Best Car Insurance in Minnesota for 2026

State Farm averages $112/month for full coverage in Minnesota, 26% below the state average of $152/month and the second-lowest full coverage rate among the top five after Auto-Owners. Minimum coverage averages $48/month. For young drivers, State Farm's Steer Clear program and good-student discount help offset the typical age surcharge. For drivers with a speeding ticket, State Farm's rate increase is moderate; for at-fault accidents, the surcharge is in line with the state average.

State Farm scores 659 in J.D. Power's 2025 Central regional study, ranking first among the top five Minnesota carriers and 10 points above the 649 regional average. Its NAIC complaint index is below the industry median, indicating fewer-than-expected complaints relative to its market share. State Farm's Minnesota agent network is dense in the Twin Cities area, supporting faster in-person service for complex claims. One specific strength: its claims mobile app receives consistently high ratings for ease of photo submission and status tracking.

State Farm offers rideshare endorsements in Minnesota, along with rental reimbursement, roadside assistance, and accident forgiveness. Its Drive Safe & Save telematics program is available statewide and can reduce premiums for low-mileage drivers. State Farm does not offer gap insurance directly; drivers financing a new vehicle need to purchase that coverage elsewhere. The coverage menu is best suited for Minnesota drivers seeking a reliable all-around policy with strong claims support rather than the most specialized add-on set.

Auto-Owners averages $93/month for full coverage in Minnesota, the lowest among the top five and 39% below the state average of $152/month. Minimum coverage averages $38/month. For young drivers, Auto-Owners' rates are competitive but not the lowest in the state; its pricing model rewards older, lower-risk profiles most.

Auto-Owners scores 651 in J.D. Power's 2025 Central study, just above the 649 regional average. Its NAIC complaint index is well below the national median, meaning it gets fewer complaints than most insurers its size. Its customer experience score of 4.55/5 is slightly lower than State Farm's mainly because its online claims tools aren't as developed. If you live outside the Twin Cities, its independent agent network is strong in mid-sized cities and rural areas, which is a plus if you'd rather work with a local agent than manage your policy through an app.

Auto-Owners covers the basics well: roadside assistance, rental reimbursement, accident forgiveness, and an OEM parts endorsement that makes sure original manufacturer parts are used in repairs. That last one matters in Minnesota, where road salt and freeze-thaw cycles are hard on vehicles. However, gap insurance isn't available in all markets (a drawback if you're financing a new car), and rideshare endorsements aren't broadly offered. Overall, Auto-Owners is a good fit if you have a newer or well-maintained vehicle and want solid repair quality at a competitive price.

Progressive averages $127/month for full coverage in Minnesota, below the state average of $152/month. Minimum coverage averages $54/month. The pricing advantage is strongest for Minnesota drivers with violations: rates after a DWI are among the lowest in the state, and speeding ticket surcharges come in below the state average. For young drivers, Progressive is competitive but not the cheapest option, and seniors see moderate rate increases. If your driving record is clean, other carriers in the top five will likely beat Progressive on price.

Progressive scores 641 in J.D. Power's 2025 Central study (8 points below the 649 regional average) and its NAIC complaint index sits near the industry median. That gives it a MoneyGeek customer experience score lower than State Farm and Auto-Owners. The offset is its digital tools: Progressive's mobile app and online claims portal are among the most capable in the top five and consistently rated easy to use. So if you'd rather file a claim through an app than call an agent, Progressive holds up better than its satisfaction score alone suggests.

Progressive offers roadside assistance, rental reimbursement, rideshare endorsements, gap insurance, and custom parts coverage in Minnesota, along with its Snapshot telematics program statewide. It doesn't offer new car replacement. The gap insurance is worth noting for drivers financing their car — Minnesota winters and road salt can accelerate depreciation, making that coverage more useful here than in other states. Overall, Progressive ranks fourth among the top five for coverage options, with Travelers offering a wider selection. But if you drive for a rideshare service and carry a loan on your car, Progressive is the strongest fit in the top five.

Travelers averages $134/month for full coverage in Minnesota — that's 12% below the state average, but it's still the second-most expensive option among the top five. Minimum coverage averages $57/month. If you're a young driver, Travelers probably isn't your best bet; State Farm and Auto-Owners tend to offer better rates for that age group. Speeding tickets bring moderate surcharges, but an at-fault accident will push your rate up more than the state average. If you're a safe driver, the IntelliDrive program can help bring costs down.

Travelers scores 638 in J.D. Power's 2025 Central study, which is 11 points below the regional average and the lowest score among the top five. Its complaint volume is close to the industry middle. Travelers has the biggest difference between its coverage score (4.75/5) and its customer experience score (4.05/5) of any carrier in the top five — so it's great at what it covers, but not as strong when it comes to the claims experience. If smooth claims handling matters most to you, that's worth thinking about. If you want the most complete coverage and are okay trading some service quality for it, Travelers still makes sense.

Travelers has the strongest coverage lineup of any carrier in the top five, earning a 4.75/5 coverage score. In Minnesota, it offers gap insurance, new car replacement, accident forgiveness, rideshare endorsements, roadside assistance, rental reimbursement, custom parts coverage, and its IntelliDrive telematics program statewide. The new car replacement coverage is especially worth mentioning for Minnesota drivers; road salt and harsh winters wear vehicles down faster here, so having replacement-cost coverage matters more than it would in a warmer state. If you have a newer financed car and want the most complete protection available, Travelers is the top choice in the group — just be ready to pay a bit more for it.

Allstate averages $148/month for full coverage and $63/month for minimum coverage in Minnesota, the highest among the top five for both. For young drivers, Allstate's Drivewise and good-student discounts can reduce premiums by up to 25% when stacked. But speeding ticket and at-fault accident surcharges are above the state average, limiting Allstate's competitiveness for drivers with violations.

Allstate scores 631 in J.D. Power's 2025 Central study — the lowest of the top five and 18 points below the regional average. Its complaint volume runs slightly above the industry median. Even so, its MoneyGeek customer experience score comes in at 4.20/5, which is higher than the J.D. Power number alone would suggest. That's because Allstate has one of the largest agent networks in Minnesota, covering both the Twin Cities and greater Minnesota, plus above-average digital claims tools. If having a local agent you can walk into matters to you, Allstate delivers on that better than most in this group — even if its overall satisfaction score lags behind.

Allstate keeps things simple in Minnesota: roadside assistance, rental reimbursement, rideshare endorsements, accident forgiveness, and Drivewise telematics statewide. What it doesn't have is gap insurance, new car replacement, or much in the way of custom parts coverage — and that's why it ranks last among the top five for coverage. If you're financing a new car, those missing pieces matter. But if you just need a solid everyday policy and want to stack discounts (especially as a family with a teen driver) Allstate gets the job done.