Car insurance costs continue to climb, but smart Minnesota drivers can still save by shopping around. 

We analyzed 14 car insurance companies and over 1,000 rates to find the cheapest car insurance in Minnesota. We also evaluated rates for drivers ages 20 to 80 for various coverage levels and for drivers with speeding tickets, accidents, poor credit and more. We found a range of savings so be sure to review our research to identify which insurer has the lowest rates for your driver profile. 

The Cheapest Car Insurance Companies in Minnesota for Good Drivers

Cheapest for... Company Average monthly cost in Minnesota Learn more
$209
Via Forbes Advisor's Partner
Nationwide
$110
Via Forbes Advisor's Partner
Nationwide
$107
Via Forbes Advisor's Partner
Nationwide
$99
Via Forbes Advisor's Partner
Nationwide
$88
Via Forbes Advisor's Partner
Nationwide
$88
Via Forbes Advisor's Partner
80-year-olds
Nationwide
$102
Via Forbes Advisor's Partner
Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Cheap Car Insurance for 20-Year-Olds in Minnesota

Young drivers in Minnesota can face very high insurance costs, especially if you’re not on a parent’s car insurance policy. In Minnesota, these companies had the cheapest car insurance according to our analysis.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Minnesota

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Nationwide: $209 a month
  2. Travelers: $214 a month
  3. Farm Bureau Mutual (Iowa): $232 a month
  4. Auto-Owners: $248 a month
  5. Auto Club Group: $271 a month

Cheapest Minimum Coverage for 20-Year-Olds in Minnesota

If you’re looking for only the required auto insurance in Minnesota, check rates from these companies.

  1. Auto-Owners: $68 a month
  2. National Farmers Union: $74 a month
  3. North Star: $75 a month
  4. Travelers: $85 a month
  5. State Farm: $91 a month

Cheapest Auto Insurance for 20-Year-Olds in Minnesota With Poor Credit

Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

  1. Nationwide: $307 a month
  2. West Bend Mutual: $383 a month
  3. Farm Bureau Mutual (Iowa): $410 a month
  4. Geico: $445 a month
  5. Country: $510 a month

Cheapest Auto Insurance for 20-Year-Olds in Minnesota With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Minnesota for drivers with a speeding ticket.

  1. Nationwide: $231 a month
  2. Farm Bureau Mutual (Iowa): $244 a month
  3. Travelers: $261 a month
  4. State Farm: $300 a month
  5. Auto-Owners: $306 a month

Cheapest Car Insurance in Minnesota for 20-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Minnesota drivers who caused an accident that injured someone else.

  1. Nationwide: $238 a month
  2. Travelers: $281 a month
  3. Farm Bureau Mutual (Iowa): $289 a month
  4. Auto-Owners: $303 a month
  5. State Farm: $325 a month

Cheapest Auto Insurance for 20-Year-Olds in Minnesota After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Minnesota who have a DUI conviction.

  1. Nationwide: $269 a month
  2. State Farm: $301 a month
  3. Travelers: $327 a month
  4. Western National: $356 a month
  5. Farm Bureau Mutual (Iowa): $430 a month

Cheap Car Insurance for 30-Year-Olds in Minnesota

Drivers age 30 in Minnesota can find steep insurance quotes depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Minnesota

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Nationwide: $110 a month
  2. Farm Bureau Mutual (Iowa): $132 a month
  3. Travelers: $138 a month
  4. Auto Club Group: $148 a month
  5. West Bend Mutual: $156 a month

Cheapest Minimum Coverage for 30-Year-Olds in Minnesota

If you’re looking for only the minimum auto insurance in Minnesota, check quotes from these companies.

  1. Auto-Owners: $40 a month
  2. North Star: $41 a month
  3. Farm Bureau Mutual (Iowa): $45 a month
  4. West Bend Mutual: $48 a month
  5. Geico: $49 a month

Cheapest Auto Insurance for 30-Year-Olds in Minnesota With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

  1. Nationwide: $158 a month
  2. Geico: $209 a month
  3. West Bend Mutual: $232 a month
  4. Farm Bureau Mutual (Iowa): $245 a month
  5. North Star: $320 a month

Cheapest Auto Insurance for 30-Year-Olds in Minnesota With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Minnesota for drivers with a speeding ticket.

  1. Nationwide: $126 a month
  2. Farm Bureau Mutual (Iowa): $138 a month
  3. Travelers: $174 a month
  4. State Farm: $175 a month
  5. Western National: $184 a month

Cheapest Car Insurance in Minnesota for 30-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Minnesota drivers who caused an accident that injured someone else.

  1. Nationwide: $154 a month
  2. Farm Bureau Mutual (Iowa): $163 a month
  3. Western National: $184 a month
  4. Travelers: $186 a month
  5. Auto-Owners: $188 a month

Cheapest Auto Insurance for 30-Year-Olds in Minnesota After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Minnesota who have a DUI conviction.

  1. State Farm: $175 a month
  2. Nationwide: $181 a month
  3. Western National: $184 a month
  4. Travelers: $216 a month
  5. West Bend Mutual: $226 a month

Cheap Car Insurance for 40-Year-Olds in Minnesota

Minnesota drivers age 40 can typically save substantial money by comparing quotes from multiple insurers. We looked at which insurers offer the lowest rates in Minnesota, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Minnesota

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Nationwide: $107 a month
  2. Travelers: $127 a month
  3. Farm Bureau Mutual (Iowa): $128 a month
  4. Auto Club Group: $133 a month
  5. West Bend Mutual: $146 a month

Cheapest Minimum Coverage for 40-Year-Olds in Minnesota

If you’re looking for only the required auto insurance in Minnesota, check quotes from these companies.

  1. North Star: $41 a month
  2. Auto-Owners: $43 a month
  3. Farm Bureau Mutual (Iowa): $45 a month
  4. West Bend Mutual: $46 a month
  5. Western National: $48 a month

Cheapest Auto Insurance for 40-Year-Olds in Minnesota With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

  1. Nationwide: $153 a month
  2. Geico: $209 a month
  3. West Bend Mutual: $217 a month
  4. Farm Bureau Mutual (Iowa): $245 a month
  5. Auto Club Group: $313 a month

Cheapest Auto Insurance for 40-Year-Olds in Minnesota With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Minnesota for drivers with a speeding ticket.

  1. Nationwide: $122 a month
  2. Farm Bureau Mutual (Iowa): $134 a month
  3. State Farm: $170 a month
  4. Travelers: $170 a month
  5. Western National: $176 a month

Cheapest Car Insurance in Minnesota for 40-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Minnesota drivers who caused an accident that injured someone else.

  1. Nationwide: $149 a month
  2. Farm Bureau Mutual (Iowa): $159 a month
  3. Western National: $176 a month
  4. Travelers: $182 a month
  5. State Farm: $185 a month

Cheapest Auto Insurance for 40-Year-Olds in Minnesota After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Minnesota who have a DUI conviction.

  1. State Farm: $170 a month
  2. Western National: $176 a month
  3. Nationwide: $176 a month
  4. West Bend Mutual: $211 a month
  5. Travelers: $212 a month

Cheap Car Insurance for 50-Year-Olds in Minnesota

Minnesota drivers in their 50s are enjoying the lowest rates they’ll get based on age. But an imperfect driving record can make cheap car insurance hard to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Minnesota

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Nationwide: $99 a month
  2. Farm Bureau Mutual (Iowa): $109 a month
  3. Travelers: $122 a month
  4. Auto Club Group: $127 a month
  5. West Bend Mutual: $136 a month

Cheapest Minimum Coverage for 50-Year-Olds in Minnesota

If you’re looking for only the minimum auto insurance in Minnesota, check rates from these companies.

  1. North Star: $37 a month
  2. Farm Bureau Mutual (Iowa): $37 a month
  3. Auto-Owners: $41 a month
  4. Western National: $44 a month
  5. West Bend Mutual: $44 a month

Cheapest Auto Insurance for 50-Year-Olds in Minnesota With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

  1. Nationwide: $141 a month
  2. Geico: $195 a month
  3. West Bend Mutual: $202 a month
  4. Farm Bureau Mutual (Iowa): $207 a month
  5. North Star: $284 a month

Cheapest Auto Insurance for 50-Year-Olds in Minnesota With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Minnesota for drivers with a speeding ticket.

  1. Nationwide: $114 a month
  2. Farm Bureau Mutual (Iowa): $114 a month
  3. Western National: $161 a month
  4. Travelers: $162 a month
  5. State Farm: $165 a month

Cheapest Car Insurance in Minnesota for 50-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Minnesota drivers who caused an accident that injured someone else.

  1. Farm Bureau Mutual (Iowa): $135 a month
  2. Nationwide: $139 a month
  3. Western National: $161 a month
  4. Travelers: $174 a month
  5. Auto-Owners: $177 a month

Cheapest Auto Insurance for 50-Year-Olds in Minnesota After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Minnesota who have a DUI conviction.

  1. Western National: $161 a month
  2. State Farm: $165 a month
  3. Nationwide: $166 a month
  4. West Bend Mutual: $196 a month
  5. Farm Bureau Mutual (Iowa): $200 a month

Cheap Car Insurance for 60-Year-Olds in Minnesota

Car insurance rates often begin to go up every year around age 65, even if you have a stellar driving record. We found the cheapest companies for Minnesota drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Minnesota

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Nationwide: $88 a month
  2. Farm Bureau Mutual (Iowa): $108 a month
  3. Travelers: $110 a month
  4. Auto Club Group: $121 a month
  5. West Bend Mutual: $138 a month

Cheapest Minimum Coverage for 60-Year-Olds in Minnesota

If you’re looking for only the required auto insurance in Minnesota, check quotes from these companies.

  1. North Star: $37 a month
  2. Farm Bureau Mutual (Iowa): $37 a month
  3. Auto-Owners: $38 a month
  4. National Farmers Union: $43 a month
  5. Western National: $44 a month

Cheapest Auto Insurance for 60-Year-Olds in Minnesota With Poor Credit

Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

  1. Nationwide: $126 a month
  2. Geico: $195 a month
  3. West Bend Mutual: $204 a month
  4. Farm Bureau Mutual (Iowa): $206 a month
  5. North Star: $284 a month

Cheapest Auto Insurance for 60-Year-Olds in Minnesota With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Minnesota for drivers with a speeding ticket.

  1. Nationwide: $104 a month
  2. Farm Bureau Mutual (Iowa): $113 a month
  3. Travelers: $152 a month
  4. State Farm: $154 a month
  5. Western National: $161 a month

Cheapest Car Insurance in Minnesota for 60-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Minnesota drivers who caused an accident that injured someone else.

  1. Nationwide: $126 a month
  2. Farm Bureau Mutual (Iowa): $134 a month
  3. Western National: $161 a month
  4. Travelers: $163 a month
  5. Auto-Owners: $165 a month

Cheapest Auto Insurance for 60-Year-Olds in Minnesota After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Minnesota who have a DUI conviction.

  1. Nationwide: $154 a month
  2. State Farm: $154 a month
  3. Western National: $161 a month
  4. Travelers: $188 a month
  5. West Bend Mutual: $199 a month

Cheap Car Insurance for 70-Year-Olds in Minnesota

Minnesota drivers age 70 are facing higher rates due to age. But relatively cheap car insurance can still be found by comparing quotes from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Minnesota

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Nationwide: $88 a month
  2. Farm Bureau Mutual (Iowa): $104 a month
  3. Travelers: $115 a month
  4. Auto Club Group: $137 a month
  5. Auto-Owners: $140 a month

Cheapest Minimum Coverage for 70-Year-Olds in Minnesota

If you’re looking for only the minimum auto insurance in Minnesota, check prices from these companies.

  1. North Star: $35 a month
  2. National Farmers Union: $38 a month
  3. Farm Bureau Mutual (Iowa): $41 a month
  4. Auto-Owners: $44 a month
  5. State Farm: $46 a month

Cheapest Auto Insurance for 70-Year-Olds in Minnesota With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

  1. Nationwide: $126 a month
  2. Farm Bureau Mutual (Iowa): $202 a month
  3. Geico: $216 a month
  4. West Bend Mutual: $232 a month
  5. North Star: $281 a month

Cheapest Auto Insurance for 70-Year-Olds in Minnesota With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Minnesota for drivers with a speeding ticket.

  1. Nationwide: $104 a month
  2. Farm Bureau Mutual (Iowa): $109 a month
  3. State Farm: $154 a month
  4. Travelers: $166 a month
  5. Auto-Owners: $173 a month

Cheapest Car Insurance in Minnesota for 70-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Minnesota drivers who caused an accident that injured someone else.

  1. Nationwide: $127 a month
  2. Farm Bureau Mutual (Iowa): $129 a month
  3. State Farm: $166 a month
  4. Auto-Owners: $172 a month
  5. Western National: $179 a month

Cheapest Auto Insurance for 70-Year-Olds in Minnesota After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Minnesota who have a DUI conviction.

  1. Nationwide: $154 a month
  2. State Farm: $154 a month
  3. Western National: $179 a month
  4. Farm Bureau Mutual (Iowa): $192 a month
  5. Travelers: $207 a month

Cheapest Car Insurance In Minneapolis, Minnesota

Cheapest for . . . Company Average monthly cost in Minneapolis Learn more
Good drivers
Nationwide
$132
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Nationwide
$153
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Nationwide
$188
Via Forbes Advisor's Partner
Drivers with a DUI
Western National
$193
Via Forbes Advisor's Partner
Driver with poor credit
Nationwide
$197
Via Forbes Advisor's Partner

Cheapest Car Insurance In St. Paul, Minnesota

Cheapest for . . . Company Average monthly cost in St. Paul Learn more
Good drivers
Nationwide
$152
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Nationwide
$176
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Farm Bureau Mutual (Iowa)
$211
Via Forbes Advisor's Partner
Drivers with a DUI
State Farm
$255
Via Forbes Advisor's Partner
Driver with poor credit
Nationwide
$227
Via Forbes Advisor's Partner
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Cheapest Car Insurance In Rochester, Minnesota

Cheapest for . . . Company Average monthly cost in Rochester Learn more
Good drivers
Nationwide
$100
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Nationwide
$116
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Farm Bureau Mutual (Iowa)
$140
Via Forbes Advisor's Partner
Drivers with a DUI
Western National
$141
Via Forbes Advisor's Partner
Driver with poor credit
West Bend Mutual
$144
Via Forbes Advisor's Partner
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Buy Cheap Car Insurance in Minnesota

When it comes to finding low-cost car insurance in Minnesota, a few tips can make a lot of difference. The best car insurance options for you will combine a competitive price with the coverage features you want.

Compare Rates from Several Car Insurance Companies

A simple way to find cheap car insurance in Minnesota is to compare insurance quotes from several companies. If you don’t have a range of quotes to compare, you won’t know if you’re getting a good deal. Even if your driving record isn’t great, shopping around can show significant rate differences among companies.

Consider Switching Companies If Your Driving Record Changes

If your driving record changes, you might find that your Minnesota car insurance company no longer has low-cost insurance for you. If you’ve gotten a ticket or caused an auto accident, you may need to switch car insurance companies to get a lower cost.

Regularly Review Your Auto Insurance Policy

You may be able to get cost savings by removing car insurance coverage you no longer need, such as roadside assistance or new car replacement coverage. If you haven’t reviewed your car policy in a while, it may be a good time to assess your policy.

Rethink Your Deductible

You have a car insurance deductible if you have collision and comprehensive insurance. By raising that deductible you can get cheaper car insurance. Keep in mind that a larger deductible will mean you pay a larger portion of car repair costs if you make a claim.

Look Into Car Insurance Discounts

Every dollar saved can help you budget, making it wise to explore all available car insurance discounts. While some discounts are added automatically during the quote process, inquire about additional potential savings that your insurer may not know you qualify for. For example, you may have a high school or college student in your household who qualifies for a good student discount. Or if you no longer have a long commute and are driving fewer annual miles, you may be eligible for a lower car insurance rate.

Take Advantage of Bundling

If you need more than a Minnesota auto insurance policy, you can often get a good discount by bundling car insurance. You can generally bundle auto insurance with renters, condo or home insurance. Some insurers offer bundling discounts for boat, RV and even life insurance. Our analysis found an average discount of 14% for bundling auto and home insurance.

Optimize Your Insurance Payment Strategy

The way you pay your car insurance bill can lead to additional discounts. These discounts are generally small, but they are simple to get. Your insurance company might have discounts for:

  • Using EFT if you’re paying in installments.
  • Paying for the whole policy term in one lump sum.
  • Going paperless for both billing and policy documents.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.

Cheap Car Insurance Companies 2025

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Via Forbes Advisor's Partner