Cheapest Car Insurance in Minnesota

Auto-Owners offers the cheapest full coverage in Minnesota at $872 a year or about $73 a month. Westfield comes next at $921 annually, or about $77 a month, which is $49 higher but still a strong option. That difference works out to roughly two weeks of Auto-Owners coverage.

AAA charges $958 a year, which is $86 more than Auto-Owners yet still about 23% below the Minnesota state average. Travelers follows at $1,085 yearly and North Star has the highest rate among these affordable choices at $1,096.

Westfield offers the cheapest liability-only coverage in Minnesota at $229 per year, which breaks down to $19 monthly to meet the state's 30/60/10 requirements. North Star is second at $362 annually, costing $133 more than Westfield for the same coverage.

State Farm and Auto-Owners are close, both charging around $395 annually or $33 monthly. AAA has the highest rate at $434 per year, which is $205 more than Westfield's rate.

Across Minnesota's 20 largest cities, Westfield has the lowest minimum coverage rates in 17 of them, with monthly prices running from $18 in Cottage Grove to $42 in Saint Paul. Auto-Owners leads in the remaining three cities (Bloomington, Eagan and Rochester), where higher metro density pushes rates up.

Auto-Owners offers the cheapest teen auto insurance in Minnesota at $134 a month for 16-year-olds. By age 25, Westfield becomes the most affordable option at $39 per month. That shift adds up to about $1,140 in yearly savings as drivers get older and gain experience. Teen drivers increase family insurance costs and are subject to additional state rules during supervised driving periods.

Note: In Minnesota, teens under 18 cannot buy auto insurance on their own, so a parent or guardian must cosign the policy.

Seniors in Minnesota find the lowest minimum coverage rate at age 65 with Iowa Farm Bureau, which charges $66 a month and offers full coverage for $60 a month. Westfield becomes the cheapest option at ages 70 and 80, with minimum coverage at $41 and $57 a month.

From age 65 to 80, Westfield's minimum coverage rate drops by $9 a month, even though its full coverage increases from $102 to $137 during the same period.

Drivers with a DUI in Minnesota get the lowest minimum coverage rate from State Farm at $36 a month, which is 58% below the state average. Western National follows at $39 a month, only $3 higher for the same protection. Westfield is $49 a month and Auto-Owners and Travelers fall in the $73 to $74 range for high-risk drivers.

State Farm also offers the most affordable full coverage after a DUI at $101 per month, while Western National charges $142. The $41 difference adds up to $492 a year in savings for drivers who need full protection.

Westfield offers the cheapest SR-22 insurance in Minnesota at $50 monthly for minimum limits, sitting 30% below the state average. Auto-Owners charges $72 monthly for minimum SR-22 coverage, $22 more than Westfield. That $22 monthly difference equals $264 annually for the same coverage.

For comprehensive protection, Auto-Owners leads full coverage SR-22 policies at $142 per month, beating Travelers by just $3 per month. Westfield and AAA both charge $161 monthly for full coverage SR-22, while State Farm reaches $172.

SR-22 certificates verify continuous insurance coverage for drivers with serious violations. The certificate itself costs $15 to $50, with your insurer filing it directly with Minnesota's DVS on your behalf. Learn more about cheapest SR-22 insurance options available.

State Farm offers the cheapest non-owner car insurance in Minnesota at $74 a month for minimum limits, which is 16% below the state average. Auto-Owners is next at $85 a month, or $11 more than State Farm. That difference adds up to about $132 in yearly savings for this type of coverage.

Non-owner policies are designed for drivers who don’t own a vehicle but still need proof of insurance for reasons such as SR-22 filing requirements, license-related needs or regular car rentals. These policies cost less than standard auto insurance because they only cover liability, not damage to a specific car.

After an accident, Westfield provides the cheapest minimum coverage at $28 monthly, which costs 38% less than Minnesota's state average.

For full coverage, Auto-Owners offers the cheapest option at $97 per month, while Western National charges the most at $142. Your premiums will increase by 20% to 40% after an at-fault accident and stay high for three to five years.

Westfield offers the cheapest minimum coverage after a bad driving record, with speeding-ticket rates at $23 a month ($273 a year), which is 36% below Minnesota's state average. North Star charges $35 a month, State Farm's at $36, Auto-Owners is $38 and Western National is $39.

For full coverage, Auto-Owners leads at $83 a month, coming in $15 lower than Westfield's $98. That difference adds up to about $180 a year in savings. Western National charges $142 a month for full coverage, which is $59 higher than Auto-Owners.

Westfield has the lowest minimum coverage rates for Minnesota drivers with bad credit, at $32 a month or $382 a year, which is 46% below the state average. North Star comes next at $34 a month, only slightly higher than Westfield. Western National's $49 a month, GEICO's $66 and Auto-Owners reaches $82 among the companies compared.

For full coverage, North Star leads at $102 a month, coming in $29 lower than Westfield's $131. That difference adds up to about $348 a year in savings, even though North Star costs $2 more per month for minimum coverage.

Your location, driving record, age and credit history all impact Minnesota car insurance costs. Affordable minimum coverage starts at $19 monthly with Westfield Insurance, while full coverage averages $73 monthly through Auto-Owners. Save hundreds of dollars annually by comparing insurers and maximizing available discounts.

If comparing car insurance in Minnesota feels confusing, these simple answers help make the process easier.

Our Research Approach

We gathered rates from 12 major insurers licensed in Minnesota, using data from the Minnesota Department of Commerce and Quadrant Information Services. Our analysis covered more than 200 million rate comparisons across every residential ZIP code in the state, so you're seeing pricing patterns that reflect actual Minnesota market conditions, not national averages.

Why this matters for Minnesota drivers: Insurance companies price policies differently in Minneapolis compared to Duluth or Rochester. We reviewed every ZIP code because your location has a big impact on your rate. In some cases, drivers in nearby areas can pay hundreds of dollars more each year.

Sample Driver Profiles

We quoted rates for multiple driver profiles representing Minnesota's demographics:

• Single drivers (ages 18, 25, 35, 60)
• Married couples (ages 35, 60)
• Teen drivers on family policies
• High-risk drivers (with DUIs, accidents, and violations)
• Seniors (ages 60 to 75)

Each profile included realistic characteristics that affect pricing: credit scores, annual mileage, vehicle types and driving records. This shows you how companies treat your specific situation.

Coverage Comparisons

We compared two standard coverage levels that most Minnesota drivers choose:

Minimum coverage met Minnesota's required liability limits:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $10,000 per accident for property damage

Full coverage added comprehensive and collision protection to higher liability limits:

• $100,000/$300,000/$100,000 liability coverage
• $1,000 deductibles for comprehensive and collision

This approach lets you see both what you're legally required to carry and what financial protection actually costs when you add coverage for your own vehicle.

Why These Methodology Choices Matter

Minnesota has a competitive insurance market and very different regional pricing, so the cheapest company in one city might cost much more in another. 

Our research was designed to capture those differences instead of relying on statewide averages that may not match your actual rate. This way, you get to compare quotes more accurately based on your location and your driver profile.

See our detailed methodology here for more information.