Westfield offers Minnesota's most affordable coverage, with monthly rates of $20 for minimum coverage and $92 for full coverage. You'll save $23 monthly (29%) compared to state averages. Get quotes from Auto-Owners, AAA, State Farm and North Star too.
Cheapest Car Insurance in Minnesota
Updated: November 5, 2025
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Key Takeaways
The cheapest car insurance companies in Minnesota for most drivers are Westfield Insurance, Auto Owners and AAA, offering average savings of up to 29%.
Car insurance costs can be as low as $12 for minimum coverage and $53 for full coverage policies on average in Minnesota.
To get the cheapest car insurance in Minnesota, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Minnesota?
| Westfield Insurance | $20 | $92 | -29% | $-23 |
| Auto Owners | $36 | $82 | -26% | $-20 |
| AAA | $38 | $83 | -24% | $-19 |
| State Farm | $33 | $94 | -19% | $-15 |
| North Star Insurance | $33 | $101 | -16% | $-12 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$150
High
$109
Average
$69
Low
Rates updated:
Nov 07, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 88 /of 100 | $69 |
| 2 |  GEICO | 75 /of 100 | $101 |
| 3 |  Nationwide | 76 /of 100 | $103 |
| 4 |  Travelers | 77 /of 100 | $112 |
| 5 | 87 /of 100 | $120 | |
| 6 |  Allstate | 61 /of 100 | $150 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Minnesota
Auto-Owners offers the lowest rates for three out of our 10 driver categories in Minnesota, while State Farm, Westfield and North Star each provide the cheapest rates for two categories. Find your specific rates in the table:
| Young Drivers | Auto Owners | $57 |
| Adult Drivers | Westfield Insurance | $19 |
| Senior Drivers | Westfield Insurance | $29 |
| Drivers With An Accident | State Farm | $40 |
| Drivers With A DUI | State Farm | $37 |
| Drivers With A Speeding Ticket | Auto Owners | $41 |
| Drivers With Bad Credit | North Star Insurance | $43 |
| Drivers With Low Income | North Star Insurance | $31 |
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | Auto Owners | $23 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MINNESOTA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Minnesota:
Compare the Cheapest Car Insurance in Minnesota for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Westfield offers the lowest rates at $150 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $91 | $1,095 | -39% | $-707 |
| Westfield Insurance | $94 | $1,134 | -37% | $-668 |
| State Farm | $112 | $1,346 | -25% | $-455 |
| Western National Insurance | $124 | $1,484 | -18% | $-318 |
| Travelers | $129 | $1,543 | -14% | $-258 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Minnesota by City
Westfield Insurance dominates Minnesota cities with the lowest minimum coverage rates in 15 of the state's 20 largest markets. Auto-Owners leads in the remaining five cities. Minnesota drivers pay significantly less than most other states as of October 2025.
Minimum coverage runs $18 to $37 monthly across Minnesota's major cities. Eden Prairie residents pay just $18 monthly with Westfield Insurance, the state's lowest rate. Bloomington and Edina drivers pay $37 monthly through Auto-Owners. Twin Cities suburbs like Lakeville, Minnetonka and St. Cloud stay affordable at $18 to $20 monthly.
| Apple Valley | Westfield Insurance | $21 | -32% | $-26 |
| Blaine | Westfield Insurance | $21 | -35% | $-29 |
| Bloomington | Auto Owners | $37 | -27% | $-23 |
| Brooklyn Park | Westfield Insurance | $22 | -36% | $-33 |
| Burnsville | Westfield Insurance | $20 | -33% | $-26 |
| Coon Rapids | Westfield Insurance | $21 | -36% | $-31 |
| Duluth | Auto Owners | $32 | -28% | $-20 |
| Eagan | Auto Owners | $36 | -29% | $-24 |
| Eden Prairie | Westfield Insurance | $18 | -39% | $-30 |
| Edina | Auto Owners | $37 | -27% | $-22 |
| Lakeville | Westfield Insurance | $18 | -38% | $-30 |
| Maple Grove | Westfield Insurance | $20 | -35% | $-28 |
| Minneapolis | Westfield Insurance | $23 | -47% | $-50 |
| Minnetonka | Westfield Insurance | $18 | -37% | $-29 |
| Plymouth | Westfield Insurance | $21 | -29% | $-23 |
| Rochester | Auto Owners | $33 | -32% | $-24 |
| St. Cloud | Westfield Insurance | $19 | -33% | $-25 |
| St. Louis Park | Westfield Insurance | $22 | -32% | $-28 |
| St. Paul | Westfield Insurance | $23 | -41% | $-42 |
| Woodbury | Westfield Insurance | $21 | -34% | $-28 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Minnesota by Driver Age Group
We compared rates across three age groups in Minnesota: young drivers (16 to 25), adults (26 to 64) and seniors (65+). Westfield Insurance offers the lowest rates for all three groups:
- Young drivers: $40 monthly
- Adult drivers: $19 monthly
- Senior drivers: $29 monthly
Cheapest Car Insurance for Young Drivers in Minnesota
Westfield Insurance offers young Minnesota drivers the lowest rates at $40 monthly ($479) annually, 61% below the state average. Auto-Owners and North Star Insurance charge $57 to $60 monthly.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Westfield Insurance | $40 | $479 | -61% | $-750 |
| Auto Owners | $57 | $683 | -44% | $-546 |
| North Star Insurance | $60 | $720 | -41% | $-509 |
| State Farm | $71 | $852 | -31% | $-377 |
| Travelers | $87 | $1,048 | -15% | $-181 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance for Adult Drivers in Minnesota
For adult drivers, Westfield Insurance offers the most affordable coverage at $19 per month ($231 annually), around 57% cheaper than the state average. North Star Insurance and State Farm also keep premiums low, averaging $30–$33 monthly.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Westfield Insurance | $19 | $231 | -57% | $-304 |
| North Star Insurance | $30 | $366 | -32% | $-169 |
| State Farm | $33 | $394 | -26% | $-141 |
| Auto Owners | $34 | $403 | -25% | $-131 |
| AAA | $37 | $444 | -17% | $-90 |
Cheapest Car Insurance for Senior Drivers in Minnesota
Seniors save the most with Westfield Insurance, paying $29 monthly ($348 annually), about 54% less than the state average. North Star Insurance and State Farm also offer budget-friendly options under $40 per month.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Westfield Insurance | $29 | $348 | -54% | $-401 |
| North Star Insurance | $30 | $361 | -52% | $-389 |
| State Farm | $39 | $468 | -38% | $-281 |
| Auto Owners | $50 | $600 | -20% | $-149 |
| Western National Insurance | $57 | $685 | -9% | $-64 |
Cheapest Car Insurance for High-Risk Drivers in Minnesota
Your driving record heavily impacts Minnesota car insurance rates. Clean records mean low premiums. Violations like texting while driving, speeding tickets, accidents or DUIs raise costs substantially. The table below shows the cheapest providers for different violations.
- Cheapest for Bad Credit: Westfield Insurance (From $40/mo)
- Cheapest With a DUI: State Farm (From $36/mo)
- Cheapest With an Accident: Westfield Insurance (From $28/mo)
- Cheapest With a Speeding Ticket: Westfield Insurance (From $23/mo)
- Cheapest With a Texting While Driving Violation: Westfield Insurance (From $23/mo)
Cheapest Car Insurance for Bad Credit in Minnesota
Drivers with bad credit find the cheapest coverage from Westfield Insurance, averaging $40 per month ($475 annually), around 67% less than the state average. North Star Insurance offers similar rates, while Western National Insurance comes next at $66 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| Westfield Insurance | $40 | $475 | -67% | $-978 |
| North Star Insurance | $40 | $481 | -67% | $-973 |
| Western National Insurance | $66 | $797 | -45% | $-656 |
| Geico | $82 | $984 | -32% | $-470 |
| Auto Owners | $101 | $1,212 | -17% | $-242 |
Cheapest Car Insurance With a DUI in Minnesota
State Farm provides the lowest premiums for drivers with a DUI at $36 monthly ($433 annually), about 65% under the state average. Western National Insurance is close behind at $39 per month, while Westfield Insurance averages $49.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $36 | $433 | -65% | $-803 |
| Western National Insurance | $39 | $463 | -63% | $-774 |
| Westfield Insurance | $49 | $584 | -53% | $-653 |
| Auto Owners | $73 | $879 | -29% | $-357 |
| Travelers | $74 | $884 | -29% | $-353 |
Cheapest Car Insurance With an Accident in Minnesota
After an accident, Westfield Insurance delivers the lowest premiums at $28 monthly ($337 annually), about 59% below average. Western National Insurance and State Farm both keep rates around $39 per month, making them strong alternatives.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Westfield Insurance | $28 | $337 | -59% | $-478 |
| Western National Insurance | $39 | $463 | -43% | $-352 |
| State Farm | $39 | $473 | -42% | $-341 |
| Auto Owners | $46 | $548 | -33% | $-267 |
| North Star Insurance | $51 | $615 | -25% | $-200 |
Cheapest Car Insurance With a Speeding Ticket
Westfield Insurance offers the most affordable rates for drivers with a speeding ticket, averaging $23 per month ($274 annually). This is about 60% cheaper than the state average. North Star Insurance and State Farm also provide competitive rates under $40 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Westfield Insurance | $23 | $274 | -60% | $-412 |
| North Star Insurance | $35 | $419 | -39% | $-266 |
| State Farm | $36 | $433 | -37% | $-252 |
| Auto Owners | $38 | $460 | -33% | $-225 |
| Western National Insurance | $39 | $463 | -32% | $-222 |
Cheapest Car Insurance With a Texting While Driving Violation
Westfield Insurance charges drivers with texting violations just $23 monthly ($274 annually), 59% below the state average. North Star Insurance costs $30 monthly, still well below typical rates.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Westfield Insurance | $23 | $274 | -59% | $-391 |
| North Star Insurance | $30 | $366 | -45% | $-299 |
| Auto Owners | $34 | $403 | -39% | $-261 |
| State Farm | $36 | $433 | -35% | $-231 |
| Western National Insurance | $39 | $463 | -30% | $-202 |
How to Get the Cheapest Car Insurance in Minnesota
Finding cheap Minnesota car insurance takes more than comparing basic rates. Use these strategies to save the most on auto insurance.
- 1Compare insurers across the state
Minnesota car insurance prices vary by location. Twin Cities drivers pay more than rural residents. Compare at least three quotes from national carriers and regional insurers familiar with your area.
- 2Meet Minnesota’s minimum coverage requirements
Minnesota requires higher minimums than most states due to its no-fault system. You need 30/60/10 liability limits, 25/50 uninsured/underinsured motorist coverage and $40,000 in Personal Injury Protection. PIP splits between $20,000 for medical expenses and $20,000 for non-medical costs like lost income or replacement services. Higher minimums mean higher base premiums but stronger financial protection.
- 3Use Minnesota-specific discounts
Beyond standard bundling and good student discounts, Minnesota offers unique savings. Drivers 55 and older get defensive driving discounts for Department of Public Safety-approved courses. Some insurers cut rates for winter tires or extra safety features, given Minnesota's icy roads. Rural drivers with low annual mileage often qualify for additional discounts.
- 4Match coverage to Minnesota’s risks
Minnesota winters bring heavy snow and ice, raising accident risks. Collision coverage pays off even for older vehicles. Comprehensive coverage matters too: it covers hail damage, flooding and deer collisions common across rural Minnesota.
- 5Improve deductibles and coverage balance
Raising your comprehensive or collision deductible cuts monthly premiums. Just confirm you can afford that deductible if filing a claim. You can also boost liability limits or add UM/UIM coverage for better protection. These upgrades usually cost just $10 to $20 monthly.
- 6Maintain your driver profile
Minnesota insurers weigh driving history and credit scores heavily when pricing policies. A clean record and good credit consistently deliver cheaper rates.
- 7Use MNAIP as a fallback
Can't find voluntary market coverage? The Minnesota Automobile Insurance Plan offers last-resort liability insurance. MNAIP policies cost more than standard coverage, so use this only when necessary.
Risks of Getting the Cheapest Car Insurance in Minnesota
Minnesota requires drivers to carry liability insurance with minimum coverage of 30/60/10, plus $40,000 in personal injury protection (PIP) and $20,000 in uninsured motorist coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Minnesota, average property damage claims hit $4,525 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Minnesota gets hit with severe weather that damages cars regularly. Severe storms caused significant property damage in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against hail, flooding and fallen trees that frequently hit Minnesota.
Bodily injury damage is more likely to be higher than the minimum limits
Minnesota's minimum bodily injury coverage of $30,000 per person often isn't enough for serious accidents. Average bodily injury claims in Minnesota reached $21,300 in 2023. With rising medical costs, consider increasing coverage to 100/300/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Minnesota has an uninsured driver problem, with 11% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs beyond your PIP coverage. Legal action against uninsured drivers rarely recovers damages. Your required uninsured motorist coverage helps, but consider increasing it for better protection.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Minnesota, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Minnesota
Minnesota law requires all drivers to carry auto insurance before operating a vehicle. The state follows a no-fault system, meaning your own policy helps cover medical expenses and other losses after an accident, regardless of fault. Drivers must have liability insurance, Personal Injury Protection (PIP) and uninsured/underinsured motorist coverage. These limits satisfy state law, but many choose higher coverage for added financial security.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $30,000 per person |
Bodily Injury Liability (Per Accident) | $60,000 per accident |
Property Damage Liability | $10,000 per accident |
Personal Injury Protection (PIP) | $40,000 per person ($20,000 medical / $20,000 non-medical expenses) |
Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Underinsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in Minnesota: Bottom Line
Westfield offers the lowest car insurance rates in Minnesota for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Minnesota: FAQ
Below we answer common questions about affordable car insurance in Minnesota to help you find the right coverage.
Who has the cheapest car insurance rates for young drivers in Minnesota?
Auto-Owners provides the most affordable rates for young drivers in Minnesota, with monthly premiums starting at $57 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Minnesota?
Senior drivers in Minnesota can find the most competitive rates with Westfield, offering policies for those 65 and older at an average of $29 per month for minimum coverage.
Who has the cheapest car insurance in Minnesota for bad credit?
North Star offers the lowest rates for bad-credit drivers in Minnesota: $43 monthly for minimum coverage and $130 for full coverage.
Who has the cheapest car insurance in Minnesota with an accident?
State Farm has the lowest rates for Minnesota drivers with accidents ($40 monthly for minimum coverage).
Who has the cheapest car insurance in Minnesota with a DUI?
State Farm offers the cheapest car insurance after a DUI in Minnesota: $37 monthly for minimum coverage and $101 for full coverage.
Who has the cheapest car insurance in Minnesota for those with a speeding ticket?
Auto-Owners charges Minnesota drivers with a speeding ticket $41 monthly for minimum coverage and $91 for full coverage (the state's lowest rates).
Should you buy the cheapest car insurance in Minnesota?
The cheapest insurance saves money now but may leave you exposed to major losses. Buy enough coverage to protect your finances. Westfield offers both low prices and solid coverage options in Minnesota.
How We Found the Most Affordable Car Insurance in Minnesota
Minnesota's no-fault system and mandatory PIP requirements make rate shopping confusing. We analyzed over 200 million rate comparisons across every residential ZIP code to find which companies consistently charge less for your specific situation.
Data Sources
We collected auto insurance data from the Minnesota Department of Insurance and Quadrant Information Services, covering 12 major insurers and more than 200 million rate comparisons statewide.
Sample Driver Profile
Our baseline Minnesota driver is a 40-year-old man driving a 2012 Toyota Camry LE with a clean record, 12,000 annual miles, good credit, a valid license, current insurance and no claims history. We adjusted this profile as needed to find the cheapest option for different driver backgrounds.
Coverage Levels Tested
We compared minimum and full coverage policies across Minnesota. Minimum coverage matches state requirements: $30,000 per person for bodily injury liability, $60,000 per accident for bodily injury liability, $10,000 per accident for property damage liability, $40,000 per person for personal injury protection and $20,000 per person for uninsured motorist bodily injury.
Full coverage used these liability limits: $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 property damage, plus comprehensive and collision with $1,000 deductibles.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed November 7, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed November 7, 2025.
- National Centers for Environmental Information. "Climate at a Glance." Accessed November 7, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed November 7, 2025.