Minnesota Auto Insurance (2023)
Drivers need to compare insurance rates from companies based on their driver profile factors in order to find cheap car insurance rates in Minnesota.
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UPDATED: Dec 17, 2022
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 17, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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best auto insurance companies based on your driving record, desired coverages, and more. To help you find the cheapest car insurance in Minnesota, we are going to cover which providers are cheapest, as well as go over the relevant laws and regulations in Minnesota that can affect rates. Table of Contents Car insurance rates in Minnesota can vary greatly by driver history, area, and more. A company that is cheap for your friend may not be the cheapest company for you. If you have a serious infraction on your record, such as a DUI, or you live in an area with high rates, you will have to look harder for cheap insurance. Here’s a look at how average annual full coverage auto insurance rates in Minnesota compare with the rest of the U.S. Read on to see what is the cheapest auto insurance in Minnesota by coverage, driver record, and more. If you only want to carry a bare minimum policy, then you will find your rates are significantly reduced compared to carrying a full coverage car insurance policy, with most companies charging an average of around $500 a year. Just keep in mind that if you are in an accident, your out-of-pocket costs will also be significantly higher unless you own an older vehicle. Look at the table below listing cheap liability car insurance in Minnesota to see how much average minimum liability insurance costs compared to full coverage auto insurance. USAA and State Farm have some of the cheapest average rates for minimum liability insurance coverage, whereas Geico and Liberty Mutual have some of the highest insurance rates. Progressive’s rates fall in the middle. If you can afford it, purchasing full coverage is a good idea. It will prevent you from having to pay high out-of-pocket bills to repair your car after an accident you’ve caused. However, rates increase when you add more coverage for better protection. The table below lists the average full coverage rates for different insurance companies in Minnesota, so you can see which offers cheap car insurance in the state. State Farm has some of the cheapest rates for full coverage in Minnesota, whereas Liberty Mutual once again has some of the most expensive average rates for insurance coverage. Your credit score will certainly impact auto insurance rates; drivers with poor credit can pay three times as much as drivers with good credit in Minnesota. This is because insurance companies view drivers with low credit scores as riskier to insure, as they will be more likely to miss payments than drivers with good credit. While USAA is generally one of the cheapest companies, it tends to raise prices substantially for bad credit scores. This is why shopping around is so important, as a cheap company may not actually be the cheapest for you based on your driver profile. A DUI can raise rates by over $1,000 in Minnesota. If you get a DUI, you should shop around and see if an insurance company raises rates less than your current insurance company. The table below shows the average rates that insurance companies will charge after a driver gets convicted of a DUI. Find out what a DUI is here. The cheapest companies for DUI offenders are State Farm, American Family, and Nationwide. It’s important to note that a DUI in Minnesota may also result in fines, jail time, suspended licenses, and other penalties, depending on the severity of the offense. If you cause an accident, you will see an increase in your insurance rates unless your insurance company offers accident forgiveness for your first at-fault accident. However, you may be able to find cheap auto insurance after an accident by comparing company rates. The table below shows the average rates at an insurance company for an at-fault accident. State Farm offers some of the cheapest rates in Minnesota for drivers who have an at-fault accident on their record. If you find your rates have increased substantially after an accident, make sure to shop around for car insurance quotes to see if another insurance company is cheaper. Auto insurance costs more for young drivers, as they are more likely to crash due to inexperience. Teenagers who purchase their own policies often pay thousands more than older drivers. State Farm has some of the cheapest rates for teenagers, whereas Liberty Mutual has some of the most expensive, costing thousands more on average than State Farm. Even within a state, rates can change from city to city depending on each city’s risk factors, such as local crime or heavy traffic. Some of the most expensive rates can be found in Minneapolis, whereas some of the cheapest rates are in Rochester. Enter your ZIP code below to view companies that have cheap auto insurance rates. State laws and penalties can affect insurance rates, such as the amount of insurance a state requires drivers to carry. Car insurance is mandatory in Minnesota, so all drivers must carry it. Read on to see how much insurance you must carry, Minnesota’s DUI laws, and when you need high-risk insurance. According to the Minnesota Department of Commerce, all Minnesota drivers must carry bodily injury liability, property damage liability, underinsured/uninsured motorist bodily injury, and personal injury protection (PIP). The required minimum amounts are as follows: All Minnesota drivers must carry the coverage amounts above to drive in Minnesota legally. Drivers are only required to carry the coverages listed in the previous section, which means all other coverages are optional. You don’t need to purchase coverages like collision, comprehensive, or roadside assistance in order to drive in Minnesota legally. However, you will be better protected if you purchase a full coverage policy. Collision insurance and comprehensive insurance will pay for repairs to your car in accidents caused by you or factors outside of your control, like the weather. Just bear in mind that your prices will increase when you add more comprehensive coverage options to your policy. There are several penalties if you are charged with a DUI in Minnesota. Some of the consequences of DUIs include the following: Consequences will increase in severity for each DUI offense. So while a driver might not go to jail for their first DUI offense, they may have to serve jail time for a second offense. In Minnesota, drivers with serious infractions on their record, such as a DUI or driving without insurance or with a suspended license, must carry an SR-22 certificate. It ensures that you have Minnesota car insurance, although having an SR-22 certificate will increase your rates because it shows you are a high-risk driver. If you are currently insured, you can call and ask your car insurance company to apply for your SR-22 certificate. If you are uninsured, you may have to pay a fee to the new insurance company for them to file your SR-22 certificate. Some insurance companies may deny you coverage if you need an SR-22 certificate. If you don’t have a vehicle, keep in mind that you will need to purchase non-owner auto insurance to get SR-22 insurance because you need to show proof of insurance when applying for SR-22 certificates. Finding cheap insurance in Minnesota requires comparing companies and doing your research into what raises rates. Serious driving infractions, such as a DUI, will raise your rates substantially. If you want to find cheap insurance in MN, shopping around for auto insurance quotes will help you find which company is the cheapest based on your coverage needs and driving profile. Use our free rate comparison tool to find cheap Minnesota auto insurance rates from companies in your area. What company has the cheapest auto insurance in Minnesota? State Farm has some of the cheapest average rates in Minnesota, but keep in mind that other companies may be cheaper for you depending upon your driving record and insurance needs. Why is car insurance expensive in Minnesota? Minnesota isn’t one of the most expensive states for insurance in the U.S. Rates may be higher for you than other Minnesota drivers depending on your driving risk and choice of car insurance company. How much is car insurance per month in Minnesota? On average, Minnesota drivers will pay around $100 a month for full coverage car insurance and less than $100 for minimum coverage. Enter your ZIP code below to view companies that have cheap auto insurance rates. Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Finding Cheap Car Insurance in Minnesota
Cheapest Auto Insurance for Minimum Liability vs. Full Coverage in Minnesota
Cheapest Auto Insurance for Bad Credit
Cheapest Auto Insurance for DUI
Cheapest Auto Insurance After an At-Fault Accident
Cheapest Auto Insurance for Young Drivers
Cheapest Auto Insurance Rates by City in Minnesota
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Minnesota Driving and Insurance Laws
Minnesota Minimum Coverage Laws
Optional Coverages in Minnesota
Minnesota DUI Laws
Minnesota SR-22 Insurance Laws
The Final Word on Minnesota Insurance
Frequently Asked Questions
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