 | -12% |
| Trail | $2,047 | 0% |
| Trimont | $1,806 | -12% |
| Truman | $1,695 | -17% |
| Twig | $2,086 | 2% |
| Twin Lakes | $1,753 | -15% |
| Twin Valley | $1,950 | -5% |
| Two Harbors | $2,142 | 4% |
| Tyler | $1,839 | -10% |
| Ulen | $1,959 | -5% |
| Underwood | $1,896 | -8% |
| Upsala | $2,128 | 4% |
| Utica | $1,969 | -4% |
| Vadnais Heights | $2,076 | 1% |
| Vergas | $1,940 | -5% |
| Verndale | $2,073 | 1% |
| Vernon Center | $1,860 | -9% |
| Vesta | $1,874 | -9% |
| Victoria | $1,952 | -5% |
| Viking | $1,970 | -4% |
| Villard | $1,949 | -5% |
| Vining | $2,022 | -1% |
| Virginia | $1,987 | -3% |
| Wabasha | $1,850 | -10% |
| Wabasso | $1,768 | -14% |
| Waconia | $1,925 | -6% |
| Wadena | $2,034 | -1% |
| Wahkon | $2,111 | 3% |
| Waite Park | $1,989 | -3% |
| Waldorf | $1,820 | -11% |
| Walker | $2,055 | 0% |
| Walnut Grove | $1,857 | -9% |
| Waltham | $1,850 | -10% |
| Wanamingo | $1,921 | -6% |
| Wanda | $1,827 | -11% |
| Wannaska | $1,986 | -3% |
| Warba | $2,029 | -1% |
| Warren | $2,043 | 0% |
| Warroad | $1,878 | -8% |
| Warsaw | $1,886 | -8% |
| Waseca | $1,740 | -15% |
| Waskish | $2,250 | 10% |
| Watertown | $1,980 | -4% |
| Waterville | $1,937 | -6% |
| Watkins | $2,057 | 0% |
| Watson | $1,851 | -10% |
| Waubun | $2,000 | -3% |
| Waverly | $2,015 | -2% |
| Wayzata | $1,982 | -3% |
| Webster | $1,995 | -3% |
| Welch | $2,038 | -1% |
| Welcome | $1,733 | -16% |
| Wells | $1,739 | -15% |
| Wendell | $1,834 | -11% |
| West Concord | $1,877 | -9% |
| West St. Paul | $2,126 | 4% |
| West Union | $2,117 | 3% |
| Westbrook | $1,850 | -10% |
| Wheaton | $1,894 | -8% |
| White Bear Lake | $2,059 | 0% |
| Willernie | $2,054 | 0% |
| Williams | $1,973 | -4% |
| Willmar | $1,890 | -8% |
| Willow River | $2,046 | 0% |
| Wilmont | $1,767 | -14% |
| Windom | $1,808 | -12% |
| Winger | $1,986 | -3% |
| Winnebago | $1,722 | -16% |
| Winona | $1,810 | -12% |
| Winsted | $1,945 | -5% |
| Winthrop | $1,787 | -13% |
| Winton | $2,083 | 2% |
| Wirt | $2,130 | 4% |
| Wolverton | $1,904 | -7% |
| Wood Lake | $1,847 | -10% |
| Woodbury | $2,052 | 0% |
| Woodland | $1,987 | -3% |
| Woodstock | $1,796 | -12% |
| Worthington | $1,786 | -13% |
| Wrenshall | $2,021 | -1% |
| Wright | $2,067 | 1% |
| Wykoff | $1,940 | -5% |
| Wyoming | $2,143 | 4% |
| Young America | $1,978 | -4% |
| Zimmerman | $2,134 | 4% |
| Zumbro Falls | $1,887 | -8% |
| Zumbrota | $1,860 | -9% |
Minnesota’s minimum auto insurance coverages
You need these coverages to meet Minnesota’s minimum auto insurance requirements:
| Coverage | Required minimum limit |
|---|---|
| Personal injury protection (PIP) | $40,000 |
| Bodily injury liability | $30,000 per person$60,000 per accident |
| Physical damage liability | $10,000 |
| Uninsured 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 exceeds their PIP limit. It also covers injuries that are particularly 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 insurance. It kicks in for expenses that go over your own PIP limits.
Is Minnesota a no-fault state?
Minnesota is a no-fault insurance state. Your own PIP 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
The average cost of car insurance in Minnesota is $171 a month for full coverage. Minimum coverage policies cost an average of $68 a month.
Travelers and State Farm have the cheapest car insurance for most Minnesota drivers. Auto-Owners has the cheapest rates after a speeding ticket. USAA has the cheapest car insurance for military families.
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 get it to begin on the day you buy the vehicle. Otherwise, you won’t be covered if you’re in an accident. You won’t be able to register the vehicle in your name until you get insurance.