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Auto-Owners Insurance Co offers the most inexpensive minimum coverage auto insurance in Minneapolis, while State Farm offers the most affordable rates for full coverage and after speeding tickets or DUIs. Nationwide is the most affordable for teen drivers, while American Family is the best for drivers with at-fault accidents on their records.

Auto-Owners Insurance Co is MoneyGeek's pick for best overall and cheapest auto insurance in Minneapolis. West Bend Mutual is idea for individuals who want the best customer service.

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2023

Cheapest and Best Car Insurance in Minneapolis, MN

Cheapest Minimum Liability Car Insurance in Minneapolis

The following companies offer the cheapest minimum coverage auto insurance policies in Minneapolis, MN:

  • Auto-Owners Insurance Co: $357 per year
  • AAA: $424 per year

Country Financial is the most expensive insurer for minimum coverage, with policies averaging $960 per year. Westfield has the cheapest car insurance in Minnesota at $312 per year. However, Westfield’s average Minneapolis rate is $497, illustrating how location influences premium costs.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$337

$28

Auto-Owners Insurance Co

$357

$30

Auto-Owners Insurance Co

$368

$31

AAA

$399

$33

AAA

$424

$35

State Farm

$434

$36

Westfield

$497

$41

State Farm

$502

$42

AAA

$523

$44

Iowa Farm Bureau

$542

$45

Westfield

$567

$47

State Farm

$592

$49

Westfield

$597

$50

GEICO

$597

$50

Iowa Farm Bureau

$609

$51

Western National

$623

$52

Western National

$629

$52

Iowa Farm Bureau

$650

$54

West Bend Mutual

$679

$57

GEICO

$686

$57

Farmers Union Insurance

$699

$58

West Bend Mutual

$714

$60

Nationwide

$715

$60

Travelers

$724

$60

American Family

$726

$61

American Family

$728

$61

Travelers

$734

$61

American Family

$734

$61

Nationwide

$766

$64

Travelers

$789

$66

Farmers Union Insurance

$797

$66

State Farm

$844

$70

GEICO

$844

$70

Iowa Farm Bureau

$867

$72

Farmers Union Insurance

$878

$73

Allstate

$894

$75

Auto-Owners Insurance Co

$894

$75

Western National

$897

$75

Nationwide

$899

$75

AAA

$928

$77

State Farm

$957

$80

Country Financial

$960

$80

Iowa Farm Bureau

$968

$81

Allstate

$983

$82

Allstate

$984

$82

Country Financial

$985

$82

Auto-Owners Insurance Co

$999

$83

American Family

$1,036

$86

AAA

$1,040

$87

GEICO

$1,051

$88

Westfield

$1,067

$89

Iowa Farm Bureau

$1,068

$89

American Family

$1,082

$90

American Family

$1,088

$91

Westfield

$1,092

$91

Nationwide

$1,138

$95

West Bend Mutual

$1,182

$99

State Farm

$1,189

$99

GEICO

$1,213

$101

Auto-Owners Insurance Co

$1,224

$102

Farmers Union Insurance

$1,226

$102

Country Financial

$1,233

$103

Travelers

$1,236

$103

Nationwide

$1,265

$105

Travelers

$1,293

$108

West Bend Mutual

$1,315

$110

West Bend Mutual

$1,332

$111

Western National

$1,353

$113

AAA

$1,365

$114

Western National

$1,368

$114

Westfield

$1,400

$117

Travelers

$1,468

$122

GEICO

$1,474

$123

Nationwide

$1,506

$126

Allstate

$1,559

$130

Farmers Union Insurance

$1,597

$133

Allstate

$1,607

$134

Allstate

$1,736

$145

Farmers Union Insurance

$1,750

$146

Country Financial

$1,830

$152

Country Financial

$1,891

$158

Western National

$1,949

$162

West Bend Mutual

$2,224

$185

Country Financial

$2,474

$206

Minnesota has a No-Fault Auto Insurance Law that requires all drivers to carry a minimum of 30/60/10 coverage, as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $40,000 personal injury protection

The Minnesota No-Fault Car Insurance Law helps protect you and your passengers financially in the event of an accident. The law seeks to compensate everyone injured in an accident, regardless of who is at fault.

Cheapest Full Coverage Car Insurance in Minneapolis

In Minneapolis, the following companies offer the cheapest full coverage insurance policy:

  • State Farm: $957 per year
  • Iowa Farm Bureau: $968 per year

With an average yearly premium of $1,891, Country Financial is the costliest provider of full coverage auto insurance in Minneapolis. State Farm also provides the cheapest full coverage auto insurance in Minnesota at $797 per year, making Minneapolis more expensive than the rest of the state.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$337

$28

Auto-Owners Insurance Co

$357

$30

Auto-Owners Insurance Co

$368

$31

AAA

$399

$33

AAA

$424

$35

State Farm

$434

$36

Westfield

$497

$41

State Farm

$502

$42

AAA

$523

$44

Iowa Farm Bureau

$542

$45

Westfield

$567

$47

State Farm

$592

$49

Westfield

$597

$50

GEICO

$597

$50

Iowa Farm Bureau

$609

$51

Western National

$623

$52

Western National

$629

$52

Iowa Farm Bureau

$650

$54

West Bend Mutual

$679

$57

GEICO

$686

$57

Farmers Union Insurance

$699

$58

West Bend Mutual

$714

$60

Nationwide

$715

$60

Travelers

$724

$60

American Family

$726

$61

American Family

$728

$61

Travelers

$734

$61

American Family

$734

$61

Nationwide

$766

$64

Travelers

$789

$66

Farmers Union Insurance

$797

$66

State Farm

$844

$70

GEICO

$844

$70

Iowa Farm Bureau

$867

$72

Farmers Union Insurance

$878

$73

Allstate

$894

$75

Auto-Owners Insurance Co

$894

$75

Western National

$897

$75

Nationwide

$899

$75

AAA

$928

$77

State Farm

$957

$80

Country Financial

$960

$80

Iowa Farm Bureau

$968

$81

Allstate

$983

$82

Allstate

$984

$82

Country Financial

$985

$82

Auto-Owners Insurance Co

$999

$83

American Family

$1,036

$86

AAA

$1,040

$87

GEICO

$1,051

$88

Westfield

$1,067

$89

Iowa Farm Bureau

$1,068

$89

American Family

$1,082

$90

American Family

$1,088

$91

Westfield

$1,092

$91

Nationwide

$1,138

$95

West Bend Mutual

$1,182

$99

State Farm

$1,189

$99

GEICO

$1,213

$101

Auto-Owners Insurance Co

$1,224

$102

Farmers Union Insurance

$1,226

$102

Country Financial

$1,233

$103

Travelers

$1,236

$103

Nationwide

$1,265

$105

Travelers

$1,293

$108

West Bend Mutual

$1,315

$110

West Bend Mutual

$1,332

$111

Western National

$1,353

$113

AAA

$1,365

$114

Western National

$1,368

$114

Westfield

$1,400

$117

Travelers

$1,468

$122

GEICO

$1,474

$123

Nationwide

$1,506

$126

Allstate

$1,559

$130

Farmers Union Insurance

$1,597

$133

Allstate

$1,607

$134

Allstate

$1,736

$145

Farmers Union Insurance

$1,750

$146

Country Financial

$1,830

$152

Country Financial

$1,891

$158

Western National

$1,949

$162

West Bend Mutual

$2,224

$185

Country Financial

$2,474

$206

Full coverage auto insurance policy increases your liability coverage and adds comprehensive and collision coverage to your plan.

  • Collision Insurance: Covers the cost of repairing or replacing a policyholder's car when it is damaged in a collision with another vehicle or object.
  • Comprehensive Insurance: Covers damage to your vehicle from something other than a collision, such as theft, vandalism, fire, or weather damage.

A full coverage policy may not be cost-effective for older vehicles, as the cost of the policy may outweigh the car’s value. In such cases, opting for a minimum coverage policy could be wiser.

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Cheapest Car Insurance in Minneapolis After a Driving Offense

Minneapolis residents with driving violations on their records will find the cheapest car insurance rates from the following companies:

  • Speeding ticket: State Farm ($1,047 per year)
  • At-fault accident: American Family ($1,082 per year)
  • DUI: State Farm ($1,047 per year)

Country Financial is the most expensive after a ticket ($2,502) and accidents ($2,745), and AAA costs the most after a DUI ($4,298). Even the most affordable rates are likely to increase after an offense.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$384

$32

Auto-Owners Insurance Co

$407

$34

Auto-Owners Insurance Co

$422

$35

Auto-Owners Insurance Co

$457

$38

State Farm

$480

$40

State Farm

$480

$40

Auto-Owners Insurance Co

$484

$40

Auto-Owners Insurance Co

$503

$42

State Farm

$526

$44

State Farm

$555

$46

State Farm

$555

$46

Westfield

$591

$49

State Farm

$609

$51

Iowa Farm Bureau

$609

$51

Western National

$623

$52

Western National

$623

$52

Western National

$623

$52

Western National

$629

$52

Western National

$629

$52

Western National

$629

$52

State Farm

$656

$55

State Farm

$656

$55

Westfield

$674

$56

Iowa Farm Bureau

$685

$57

GEICO

$697

$58

Westfield

$710

$59

AAA

$710

$59

AAA

$710

$59

State Farm

$720

$60

Iowa Farm Bureau

$721

$60

AAA

$723

$60

AAA

$723

$60

American Family

$726

$61

American Family

$728

$61

Auto-Owners Insurance Co

$728

$61

Iowa Farm Bureau

$732

$61

American Family

$734

$61

Westfield

$736

$61

Auto-Owners Insurance Co

$777

$65

GEICO

$800

$67

Westfield

$806

$67

Auto-Owners Insurance Co

$808

$67

Iowa Farm Bureau

$810

$68

Nationwide

$826

$69

Westfield

$836

$70

American Family

$850

$71

American Family

$850

$71

American Family

$852

$71

American Family

$852

$71

American Family

$860

$72

American Family

$860

$72

Iowa Farm Bureau

$865

$72

Nationwide

$878

$73

AAA

$885

$74

AAA

$885

$74

Western National

$897

$75

Western National

$897

$75

Western National

$897

$75

State Farm

$923

$77

State Farm

$923

$77

West Bend Mutual

$958

$80

West Bend Mutual

$958

$80

Iowa Farm Bureau

$976

$81

Auto-Owners Insurance Co

$980

$82

GEICO

$985

$82

Travelers

$998

$83

State Farm

$1,003

$84

Farmers Union Insurance

$1,006

$84

West Bend Mutual

$1,010

$84

West Bend Mutual

$1,010

$84

Nationwide

$1,011

$84

Travelers

$1,013

$84

Nationwide

$1,026

$86

American Family

$1,036

$86

State Farm

$1,047

$87

State Farm

$1,047

$87

Travelers

$1,057

$88

Travelers

$1,058

$88

Farmers Union Insurance

$1,060

$88

Iowa Farm Bureau

$1,068

$89

Travelers

$1,074

$89

American Family

$1,082

$90

American Family

$1,088

$91

Auto-Owners Insurance Co

$1,090

$91

Iowa Farm Bureau

$1,090

$91

Nationwide

$1,091

$91

GEICO

$1,100

$92

Farmers Union Insurance

$1,112

$93

Auto-Owners Insurance Co

$1,112

$93

Farmers Union Insurance

$1,115

$93

Travelers

$1,124

$94

State Farm

$1,136

$95

Farmers Union Insurance

$1,143

$95

Iowa Farm Bureau

$1,153

$96

Farmers Union Insurance

$1,166

$97

Farmers Union Insurance

$1,169

$97

Farmers Union Insurance

$1,201

$100

Iowa Farm Bureau

$1,202

$100

Nationwide

$1,202

$100

Iowa Farm Bureau

$1,203

$100

GEICO

$1,223

$102

GEICO

$1,226

$102

Farmers Union Insurance

$1,228

$102

Auto-Owners Insurance Co

$1,231

$103

West Bend Mutual

$1,233

$103

American Family

$1,234

$103

American Family

$1,234

$103

Nationwide

$1,256

$105

Nationwide

$1,266

$105

Westfield

$1,269

$106

Country Financial

$1,283

$107

Iowa Farm Bureau

$1,284

$107

Iowa Farm Bureau

$1,288

$107

Travelers

$1,289

$107

Westfield

$1,291

$108

American Family

$1,292

$108

American Family

$1,292

$108

American Family

$1,298

$108

American Family

$1,298

$108

Westfield

$1,299

$108

State Farm

$1,302

$109

State Farm

$1,302

$109

Nationwide

$1,302

$109

West Bend Mutual

$1,304

$109

Travelers

$1,305

$109

Country Financial

$1,317

$110

Auto-Owners Insurance Co

$1,338

$112

Allstate

$1,347

$112

Western National

$1,353

$113

Western National

$1,353

$113

Western National

$1,353

$113

Westfield

$1,360

$113

Travelers

$1,362

$114

Western National

$1,368

$114

Western National

$1,368

$114

Western National

$1,368

$114

Westfield

$1,390

$116

Country Financial

$1,404

$117

GEICO

$1,407

$117

AAA

$1,413

$118

AAA

$1,413

$118

GEICO

$1,415

$118

State Farm

$1,416

$118

Iowa Farm Bureau

$1,423

$119

Nationwide

$1,430

$119

Nationwide

$1,432

$119

Country Financial

$1,436

$120

AAA

$1,472

$123

AAA

$1,472

$123

Country Financial

$1,479

$123

Allstate

$1,485

$124

Allstate

$1,487

$124

Westfield

$1,501

$125

Auto-Owners Insurance Co

$1,514

$126

Country Financial

$1,514

$126

Westfield

$1,526

$127

Allstate

$1,531

$128

West Bend Mutual

$1,572

$131

West Bend Mutual

$1,572

$131

Nationwide

$1,595

$133

Allstate

$1,605

$134

Auto-Owners Insurance Co

$1,611

$134

Country Financial

$1,656

$138

Westfield

$1,668

$139

Nationwide

$1,671

$139

Allstate

$1,693

$141

Allstate

$1,705

$142

Iowa Farm Bureau

$1,710

$143

GEICO

$1,720

$143

Nationwide

$1,755

$146

Auto-Owners Insurance Co

$1,761

$147

Allstate

$1,778

$148

Country Financial

$1,783

$149

Travelers

$1,796

$150

Allstate

$1,805

$150

Farmers Union Insurance

$1,822

$152

Westfield

$1,834

$153

Travelers

$1,851

$154

Nationwide

$1,854

$154

Farmers Union Insurance

$1,880

$157

Travelers

$1,883

$157

West Bend Mutual

$1,893

$158

West Bend Mutual

$1,893

$158

Farmers Union Insurance

$1,903

$159

Travelers

$1,908

$159

Iowa Farm Bureau

$1,913

$159

AAA

$1,913

$159

AAA

$1,913

$159

West Bend Mutual

$1,921

$160

West Bend Mutual

$1,921

$160

Country Financial

$1,925

$160

GEICO

$1,942

$162

Travelers

$1,946

$162

Western National

$1,949

$162

Western National

$1,949

$162

Western National

$1,949

$162

Travelers

$1,997

$166

Nationwide

$2,013

$168

Farmers Union Insurance

$2,018

$168

Nationwide

$2,055

$171

GEICO

$2,083

$174

Farmers Union Insurance

$2,112

$176

Iowa Farm Bureau

$2,113

$176

GEICO

$2,149

$179

Farmers Union Insurance

$2,175

$181

Auto-Owners Insurance Co

$2,179

$182

Farmers Union Insurance

$2,224

$185

Allstate

$2,235

$186

GEICO

$2,257

$188

Travelers

$2,269

$189

West Bend Mutual

$2,311

$193

Nationwide

$2,314

$193

Farmers Union Insurance

$2,321

$193

Allstate

$2,333

$194

Travelers

$2,343

$195

West Bend Mutual

$2,359

$197

Farmers Union Insurance

$2,388

$199

Travelers

$2,407

$201

Country Financial

$2,424

$202

GEICO

$2,454

$205

Allstate

$2,498

$208

Country Financial

$2,502

$208

Westfield

$2,511

$209

Westfield

$2,537

$211

GEICO

$2,593

$216

Allstate

$2,594

$216

AAA

$2,621

$218

Country Financial

$2,664

$222

Allstate

$2,714

$226

Allstate

$2,718

$227

Country Financial

$2,745

$229

Country Financial

$2,796

$233

Westfield

$2,844

$237

Allstate

$2,851

$238

AAA

$2,869

$239

Country Financial

$2,881

$240

Allstate

$2,918

$243

West Bend Mutual

$3,019

$252

West Bend Mutual

$3,019

$252

Allstate

$3,071

$256

AAA

$3,293

$274

Country Financial

$3,294

$274

Country Financial

$3,586

$299

GEICO

$3,684

$307

Country Financial

$3,832

$319

GEICO

$3,955

$330

AAA

$4,298

$358

GEICO

$4,518

$377

AAA

$4,559

$380

AAA

$5,493

$458

West Bend Mutual

$5,998

$500

West Bend Mutual

$10,937

$911

After a driving violation, insurance costs will increase based on the severity of the infraction. In Minneapolis, rates will increase an average of $336 after a speeding ticket and $1,093 after a DUI. You can still find affordable auto insurance with a bad record by shopping around.

Cheapest Car Insurance in Minneapolis for Teens and Their Families

The following companies offer the best rates for adding a 16-year-old to a family policy:

  • Nationwide: $2,307 per year for male teens; $2,176 per year for female teens
  • Auto-Owners Insurance Co $2,484 for male teens
  • State Farm: $2,290 per year for female teens

Allstate is the most costly auto insurance provider for male teens ($3,553 per year), while Travelers is the most expensive for female teens ($2,790 per year). Male teens often pay higher premiums because they are considered riskier to insure, although the difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$892

$3,003

GEICO

$1,084

$3,650

GEICO

$1,154

$3,885

GEICO

$1,162

$5,112

State Farm

$1,236

$2,440

GEICO

$1,335

$3,345

Travelers

$1,349

$3,898

State Farm

$1,362

$2,689

Travelers

$1,378

$3,915

State Farm

$1,387

$2,694

Nationwide

$1,393

$2,320

Auto-Owners Insurance Co

$1,393

$3,015

Nationwide

$1,418

$2,351

State Farm

$1,420

$3,185

Auto-Owners Insurance Co

$1,439

$3,113

Auto-Owners Insurance Co

$1,463

$3,144

State Farm

$1,468

$2,897

Nationwide

$1,468

$3,209

Nationwide

$1,471

$3,118

Auto-Owners Insurance Co

$1,473

$3,385

Auto-Owners Insurance Co

$1,496

$3,236

Travelers

$1,515

$4,378

State Farm

$1,522

$3,437

Travelers

$1,527

$4,849

Auto-Owners Insurance Co

$1,541

$3,311

State Farm

$1,550

$3,011

GEICO

$1,563

$3,916

Travelers

$1,565

$4,520

Travelers

$1,571

$4,466

Nationwide

$1,590

$2,637

Nationwide

$1,594

$2,656

Auto-Owners Insurance Co

$1,603

$3,809

Nationwide

$1,610

$2,924

Nationwide

$1,615

$2,982

Travelers

$1,619

$5,234

Auto-Owners Insurance Co

$1,623

$3,550

State Farm

$1,624

$3,643

Auto-Owners Insurance Co

$1,636

$3,516

GEICO

$1,662

$4,165

GEICO

$1,665

$5,288

Nationwide

$1,668

$2,764

Auto-Owners Insurance Co

$1,673

$4,117

Nationwide

$1,683

$2,804

Travelers

$1,684

$4,786

State Farm

$1,684

$3,272

GEICO

$1,696

$5,581

Allstate

$1,709

$3,690

State Farm

$1,725

$3,895

State Farm

$1,732

$4,406

Travelers

$1,736

$5,271

Auto-Owners Insurance Co

$1,749

$3,824

Auto-Owners Insurance Co

$1,762

$4,186

State Farm

$1,798

$4,008

Auto-Owners Insurance Co

$1,866

$4,592

Auto-Owners Insurance Co

$1,871

$5,103

Travelers

$1,880

$5,792

GEICO

$1,937

$6,056

Allstate

$1,946

$3,657

Nationwide

$1,948

$4,943

Nationwide

$1,963

$5,740

Allstate

$1,965

$3,693

Travelers

$1,980

$6,010

Travelers

$1,990

$6,845

Allstate

$2,005

$4,185

State Farm

$2,011

$5,021

Allstate

$2,011

$3,979

Allstate

$2,015

$3,787

Nationwide

$2,023

$5,499

GEICO

$2,025

$7,553

GEICO

$2,031

$6,447

Nationwide

$2,041

$4,326

Allstate

$2,053

$6,550

GEICO

$2,063

$9,156

Auto-Owners Insurance Co

$2,071

$4,608

Nationwide

$2,080

$6,422

Nationwide

$2,085

$4,557

State Farm

$2,086

$4,650

State Farm

$2,090

$5,317

Allstate

$2,110

$5,059

Allstate

$2,115

$5,327

GEICO

$2,148

$6,716

Travelers

$2,159

$6,650

Allstate

$2,172

$4,690

Nationwide

$2,176

$6,808

Travelers

$2,182

$7,718

Allstate

$2,187

$6,977

Auto-Owners Insurance Co

$2,214

$5,781

Allstate

$2,218

$4,791

Nationwide

$2,237

$6,541

Travelers

$2,269

$8,344

State Farm

$2,280

$5,693

Auto-Owners Insurance Co

$2,283

$5,080

State Farm

$2,290

$6,438

Auto-Owners Insurance Co

$2,291

$5,607

Nationwide

$2,307

$7,627

GEICO

$2,336

$9,143

GEICO

$2,341

$10,389

Nationwide

$2,371

$7,323

GEICO

$2,382

$11,528

State Farm

$2,425

$6,044

GEICO

$2,476

$13,417

Auto-Owners Insurance Co

$2,478

$6,472

Allstate

$2,484

$5,731

Auto-Owners Insurance Co

$2,484

$7,207

Travelers

$2,570

$9,588

Allstate

$2,626

$11,599

Travelers

$2,648

$9,740

Allstate

$2,667

$7,514

Allstate

$2,702

$5,642

State Farm

$2,754

$6,866

State Farm

$2,765

$7,768

Travelers

$2,790

$12,699

Allstate

$2,808

$8,793

GEICO

$2,875

$13,914

Allstate

$2,902

$7,310

GEICO

$2,990

$17,974

Allstate

$3,002

$9,400

Travelers

$3,065

$11,437

Travelers

$3,249

$15,344

Allstate

$3,555

$15,205

Adding a teen to a family policy is more cost-effective than purchasing a separate policy. In Minneapolis, for example, insuring a 16-year-old male teen under a family policy costs at least $2,152 less than buying individual insurance. To find the cheapest auto insurance for teens, shop around for multiple quotes and take advantage of student discounts.

Cheapest Car Insurance in Minneapolis for Military Drivers

The following auto insurance companies provide the cheapest auto insurance for military-affiliated drivers in Minneapolis:

  • USAA: $914 per year
  • State Farm: $957 per year

The costs shown above are for full coverage insurance. For a minimum coverage policy, Auto-Owners Insurance Co is the most affordable at $357 per year, followed by USAA at $414 per year.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$337

$28

Auto-Owners Insurance Co

$357

$30

Auto-Owners Insurance Co

$368

$31

AAA

$399

$33

USAA

$414

$35

USAA

$419

$35

AAA

$424

$35

State Farm

$434

$36

Westfield

$497

$41

State Farm

$502

$42

USAA

$516

$43

AAA

$523

$44

Iowa Farm Bureau

$542

$45

Westfield

$567

$47

State Farm

$592

$49

Westfield

$597

$50

GEICO

$597

$50

Iowa Farm Bureau

$609

$51

Western National

$623

$52

Western National

$629

$52

Iowa Farm Bureau

$650

$54

West Bend Mutual

$679

$57

GEICO

$686

$57

Farmers Union Insurance

$699

$58

West Bend Mutual

$714

$60

Nationwide

$715

$60

Travelers

$724

$60

American Family

$726

$61

American Family

$728

$61

Travelers

$734

$61

American Family

$734

$61

Nationwide

$766

$64

Travelers

$789

$66

Farmers Union Insurance

$797

$66

State Farm

$844

$70

GEICO

$844

$70

Iowa Farm Bureau

$867

$72

Farmers Union Insurance

$878

$73

USAA

$885

$74

Allstate

$894

$75

Auto-Owners Insurance Co

$894

$75

Western National

$897

$75

Nationwide

$899

$75

USAA

$914

$76

AAA

$928

$77

State Farm

$957

$80

Country Financial

$960

$80

Iowa Farm Bureau

$968

$81

Allstate

$983

$82

Allstate

$984

$82

Country Financial

$985

$82

Auto-Owners Insurance Co

$999

$83

American Family

$1,036

$86

AAA

$1,040

$87

GEICO

$1,051

$88

Westfield

$1,067

$89

Iowa Farm Bureau

$1,068

$89

American Family

$1,082

$90

American Family

$1,088

$91

Westfield

$1,092

$91

Nationwide

$1,138

$95

USAA

$1,175

$98

West Bend Mutual

$1,182

$99

State Farm

$1,189

$99

GEICO

$1,213

$101

Auto-Owners Insurance Co

$1,224

$102

Farmers Union Insurance

$1,226

$102

Country Financial

$1,233

$103

Travelers

$1,236

$103

Nationwide

$1,265

$105

Travelers

$1,293

$108

West Bend Mutual

$1,315

$110

West Bend Mutual

$1,332

$111

Western National

$1,353

$113

AAA

$1,365

$114

Western National

$1,368

$114

Westfield

$1,400

$117

Travelers

$1,468

$122

GEICO

$1,474

$123

Nationwide

$1,506

$126

Allstate

$1,559

$130

Farmers Union Insurance

$1,597

$133

Allstate

$1,607

$134

Allstate

$1,736

$145

Farmers Union Insurance

$1,750

$146

Country Financial

$1,830

$152

Country Financial

$1,891

$158

Western National

$1,949

$162

West Bend Mutual

$2,224

$185

Country Financial

$2,474

$206

How to Compare Cheap Minneapolis Car Insurance Quotes Online

Comparing vehicle insurance prices online can take 15 minutes or longer per company. You'll also need to provide a good amount of personal information.

MoneyGeek's auto insurance calculator gives quick estimates based on your age, vehicle type, driving record, and policy preferences.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Best Car Insurance in Minneapolis: Summary

The best auto insurance depends on your specific requirements and priorities, such as how much you value cost, service coverage, and other factors. The best auto insurers in Minneapolis, Minnesota, for these categories, are:

  • Best overall: Auto-Owners Insurance Co (MoneyGeek score 80 out of 100)
  • Best for service: West Bend Mutual (MoneyGeek score 70 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score 84 out of 100)

A company can have different MoneyGeek scores across categories. Auto-Owners Insurance Co. combines competitive pricing and excellent customer service. Meanwhile, Westfield is the best auto insurance provider in Minnesota. With a MoneyGeek score of 82 out of 100, USAA is also a great option for military members seeking auto insurance.

Best Overall Car Insurance in Minneapolis

The overall best auto insurance companies in Minneapolis are as follows:

  • Auto-Owners Insurance Co: MoneyGeek score 80 out of 100 ($999 per year)
  • Westfield: MoneyGeek score 79 out of 100 ($1,067 per year)

Auto-Owners Insurance Co has an excellent affordability score and high coverage and customer satisfaction scores. USAA is also a great option for military members and their families.

How was this MoneyGeek score calculated?

Auto-Owners and American National

pros

Ranks #1 for claims handling

Excellent affordability score

High customer satisfaction and coverage scores

cons

Lacks new or better car replacement coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers quality customer service and coverages at an affordable cost. It offers rare coverages, such as diminished value coverage, which protects your investment by ensuring you are reimbursed for your car’s loss in value after an accident or repair.

Auto-Owners Insurance Co also offers deductible modification, which waives your collision deductible if you are involved in an accident with another car insured by Auto-Owners. If you insure your home and car with Auto-Owners insurance and you suffer a loss that damages both, the company will reduce your auto deductible by the amount of the personal property deductible. If the car deductible is less than the personal property deductible, the company will waive it entirely.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Best Car Insurance in Minneapolis for Customer Service

The following insurers offer the best customer service in Minneapolis, when cost is not a factor:

  • West Bend Mutual: MoneyGeek score 70 out of 100 ($1,315 per year)
  • Western National: MoneyGeek score 70 out of 100 ($1,368 per year)

West Bend Mutual received excellent scores for quality service and efficient claims management. However, West Bend Mutual’s premiums are on the higher side, suggesting customers pay more for quality service with this company.

How was this MoneyGeek score calculated?

West Bend Mutual

pros

Ranks #1 for claims handling

Ranks #2 for customer satisfaction

cons

Limited coverage option

COMPANY HIGHLIGHTS

West Bend Mutual has a near-perfect MoneyGeek customer satisfaction score and an above-average claims handling score. Data from J.D. Power and the National Association of Insurance Commissioners (NAIC) customer complaint index confirms West Bend Mutual offers excellent service.

The company only offers two add-on coverages, including roadside assistance, which provides 24/7 emergency assistance anywhere in the United States or Canada. Services include towing, flat tire repair, fuel delivery, battery jump starts, lockouts and minor repairs. The insurer also provides coverage for antique or classic cars, motor homes, and trailers on the auto portion of your policy.

Although West Bend Mutual is not the cheapest option available, it offers several discounts that help lower costs. Policyholders can score discounts for having anti-lock brakes, insuring multiple cars and maintaining a safe driving record.

Best Cheap Car Insurance in Minneapolis

The following companies offer the best pricing and service for auto insurance policies that meet Minnesota's minimum coverage requirements:

  • Auto-Owners Insurance Co: MoneyGeek score 84 out of 100 ($357 per year)
  • Westfield: MoneyGeek score 74 out of 100 ($497 per year)

While minimum liability coverage policies are inexpensive, they provide limited protection and don’t cover your car in an at-fault accident.

How was this MoneyGeek score calculated?

Auto-Owners and American National

pros

Ranks #1 for claims handling

Ranks #1 for affordability

cons

Lacks OEM coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co provides the best minimum coverage insurance in Minneapolis. It provides above-average customer service at a low price. In addition, the company offers various discounts to help policyholders save even more.

Auto-Owners offers safety discounts for having anti-lock brakes, airbags or an anti-theft system installed in your car. Policyholders with a safe driving history also qualify for discounts. Teens can benefit from the good grade discount if they maintain a “B” or higher average and the distant student discount if they attend school more than 100 miles away from home without a car. The company’s Teen Driver Monitoring Discount requires a permanently-installed GPS linked to the teen driver’s phone.

If you enroll in paperless billing, pay your annual amount in full or pay your premiums on time for 36 consecutive months, you can also get a discount.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

Average Cost of Car Insurance in Minneapolis

The average cost of car insurance in Minneapolis is $1,185 per year, which is $107 more than the state average ($1,077 per year) but $188 less than the national average ($1,265 per year as of October 2022). These rates are for full coverage insurance with a bodily injury liability of $100,000 per person, $300,000 per accident, and $100,000 in property damage liability. Location is one of several factors insurers evaluate to determine auto insurance premiums.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.