Best Cheap Minnesota Auto Insurance Quotes

Enter your Minnesota Auto Insurance zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 27, 2024

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The vehicle model that needs insurance is one of the largest factors that determines the availability of the best cheap Minnesota auto insurance quotes. Vehicles with high performance engines, poor passenger safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.

The next table illustrates car insurance premiums for the cheapest vehicles to insure in Minnesota.

Cheapest Vehicles to Insure in Minnesota
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 4WD $810
Honda Civic DX 4-Dr Sedan $915
Chevrolet Impala LS $921
Chevrolet Traverse LS 2WD $926
Ford Escape XLT 4WD $931
Toyota RAV4 Limited 2WD $936
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $940
Volkswagen Jetta SE 2.5 Station Wagon $941
Ford Explorer Eddie Bauer AWD $957
Ford Focus SES 4-Dr Sedan $970
Hyundai Elantra SE 4-Dr Sedan $991
Toyota Corolla S $996
Ford F-150 STX Regular Cab 4WD $1,008
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease premiums noticeably.

Looking at the data, you can see that vehicles like the Honda CR-V, Honda Civic, Chevrolet Impala, and Chevrolet Traverse will definitely be a few of the cheaper vehicles to insure for drivers in Minnesota.

One of the many criteria that help determine the amount you pay for auto insurance is where you normally keep your vehicle in Minnesota. Cities with larger populations like Maplewood, Minneapolis, and Duluth tend to have higher rates, whereas less populated areas tend to receive cheaper rates.

The table below lists the priciest cities in Minnesota to purchase auto insurance in.

How much does auto insurance cost in Minnesota?
Rank City Annual Rate
1 Maplewood $2,066
2 Saint Paul $2,009
3 Minneapolis $1,997
4 Richfield $1,796
5 Duluth $1,794
6 Coon Rapids $1,792
7 Bloomington $1,792
8 Edina $1,777
9 Brooklyn Park $1,762
10 Saint Louis Park $1,754
11 Plymouth $1,731
12 Blaine $1,731
13 Eagan $1,729
14 Burnsville $1,709
15 Eden Prairie $1,706
16 Lakeville $1,700
17 Woodbury $1,697
18 Shakopee $1,693
19 Maple Grove $1,690
20 Apple Valley $1,680
21 Minnetonka $1,672
22 Saint Cloud $1,652
23 Rochester $1,575
24 Moorhead $1,566
25 Mankato $1,519
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Annual rates are estimated as vehicle location can change coverage rates noticeably.

Finding good, cheap auto insurance is difficult, and figuring out which companies have the cheapest car insurance rates in Minnesota takes more quotes for comparison. Every car insurance company has a different formula for setting prices, so let’s begin by examining the car insurance companies with the overall cheapest rates in Minnesota.

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Rankings for the cheapest car insurance companies in Minnesota
Rank Company Cost Per Year
1 Travelers $641
2 Farm Bureau Mutual $813
3 USAA $823
4 Western National $901
5 The Hartford $936
6 West Bend Mutual $952
7 Allied $1,174
8 California Casualty $1,214
9 State Farm $1,263
10 American Family $1,268
11 Auto-Owners $1,282
12 General Casualty $1,313
13 Auto Club Group $1,352
14 Nationwide $1,364
15 Farmers $1,365
16 North Star $1,404
17 Progressive $1,405
18 Country $1,455
19 Allstate $1,481
20 MetLife $1,596
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Travelers has some of the cheapest car insurance rates in Minnesota at around $641 a year. Farm Bureau Mutual, USAA, Western National, and The Hartford are also some of the more affordable Minnesota car insurance companies.

As shown in the rates above, if you currently buy coverage from Western National and switched to Farm Bureau Mutual, you might see savings of about $88. Drivers with The Hartford might save as much as $123 a year, and West Bend Mutual customers might reduce prices by as much as $139 a year.

To discover how much you can save, click here to get a free quote or quote prices from the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

Remember that these estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a rate discount in Minnesota. So the car insurance company that can offer you the lowest price may not even be featured in the list above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.

Minnesota car insurance companies ranked

Choosing the right car insurance provider can be a challenge considering how many choices drivers have in Minnesota. The information listed below can help you pick which coverage providers you want to consider when shopping car insurance rates in Minnesota.

The ratings below are only made up of large insurance companies, so smaller companies that only insure vehicles in Minnesota are not taken into consideration for this list. To check rates and find cheaper insurance in Minnesota, follow this link.

Top 10 Major Auto Insurance Companies in Minnesota Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Liberty Mutual
  6. GEICO
  7. Travelers
  8. Allstate
  9. The Hartford
  10. Esurance

Top 10 Major Auto Insurance Companies in Minnesota Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. State Farm
  5. Liberty Mutual
  6. Safeco Insurance
  7. Allstate
  8. 21st Century
  9. Travelers
  10. The General

Cost difference between full coverage and liability

Finding the best cheap Minnesota auto insurance quotes should be important to most people, and an easy way to buy cheap insurance is to not buy comprehensive and collision coverage. The diagram below illustrates the comparison of annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $1,639 per year over and above liability coverage. At some point, almost every driver questions if paying for full coverage is worth it. There is no clear-cut rule for dropping physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s claim settlement value is $12,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $11,000 after paying your policy deductible. If it’s costing in excess of $1,100 annually for your policy with full coverage, then it might be time to buy liability only.

Your low-price policy may be costing you money

Minnesota car insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Getting older, becoming a homeowner, or having an accident may cause policy rate changes that may make certain companies cheaper than competitors. Not only may your risk profile change, but insurers change premium rates as often as every quarter in order to remain profitable. Significantly higher claims may cause rate hikes, while profitable underwriting can cause cheaper Minnesota car insurance rates.

The graph below shows the company with the cheapest car insurance in Minnesota for a 35-year-old female driver with a clean driving record, no accidents, and great credit. If we look at prices based on her personal profile, Travelers may offer the best car insurance rates in Minnesota at $667 annually. This is $754 less than the average rate paid by Minnesota drivers of $1,421. Farm Bureau Mutual, USAA, Western National, and West Bend Mutual are the remainder of the cheapest Minnesota auto insurance companies.

The next chart shows rates after we give the driver in the first chart a chargeable accident, less-than-perfect credit, and a stop sign violation. Because each insurer uses a different method for setting prices, analyzing rates could now result in a significantly different list of companies as shown below.

Allied now has the best auto insurance rate in Minnesota with Farm Bureau Mutual, USAA, State Farm, and California Casualty also having competitive pricing. This shows why consumers need to take the time to perform an extensive rate comparison when trying to find affordable auto insurance quotes in Minnesota. Auto insurance prices are made up of many things and change dramatically, so the lowest-price company when you last compared rates may now be an over-priced policy.

Use our FREE quote tool to compare insurance rates now!

Case Studies: Best Cheap Minnesota Auto Insurance Quotes

Case Study 1: Home Insurance Claim

John, a homeowner in Minnesota, experienced significant water damage in his house due to a burst pipe. He promptly filed a claim with his insurance company, providing all necessary documentation. The insurance company sent an adjuster to assess the damage and approved the claim. Cost covered, repairs done, John’s home restored.

Case Study 2: Auto Insurance Comprehensive Claim

Sarah parked her car outside during a severe hailstorm in Minnesota. The hailstones caused extensive damage to her vehicle, including dents and broken windows. Sarah filed a comprehensive claim with her auto insurance company, providing evidence of the damage. Insurance approved claim, covered repairs, Sarah’s car fixed, no major expenses.

Case Study 3: Life Insurance Policy for Financial Protection

Mark, a family man in Minnesota, had a life insurance policy to ensure financial security for his loved ones in case of his untimely death. Unfortunately, Mark passed away unexpectedly. His beneficiaries filed a claim with the life insurance company, submitting the necessary documents. Insurance processed claim, provided death benefit to Mark’s family.

Frequently Asked Questions

How can I find the best cheap auto insurance quotes in Minnesota?

To find the best cheap auto insurance quotes in Minnesota, you can follow these steps:

  • Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options.
  • Use online comparison tools: Utilize online insurance comparison tools that allow you to compare quotes from different insurers in Minnesota.
  • Consider local and regional insurers: In addition to well-known national insurers, consider local or regional insurance companies that may offer competitive rates in Minnesota.
  • Review available discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features installed in your vehicle.
  • Assess coverage needs: Ensure that the quotes you receive provide the coverage levels and options that meet your specific needs.

Are there any specific insurance companies known for offering cheap auto insurance quotes in Minnesota?

There are several insurance companies known for offering competitive rates and cheap auto insurance quotes in Minnesota. Some popular options include State Farm, Progressive, Geico, Farmers Insurance, and American Family Insurance. However, it’s important to remember that insurance rates can vary depending on various factors such as your location, driving record, and the coverage options you choose. It’s recommended to obtain quotes from multiple insurers to compare prices and find the best option for you.

How can I lower my auto insurance premiums in Minnesota?

To lower your auto insurance premiums in Minnesota, you can consider the following strategies:

  • Increase your deductibles: Opting for higher deductibles can lower your premiums, but remember that you’ll need to pay the deductible amount out of pocket if you file a claim.
  • Bundle policies: If you have multiple insurance needs, such as home or renters insurance, consider bundling them with the same insurance company to potentially receive a multi-policy discount.
  • Maintain a good driving record: Safe driving habits can help you avoid accidents and traffic violations, which can lead to lower premiums over time.
  • Install safety features: Equipping your vehicle with safety features like anti-theft devices, anti-lock brakes, or airbags can often result in discounts on your premiums.
  • Inquire about discounts: Ask your insurance company about available discounts, such as good student discounts, low-mileage discounts, or discounts for completing defensive driving courses.

Are there any state-specific factors that affect auto insurance rates in Minnesota?

Yes, several state-specific factors can influence auto insurance rates in Minnesota. These include:

  • Minnesota’s no-fault insurance system: Minnesota follows a no-fault insurance system, which can impact insurance rates and claim processes.
  • Location: Where you live in Minnesota can affect your rates, as areas with higher population density or higher rates of accidents may have higher premiums.
  • Minnesota weather: The state’s harsh winters and snowy conditions can contribute to increased accident risks, potentially impacting insurance rates.
  • Legal requirements: Familiarize yourself with Minnesota’s minimum auto insurance requirements to ensure you meet the necessary coverage levels.

Should I prioritize price over coverage when choosing cheap auto insurance in Minnesota?

While price is an important factor, it’s crucial not to prioritize it solely over coverage when choosing auto insurance in Minnesota. Adequate coverage is essential to protect yourself financially in case of an accident or damage to your vehicle. Consider your specific coverage needs and strike a balance between affordable premiums and the coverage levels required to meet your needs. Ensure that the insurance policy provides sufficient liability coverage, collision coverage, and comprehensive coverage based on your circumstances and the value of your vehicle.

Can I switch auto insurance companies if I find a cheaper quote in Minnesota?

Yes, you have the option to switch auto insurance companies if you find a cheaper quote in Minnesota. Before making the switch, consider the following steps:

  • Review your current policy: Carefully review your existing policy to understand the coverage and any cancellation fees or penalties that may apply.
  • Compare coverage: Ensure that the new insurance policy provides the same or better coverage compared to your current policy.
  • Check for coverage gaps: Verify that there are no gaps in coverage during the transition from one insurance company to another.
  • Timing: Coordinate the start date of your new policy with the cancellation date of your current policy to avoid any lapses in coverage.
  • Notify your current insurer: Inform your current insurance company of your decision to switch and follow their instructions for cancellation or policy termination.
  • Consider customer reviews and reputation: Research the new insurance company’s customer reviews, ratings, and reputation to ensure they provide reliable service and handle claims efficiently.

Should I only consider price when switching auto insurance companies in Minnesota?

While price is an important consideration when switching auto insurance companies, it’s not the only factor to consider. In addition to affordable premiums, evaluate the new insurance company based on factors such as their financial stability, customer service, claims handling process, and reputation for resolving customer issues promptly. It’s important to choose an insurance company that not only offers competitive pricing but also provides reliable coverage and excellent customer support.

Can an insurance agent assist me in finding the best cheap auto insurance in Minnesota?

Yes, an insurance agent can be a valuable resource in finding the best cheap auto insurance in Minnesota. Insurance agents have knowledge of the insurance market and can help you navigate through various insurance options. They can provide personalized guidance, evaluate your coverage needs, and compare quotes from multiple insurance companies to find the best and most affordable policy for you. Consulting an insurance agent can simplify the process and ensure that you have the necessary coverage at a competitive price.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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