Cheapest and Best Car Insurance Companies in Minneapolis, MN

Auto-Owners Insurance Co provides the cheapest minimum coverage insurance in Minneapolis, Minnesota, and the best balance of cost and quality service, according to MoneyGeek's review of the latest 2023 quotes.

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.

Cheapest + BestCar InsuranceMinneapolis

2023

Cheapest and Best Car Insurance in Minneapolis, MN

Cheapest Overall - Auto-Owners and American National

Cheapest Full Coverage - State Farm

Cheapest After Driving Offense - State Farm

Cheapest for Teens - Nationwide

Cheapest for Military - USAA

Best Overall - Auto-Owners and American National

Best for Customer Service - West Bend Mutual

Best Cheap - Auto-Owners and American National

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

State

Minnesota

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$474

2.AAA

$492

3.State Farm

$608

4.GEICO

$611

5.Auto-Owners Insurance Co

$643

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?

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?

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?

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 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.

Cheapest and Best Car Insurance Companies in Minneapolis, MN

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On This Page:

Cheapest Minimum Liability Car Insurance in Minneapolis

Cheapest Full Coverage Car Insurance in Minneapolis

Cheapest Car Insurance in Minneapolis After a Driving Offense

Cheapest Car Insurance in Minneapolis for Teens and Their Families

Cheapest Car Insurance in Minneapolis for Military Drivers

How to Compare Cheap Minneapolis Car Insurance Quotes Online

Best Car Insurance in Minneapolis: Summary

Best Overall Car Insurance in Minneapolis

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Minneapolis for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Minneapolis

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Minneapolis