Auto-Owners is the best overall car insurance company in Minnesota, earning a MoneyGeek score of 4.75 out of 5 for its strong customer service and competitive rates. Since insurance needs vary by driver, we also recommend considering Travelers, AAA, Westfield and State Farm.
Best Car Insurance in Minnesota
Updated: August 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Minnesota is Auto-Owners, leading the pack with the highest customer satisfaction rating in the state
Auto-Owners offers excellent coverage for young drivers in Minnesota, while Travelers stands out as the top choice for drivers with newer cars
To secure the best car insurance in Minnesota, decide on coverage needs first, research provider options and compare plenty of quotes before making your choice
Best Car Insurance Companies in Minnesota
| Auto-Owners | 4.75 | $59 | 1 | 5 |
| Travelers | 4.49 | $69 | 2 | 4 |
| AAA | 4.33 | $60 | 4 | 6 |
| Westfield | 4.29 | $56 | 8 | 6 |
| State Farm | 4.27 | $64 | 3 | 6 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Minnesota by Driver Profile
Auto-Owners leads in eight out of ten Minnesota driver categories, demonstrating clear market dominance. North Star ranks first in affordability for low-income drivers, while Travelers ranks first for the most affordable coverage for newer vehicles.
| Young Drivers | Auto-Owners | 1 | 1 | 5 |
| Adult Drivers | Auto-Owners | 2 | 1 | 5 |
| Senior Drivers | Auto-Owners | 4 | 1 | 5 |
| Drivers With an Accident | Auto-Owners | 3 | 1 | 5 |
| Drivers With a DUI | Auto-Owners | 4 | 1 | 5 |
| Drivers With a Speeding Ticket | Auto-Owners | 1 | 1 | 5 |
| Drivers With Bad Credit | Auto-Owners | 6 | 1 | 5 |
| Drivers With Low Income | North Star Insurance | 1 | 8 | 5 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 4 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Minnesota Car Insurance Recommendations
Our research provides general insurance recommendations, but your unique profile might align better with different providers. Compare these top five insurance companies that match your specific needs.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.66 | $217 | 1 | 5 |
| Travelers | 4.46 | $282 | 2 | 4 |
| Western National Insurance | 4.44 | $166 | 10 | 2 |
| North Star Insurance | 4.30 | $173 | 8 | 5 |
| Westfield | 4.29 | $150 | 8 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Minnesota Car Insurance Reviews
See detailed breakdowns of our top-rated insurance companies below.
Auto-Owners
Best Cheap Overall in Minnesota
MoneyGeek Rating
4.8/ of 5
4.9/5Affordability
5/5Customer Experience
3/5Coverage Options
Average Monthly Full Coverage Cost
$82For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$36For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
Travelers
Best Customer Experience in Minnesota
MoneyGeek Rating
4.5/ of 5
4.6/5Affordability
4.6/5Customer Experience
3.7/5Coverage Options
Average Monthly Full Coverage Cost
$91For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$47For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
How to Find the Best Car Insurance in Minnesota
Shopping for car insurance in Minnesota doesn't have to be complicated. Our guide helps you find coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Decide what coverage you need. Consider your driving habits, location and finances when deciding the level of insurance you need while meeting Minnesota required minimums.
- 2
Research average costs and discounts you may qualify for
Research average car insurance costs in Minnesota. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can help you save.
- 3
Look through provider customer experiences and coverage options thoroughly
Research customer reviews, claim handling experiences and coverage options and add-ons to find a good match for your needs.
- 4
Consider non-standard coverage options
Look into options like non-owner car insurance and pay-per-mile policies that might better suit your situation. Consider requirements for an SR-22 in Minnesota if needed.
- 5
Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible that meets your needs. Get quotes from independent agents, direct from insurers and comparison websites.
- 6
Reassess annually
Review your coverage and compare rates annually to find the best option.
Best Minnesota Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners ranks as the top-rated company overall, while Travelers and AAA are also good options for drivers in Minnesota.
Best Auto Insurance in Minnesota: FAQ
Finding the right car insurance depends on your unique needs, so we've answered common questions to help you choose coverage that fits your situation.
What is the best car insurance company in Minnesota?
Auto-Owners is Minnesota's best car insurer with a MoneyGeek score of 4.75 out of 5 and an average monthly premium of $82 for full coverage.
What is the best car insurance company for minimum coverage in Minnesota?
Westfield stands as the leading choice for minimum coverage in Minnesota, offering rates starting at $244 per year.
What is the best car insurance in Minnesota for young drivers?
Auto-Owners provides the best insurance for young adults in Minnesota, combining competitive rates at $683 annually for minimum coverage with strong customer service ratings.
What is the best car insurance for Minnesota drivers who value customer service?
Auto-Owners ranks highest for customer experience in Minnesota with a score of 5 out of 5. The company excels in their purchase experience, agent interactions, digital tools and claims handling processes.
What is the best car insurance in Minnesota if you have driving offenses?
Auto-Owners leads the pack for Minnesota drivers with violations, offering monthly rates of $41 for minimum coverage and $91 for full coverage policies.
How We Rated the Best Car Insurance in Minnesota
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Minnesota. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Minnesota. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Minnesota-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.