Best Car Insurance in Minnesota

Auto-Owners delivers the best overall car insurance in Minnesota for young drivers and those with violations. Beyond standard liability, collision and comprehensive insurance, coverage includes pet medical expenses after accidents, custom parts protection for modified vehicles and gap coverage for totaled vehicles with remaining loan balances. Rental car reimbursement and roadside assistance round out the offerings.

Auto-Owners leads Minnesota insurers in customer experience. Regional offices throughout the state provide 24/7 support for claims and emergencies. The mobile app handles claims reporting, payments and digital ID cards. Auto-Owners demonstrates expertise handling Minnesota's severe winter weather damage, flash floods and tornadoes, with customers reporting faster response times than competitors.

Young drivers pay an average of $101 monthly with Auto-Owners, while drivers with older cars pay just $37 monthly. Drivers with speeding tickets average $66 monthly. These rates position Auto-Owners as both best and cheapest for young drivers and those with violations.

Read our review: Auto-Owners Car Insurance Review

State Farm has low rates for Minnesota drivers with DUIs or accidents. Monthly premiums start at $33 for minimum coverage and $94 for full coverage, averaging $767 annually. State Farm earns a 4.7 affordability score: lower premiums for higher-risk drivers who pay more elsewhere.
Coverage includes rideshare driver protection, pet injury coverage and gap insurance through the Payoff Protector program. Add-ons include emergency road service, car rental coverage and custom vehicle equipment protection. Drive Safe and Save cuts premiums up to 30% based on driving habits. Comprehensive coverage pays for Minnesota's severe weather risks like hail and storm damage. Coverage scores 2.5 out of 5: below competitors.
State Farm scores 3.9 out of 5 for customer experience. 24/7 support and a mobile app handle claims and payments. Local agents know Minnesota's no-fault insurance requirements and Personal Injury Protection needs. Claims processing speed varies across the state.

Read our review: State Farm Car Insurance Review

North Star delivers the most affordable coverage for drivers with bad credit or low income in Minnesota. Low-income drivers pay $31 monthly for minimum coverage and $93 monthly for full coverage, the state's lowest rates for budget-conscious drivers.

North Star ranks 8th among Minnesota insurers for customer experience with a 3.5 out of 5 score. Without a mobile app, customers handle claims and support through phone, email or website. Claims processing is straightforward, though response times vary.

North Star scores 3.0 out of 5 for coverage options, ranking fifth in Minnesota. Details about gap insurance, roadside assistance and other additional coverage types require contacting local offices directly

Read our review: North Star Car Insurance Review