Cheap Minnesota Car Insurance Quotes
Compare and Buy Auto Insurance in MN for 2024
| Companies | Name | Quotes |
|---|---|---|
 |
Progressive | $61 /mo |
 |
The General Insurance | $82 /mo |
 |
Travelers Insurance | $108 /mo |
 |
StateFarm | $116 /mo |
 |
Nationwide | $135 /mo |
How to Get Cheap Car Insurance in Minnesota?
Minnesota or popularly called The North Star State is known for its scenic roads all around the year. But increasing car insurance costs in Minnesota has become a constant issue for our drivers in the state. One of the major reasons for higher car insurance costs is the frigid winters. Driving on snow and ice-covered roads leads to road accidents and hence drivers get into the category of high-risk drivers.
If you are also trying to find affordable car insurance in Minnesota then RateForce team is here for you. We work with a single objective; serve our drivers the cheapest car insurance rates in their area.
Which are the Best Car Insurance Companies in MN?
Are you someone who believes in getting the best in everything instead of the cheapest? We know the difference between cheapest and best car insurance policies. A cheap car insurance policy might not include every necessary coverage you need. To get car insurance coverage as per your requirements you need the best policy.
Below is a list of all the top Minnesota car insurance companies that provides the best policies to drivers as per their requirements:
| Companies | Name | Quotes |
|---|---|---|
|
Progressive | $61 /mo |
|
The General Insurance | $82 /mo |
 |
American Family | $95 /mo |
|
Travelers Insurance | $108 /mo |
 |
Allstate | $120 /mo |
How To Get Best Car Insurance Coverage in Minnesota?
Minimum Car Insurance Requirements in Minnesota
Our country has some basic traffic rules and regulations that are required to be followed by every driver. One of these rules is to get the state minimum liability car insurance as per the requirements of state. Yes, every has its own requirements and limitations for car insurance policies. If a driver wishes to drive or park their vehicle on the state’s road then buying the minimum car insurance is compulsory. Let’s have a look at the minimum Minnesota auto insurance requirements for every driver.
- Bodily Injury Liability(BIL) Coverage:
The first type of coverage or policy is BIL; this is required if you are at fault in an accident and another driver or pedestrian got injured. Then you will be responsible to bear all the expenses for the treatment of that victim. This also includes passengers in the car of another driver.
$30,000 per person; if only the driver was injured or died in an accident.
$60,000 per accident; if there were other passengers or pedestrians harmed in an accident. - Property Damage Liability(PDL) Coverage:
If your car collides with private property of another person then you will have to pay for all the damages. It can be a boundary wall, parking, garden, or entrance; the driver will have to pay for the cost of repairing the property of that victim.
In Minnesota, PDL Coverage is a bit lower than other states; $10,000 per accident. On the other hand, it is $15,000 in most of the states and $25,000 in states like Arkansas. - Personal Injury Protection(PIP):
This type of coverage is necessary to support you in paying all medical bills for your injuries. Despite the fact that who was at fault in that accident your insurance company will cover your medical bills. This also includes lost wages and household replacement services till the time you are in bed. In Minnesota; Personal injury protection is $40,000 per person.
Cheap Minimum Liability Car Insurance Companies in Minnesota
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Minnesota:
- GEICO: $62 per month
- StateFarm: $70 per month
- North Star Mutual: $73 per month
- Progressive: $79 per month
- Allstate: $85 per month
Cheap Basic Full Insurance Coverage in Minnesota
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in Minnesota. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Nationwide: $155 per month
- GEICO: $171 per month
- StateFarm: $182 per month
- Auto-owners Insurance: $201 per month
- Progressive: $215 per month
Cheapest Premium Full Insurance Coverage in Minnesota
Here is the list of top auto insurance carriers that provide the cheapest full coverage in Minnesota. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Nationwide: $195 per month
- GEICO: $201 per month
- StateFarm: $222 per month
- Auto-owners Insurance: $235 per month
- Progressive: $250 per month
Additional Auto Insurance Coverage in Minnesota
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. The top seven types of insurance coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases. - Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs. - Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle. - Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses. - Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company. - Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car.
Cheapest Car Insurance Quotes in Minnesota on Ticket Profile
When an insurance company calculates the cost of a policy for any driver there are a lot of different factors that affect the final cost. These factors include age of that driver, his or her experience, area of residence, number of tickets on the record, etc. Now based on these factors; every insurance company creates ticket profiles for the drivers. These ticket profiles play an important role in deciding how much you are going to pay for your policy.Let’s have a look at all different types of ticket profiles that Minnesota car insurance companies consider:
Cheap Car Insurance for Speeding Drivers in Minnesota
Did you know? More than 12,100 died in road accidents in the year 2022 that were caused by speedy vehicles. Drivers with speeding tickets are always considered risky not only for themselves but for the other drivers and pedestrians as well. Hence; insurance companies increase their insurance quotes for these drivers.
Speeding drivers get points on their driving record at the time they get caught. These points are decided as per the speed of that vehicle over the allowed limit. Your insurance company will note down points on your driving record and then decide the amount to increase the insurance premium of that driver. Below is a list of some companies that you can try to get affordable car insurance if you have speeding tickets:
| Insurance Company | Quote |
|---|---|
| USAA* | $78 /mo |
| GEICO | $88 /mo |
| American Family | $96 /mo |
| Nationwide | $103 /mo |
| State Farm | $114 /mo |
| Farmers | $130 /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| State Farm | $110 /mo |
| Progressive | $124 /mo |
| GEICO | $139 /mo |
| American Family | $155 /mo |
| Auto-Owners | $185 /mo |
| Allstate | $210 /mo |
Cheap Minnesota Car Insurance Rates for Drivers with an At-Fault Accident
Having an at-fault accident on the record can be one of the biggest challenges in finding affordable car insurance rates. A driver with an at-fault accident on the record is always considered a risky driver despite the size of the accident. Even if it was a small crash, you will get the tag of an at-fault driver. As a result, you will get higher insurance quotes.
In 2021, More than 450 people in Minnesota died due to traffic accidents and the drivers who were involved in the accident were declared as highly risky drivers. Because of their high-risk ratio, most of the insurance companies deny selling policies to these drivers. One way to get affordable car insurance is to try for accident forgiveness. But the results will be decided by the insurance company and not the government. Below is the list of all the car insurance companies that provides affordable car insurance to drivers with DUI in Minnesota:
Cheapest Car Insurance for Drivers with a DUI in Minnesota
Driving under the influence is also a major risk factor not only for drivers but also for other citizens on the road. DUI driving intoxicated with alcohol, drugs, or both. A driver with DUI on his or her record is considered a highly risky driver and gets higher insurance quotes than others.You can try a fallout process. The fallout process helps drivers to remove the DUI from their driving record and hence decreasing insurance costs.
The process of applying for fallout is a bit time-consuming and complex. Depending on the company and team handling your request, it can take months or even years. This is a major reason that most drivers avoid this process and pay higher premiums to save their time. Secondly; most of the companies even deny providing insurance to the drivers with DUI on their record. We have a list of some companies that can provide you affordable insurance rates even if you have a DUI:
| Insurance Company | Quote |
|---|---|
| GEICO | $145 /mo |
| American Family | $190 /mo |
| Country Financial | $195 /mo |
| Progressive | $221 /mo |
| Nationwide | $240 /mo |
| USAA | $135* /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| Allstate | $160 /mo |
| Nationwide | $197 /mo |
| Farmers | $225 /mo |
| GEICO | $252 /mo |
| Progressive | $265 /mo |
Cheap Car Insurance for Young Drivers in MN
Every year more than 200 people die in car crashes that involve distracted teen drivers. This is another category of high-risk drivers. Young or teen drivers lacks the skills and experience of driving a vehicle on the roads.
Young drivers today are doing their own research to find the cheapest Minnesota car insurance. One of the best ways they can try is to get a students discount. If you are a young driver with a grade point of B or higher then you can apply for a student discount. Check out the list of some companies that have affordable car insurance for teen drivers in Minnesota:
Best Auto Insurance for Good Drivers in MN
If you want a cheap car insurance policy for your profile then you need to maintain clean driving records. Drivers with clean driving records are less-risky and drive safely. As a result, the chances of getting into an accident and filing a claim are lower.
Some drivers try to combine discounts with clean driving records to get additional benefits. If you are sure that your driving record is clean then all you have to do is check out all the discounts. Here is the list of some companies that can provide you lower rates if you are a good driver:
| Insurance Company | Quote |
|---|---|
| GEICO | $52 /mo |
| Progressive | $60 /mo |
| Nationwide | $62 /mo |
| Auto-Owners | $69 /mo |
| The General Insurance | $75 /mo |
| Insurance Company | Quote |
|---|---|
| GEICO | $140 /mo |
| Farmers | $157 /mo |
| Nationwide | $165 /mo |
| Country Financial | $173 /mo |
| Allstate | $185 /mo |
| USAA | $130* /mo |
(*USAA only available to current and former military members and their families.)
Cheapest Coverage for Drivers with Poor Credit in Minnesota
The credit score of a driver defines the responsibility and reliability -as per insurance companies. Although our government has banned insurance companies from considering credit scores; drivers get judged for their poor credit scores. And these drivers get the category of high-risk drivers and hence higher car insurance costs.
Here is the list of top auto insurance companies in Minnesota that can serve you an affordable rate even if you have a poor credit score:
Which Car Insurance Discounts are available in Minnesota?
The easiest way to get affordable car insurance in Minnesota is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Minnesota State
We all have heard about SR-22 insurance but what exactly is this type of Insurance? SR-22 stands for Safety Responsibility (SR)-22. Every driver whose license got suspended needs SR-22 insurance. The reason for the suspension of the license can be too many speeding tickets or DUI tickets or it can be an at-fault accident or even tickets for driving without a license.
You can apply for SR-22 insurance easily, it is not expensive, the average cost of application is between $15 and $35. But the cost of buying SR-22 insurance is the highest as compared to all the ticket profiles mentioned above. You can try out with the companies listed below to get affordable SR-22 car insurance:
| Company | Average Annual Rate | Annual Average Premium with SR-22 and DUI |
|---|---|---|
| Progressive | $774 | $1,080 |
| GEICO | $808 | $2,048 |
| Allstate | $782 | $1,005 |
| Country Financial | $790 | $1,412 |
| American Family | $610 | $1,045 |
| State Farm | $950 | $1,506 |
| Farmers | $653 | $990 |
| MetLife | $960 | $2,045 |
| AAA | $865 | $2,750 |
Best Cities for Cheap Car Insurance in Minnesota
The location of a driver is also one of the most important factors that affect the cost of auto insurance in Minnesota or any other state of our country. Not only the city or state, even the area where you live or drive frequently also impacts its cost. While calculating a quotation for an insurance policy; your auto insurance company will definitely check the zip code and based on that you will get final pricing.The crime rate, conditions of road, type of people living in your locality affect the insurance rates. Check out the list of all top Minnesota cities and along with their average car insurance rates:
| City | Avg. Annual Premium |
|---|---|
| Minneapolis | $1,635 |
| Saint Paul | $1,544 |
| Brooklyn Park | $1,499 |
| Maplewood | $1,519 |
| Bloomington | $1,272 |
| Maple Grove | $1,326 |
| Duluth | $1,284 |
| Plymouth | $1,257 |
| Moorhead | $1,207 |
| Rochester | $1,145 |
FAQs About Car Insurance In Minnesota
Is Minnesota a no-fault state?
Yes. Minnesota is a no-fault state. That means drivers will have to pay for their own injuries in the accident.
Why is car insurance expensive in Minnesota?
The major reasons for the expensive car insurance in Minnesota are the weather conditions and the no-fault state. The average car insurance rate in Minnesota is $1356 per year which is not much expensive as compared to other states.
How much is for full coverage car insurance in Minnesota?
Full coverage car insurance includes the state’s minimum requirement, collision coverage, and comprehensive coverage. In Minnesota; you will have to pay $1678 on average for a full coverage car insurance policy.
Is No-fault insurance mandatory in Minnesota?
Personal injury protection is an element of No-fault insurance and it is mandatory in Minnesota. If you are looking for car insurance then you will have to include no-fault or PIP in your policy.
How many days do you have to buy the insurance of a new car after purchase in Minnesota?
The Minnesota car insurance grace period is 2 to 30 days for every car. You will have to buy the policy within this period of time.
Can I insure a car I don’t own in Minnesota?
Yes, you can buy a non-owner car insurance policy. This will include the minimum liability coverage of 30/60/10 as per the state’s laws.
How I can get low income car insurance in MN?
Every state has its own policy to support the people who can not afford car insurance. If you are looking for the best auto insurance in mn for the low-income category then you can check Minnesota Government’s Website. There they have mentioned everything in detail about the auto insurance plan for low-income groups.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.