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 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.
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.
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.
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.
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.
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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Click the section of the wheel in your price range to see options.
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Click an insurer below to visit their review page or continue to your personalized quote.
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.
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.
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
