Minnesota has over 4.21 million licensed drivers, according to U.S. Department of Transportation. Last year, Minnesota recorded almost 80,000 traffic accidents—about 217 crashes every day, on average. While that number seems high, Minnesota has an extremely low rate of traffic accidents compared to many other states.
Although driving in Minnesota is statistically safer than other places, it’s still important to have auto insurance on your vehicle. Having auto insurance protects you from having to pay enormous out-of-pocket fees for vehicle repairs or medical expenses if you’re in an accident.
When shopping for car insurance, look for a company that can provide you with the amount of coverage you need at a monthly premium that you can afford. Find an insurance provider that offers a variety of discounts, has good customer service and is willing to work with you to find a policy that meets your needs.
Best car insurance companies in Minnesota
Residents of Minnesota can purchase auto insurance from a number of different insurance companies. To make your search a little easier, we put together a list of the best affordable Minnesota auto insurance companies.
- Country Financial: Country Financial is well-known in Minnesota for its wide variety of auto coverage options and the ease of its claims handling process.
- Geico: Geico provides Minnesota customers with cheap policies, great coverage options and reliable customer service.
- State Farm: State Farm is one of the most reputable insurance companies in the United States. It offers some of the most affordable premiums on the market.
- Westfield Insurance: Westfield Insurance is consistently rated among the top insurance providers by Minnesotans because of the discounts, customer service and affordable premiums.
To choose these insurance providers, we reviewed J.D. Power’s 2019 U.S. Auto Insurance Study for the North Central region, noting overall satisfaction, policy offerings, price and customer experience.
|Westfield Insurance||Country Financial||State Farm||Geico|
|Overall satisfaction||5 stars||4 stars||4 stars||3 stars|
|Policy offerings||4 stars||5 stars||4 stars||5 stars|
|Price||4 stars||3 stars||4 stars||5 stars|
|Customer experience||5 stars||4 stars||4 stars||3 stars|
Finding the right cheap car insurance in Minnesota for you
The price you pay for auto insurance depends on a number of factors, including your age, the car you drive, your credit score and your driving history. See which drivers will benefit the most from the insurance companies on our list.
Best for affordable premiums: Geico
In Minnesota, Geico offers some of the most affordable auto insurance premiums. The average Minnesotan driver pays an average of $686.63 per year with Geico, assuming they have a clean driving record and a good credit score.
Best for coverage options: Country Financial
In addition to the basic auto insurance coverage, Country Financial also offers a variety of add-on coverage options. Examples are coverage for replacing the glass in your car and personal effects coverage that protects valuables in your vehicle. The average yearly premium in Minnesota from Country Financial is about $1,441.
Best for customer service: Westfield Insurance
According to J.D. Power’s 2019 Auto Insurance Study, customers ranked Westfield Insurance’s customer service as “among the best,” which included interactions with agents and the claims process. With Westfield Insurance, expect to pay about $1,011 per year for auto coverage.
Best for young drivers: State Farm
With State Farm, teenagers that complete the Steer Clear® Safe Driver Discount Program can improve their skills and lower their premium at the same time. Teens are also eligible for discounts if they get good grades in school. State Farm customers in Minnesota spend an average of $1,238 per year for auto insurance, not including student discounts.
Average cost of car insurance in Minnesota
In the North Star State, the average cost of auto insurance is about $1,242 per year, according to a study from U.S. News and World Report. However, the actual amount an individual will pay could be more or less than the state average, depending on a number of factors. For example, here’s what drivers can expect to pay for their car insurance in Minnesota based on their age:
- 16 year old: $6,277.74
- 30 year old: $1,221.02
- 60 year old: $1,131.31
Men pay an average yearly premium of $1,242.02, while women pay more for their car insurance, at around $1,294.33 on average. People who are single can expect to pay about $100 more for their insurance, compared to married drivers.
Perhaps the most important factor in determining your auto insurance premium is your credit score. Here’s a breakdown of what you can expect to pay for insurance based on your credit:
- Fair credit (580-669): $2,036.93
- Good credit (670-739):$1,582.26
- Exceptional credit (800-850): $1,067.71
Car insurance discounts in Minnesota
All of the car insurance providers we evaluated on this list offer discounts that allow their customers to save money on their insurance premiums.
Westfield Insurance gives discounts for:
- Paying your premium online
- Taking a defensive driving course
- Bundling policies
Country Financial will lower your premium if you:
- Are engaged to be married within a year
- Are a good driver
- Have certain safety features installed on your car
State Farm allows customers to save by:
- Being accident free for 3 years
- Being a good student
- Insuring multiple vehicles
Geico provides discounts for drivers who:
- Take a defensive driving course
- Are a member of the military
- Are a federal employee
State minimum insurance requirements in Minnesota
Auto insurance is required by law in Minnesota. All drivers must have a minimum of $30,000/$60,000 per accident in bodily injury liability, $10,000 in property damage liability, $40,000 in personal injury protection and $25,000/$50,000 for both uninsured and underinsured motorist coverage.
Based on these numbers, your insurance policy would cover $30,000 in medical bills for one passenger, or $60,000 for all passengers injured in a crash. Your property damage liability would cover $10,000 worth of damages to other vehicles or property that you might have collided with. If you’re in an accident and the other driver doesn’t have insurance, or doesn’t have enough coverage to pay for your medical bills or vehicle repairs, your uninsured/underinsured motorist coverage would kick in to cover those costs for you.
Frequently asked questions
Is auto insurance required in Minnesota?
Yes, all drivers in Minnesota are legally required to purchase auto insurance for their car. When you get coverage, make sure you’re choosing at least the minimum amount of coverage that the state mandates.
What is the cheapest car insurance in Minnesota?
Out of the providers we evaluated on this list, Geico offers the cheapest auto insurance rates across the board. Geico also offers a number of discounts to save you even more money on your monthly premium.
Do I need more coverage than what is required?
It depends. The amount of coverage you need should be based on how much risk you’re willing to take and how much you can afford to pay out-of-pocket if your vehicle got damaged or totaled in an accident, in addition to any medical expenses you might incur from injuries.
What information is needed to get car insurance in Minnesota?
To get an auto insurance quote, you’ll need to provide your address; the make, model and year of your car; your birthday; your gender; your marital status; information about particular driving habits, such as details about if you drive for commuting purposes or for recreation and your history of accidents. You might also have to enter the VIN number for your vehicle so the insurance company can review your accident history and get a better sense of the car’s condition.