Minnesota Car Insurance Quotes: Compare State Farm, Progressive and More

State Farm, Progressive and American Family are Minnesota's three largest car insurance companies. These, and other well-known Minnesota insurers, provide drivers with rates depending on their age, driving history, credit score and other important factors.

We examined the cheapest insurance coverage in Minnesota for consumers wishing to save money on their car insurance. Our guide on the average cost of car insurance in Minnesota may also be of interest if you're curious about the features that determine the average cost of auto insurance in Minnesota.

Please keep in mind that the insurance prices quoted in our study may not always include all eligible discounts.

MoneyGeek collected thousands of car insurance quotes in Minnesota. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare Minnesota Car Insurance Quotes

Compare State Farm Car Insurance Quote - State Farm

Compare Progressive Car Insurance Quote - Progressive

Compare American Family Car Insurance Quote - American Family

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In Minnesota, State Farm’s car insurance costs around $962 per year.

They charge around $503 per year for a 40-year-old SUV driver who has a clean driving record, an excellent credit score and carries the state's minimum insurance.

State Farm’s most expensive quote is around $5,724 per year. This is for drivers in their twenties who drive luxury cars, have poor credit scores, have been arrested for a DUI and have full coverage insurance.

According to your driving profile, the table below indicates the cost of state-mandated minimum and full coverage auto insurance premiums.

State Farm Car Insurance Quotes in Minnesota

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• Coverage Level
  State Farm Average Annual Quote
• State Minimum Liability
  $624
• 100/300/100 Comprehensive/Collision
  $991

Progressive’s car insurance costs around $1,622 per year in Minnesota.

The cheapest car insurance quote from Progressive costs around $898 per year. This is for a 40-year-old SUV driver with a clean driving record, an excellent credit score and the state's minimum insurance.

Their most expensive quote, which is around $12,531 per year, is for a 20-year-old driver of a premium vehicle with a poor credit score, a prior accident record and full car insurance coverage.

Drivers may compare the cost of state-mandated minimum insurance to the cost of a full coverage policy by using the table below.

Progressive Car Insurance Quotes in Minnesota

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• Coverage Level
  Progressive Average Annual Quote
• State Minimum Liability
  $1,114
• 100/300/100 Comprehensive/Collision
  $1,671

In Minnesota, American Family’s auto insurance costs an average of $1,021 per year.

Their most affordable plan costs around $609 per year for a 40-year-old SUV driver with a clean driving record, an excellent credit score and a state-mandated insurance policy.

On the other hand, a 40-year-old luxury car driver with a prior DUI, a poor credit score and full coverage, pays the highest annual premium, which is approximately $5,267.

Drivers may use the table below to choose attributes relevant to their profile and compare the costs of state minimum and full coverage vehicle insurance policies.

American Family Car Insurance Quotes in Minnesota

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• Coverage Level
  American Family Average Annual Quote
• State Minimum Liability
  $755
• 100/300/100 Comprehensive/Collision
  $1,052

Farmers’ car insurance costs $940 per year on average in Minnesota.

This insurer's lowest quote is around $466 per year for a 40-year-old SUV driver with a clean driving record, an excellent credit score and a state-required insurance policy.

Farmers’ most expensive quote comes in at approximately $6,564 per year for a 20-year-old luxury automobile driver with a DUI record, a poor credit score and full coverage.

You may use the chart below to compare the costs of state-mandated minimum coverage and full coverage vehicle insurance policies depending on the characteristics that apply to your situation.

Farmers Car Insurance Quotes in Minnesota

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• Coverage Level
  Farmers Average Annual Quote
• State Minimum Liability
  $578
• 100/300/100 Comprehensive/Collision
  $968

In Minnesota, Allstate’s car insurance costs an average of $1,284 per year.

A 40-year-old SUV driver with a clean driving record, an excellent credit score and a state-mandated insurance policy can expect to pay the cheapest car insurance premium, which is around $660 per year.

But a 20-year-old driver of a luxury car with a poor credit score, a prior DUI conviction and full car insurance coverage could expect to pay around $10,589 per year.

Due to the unique nature of your driver’s profile, you may use the table below to assess the cost of state-mandated minimum coverage and full coverage vehicle insurance in your area.

Allstate Car Insurance Quotes in Minnesota

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• Coverage Level
  Allstate Average Annual Quote
• State Minimum Liability
  $818
• 100/300/100 Comprehensive/Collision
  $1,323

GEICO has an average car insurance cost of roughly $1,108 in Minnesota.

This insurance company has one of the state’s lowest car insurance quotes for a 40-year-old SUV driver with a clean driving record, an excellent credit score and the state's minimum insurance requirement. If your profile matches, you can expect to pay around $529 on car insurance per year.

For a 20-year-old who drives a luxury car with a prior accident record, a poor credit score and has full coverage, the average annual premium could be around $17,901.

You may use the table below to choose the most relevant information and compare the costs of state-required and full-coverage vehicle insurance policies.

GEICO Car Insurance Quotes in Minnesota

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• Coverage Level
  GEICO Average Annual Quote
• State Minimum Liability
  $657
• 100/300/100 Comprehensive/Collision
  $1,142

In Minnesota, the average cost of Auto Owners Insurance Co vehicle insurance is $1,093 per year.

The lowest rate offered by this insurer is for a 40-year-old SUV driver with a clean driving record, an excellent credit score and state-mandated insurance. It costs an average of $532 per year.

The most expensive estimated premium from this insurer is around $11,085 per year. It is for a 20-year-old luxury vehicle driver who has a DUI, a poor credit score and full car insurance coverage.

The table below allows you to choose the relevant information to your profile and compare the costs of state-mandated and full-coverage automobile insurance plans.

Auto-Owners Insurance Co Car Insurance Quotes in Minnesota

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• Coverage Level
  Auto-Owners Insurance Co Average Annual Quote
• State Minimum Liability
  $660
• 100/300/100 Comprehensive/Collision
  $1,127

In Minnesota, USAA’s car insurance costs an average of $792 per year. Their insurance policies, however, are exclusively available to military families.

For this insurer, a 40-year-old SUV driver with a clean driving record, an excellent credit score and a state-mandated insurance plan pays around $350 on car insurance premiums per year.

If you are a 20-year-old driver of a luxury car with a poor credit score, a DUI on your record and full coverage, you could expect to pay the highest yearly premium of around $7,328.

To compare the costs of state-mandated and full auto insurance coverage plans, drivers may choose the most relevant criteria to their needs from the table below and compare prices for each plan.

USAA Car Insurance Quotes in Minnesota

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• Coverage Level
  USAA Average Annual Quote
• State Minimum Liability
  $434
• 100/300/100 Comprehensive/Collision
  $816

There are a variety of ways available to help you determine the cost of insurance quotes in Minnesota. You may get a quote directly from an insurance company.

You may also use MoneyGeek's data to discover the cost of vehicle insurance in Minnesota. This page has provided information about car insurance prices in Minnesota. In addition, our car insurance calculator can supply you with more specific data.

Another method is by comparing binding quotes with actual costs. This might be a time-demanding approach, but it typically guarantees the best results.

Auto Insurance Calculator

State

Minnesota

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

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 your preferred price range to see company options.

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

Company

Average Annual Rates

1.

USAA

$474

2.

AAA

$492

3.

State Farm

$608

4.

GEICO

$611

5.

Auto-Owners Insurance Co

$643

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You can get car insurance quotes in Minnesota through an insurance agent or a broker or use an online quote tool. You’ll need to provide accurate information, like personal details and how much insurance you need, so that insurers can provide an accurate estimate.

MoneyGeek looked at how long it took insurers to process the online quotes. Some companies like State Farm and Progressive provide quotes within two minutes. Although several major car insurance companies in Minnesota have online tools, some have no online quote process. It means we couldn’t get an estimate using their online quote tool.

State Farm’s online quote tool provided MoneyGeek an estimate for a sample driver profile in Minnesota. It took us two minutes to go through the entire process. Their online tool also allows you to change coverage levels and, if you do, recalculates rates to show you updated figures.

MoneyGeek got a quote for its sample driver from Progressive’s online quote tool in around two minutes. It’s also possible to adjust how much coverage you want in your policy. If you do this, their system updates the rates automatically.

It took four minutes to complete American Family’s online quote process. If you want to get a comparison quote, you can do so. Change the coverage levels indicated, and the tool updates your estimate in real-time.

Although Farmers’ website has an online quote tool, it does not have a functional online quote process in this state. We were unable to secure a quote using our driver profile in Minnesota. To get an accurate quote, you’ll need to provide your information to an agent or a broker.

Allstate’s online quote process takes roughly two minutes to complete. You can adjust the coverage levels to see how rates change based on how much coverage you want. Their tool immediately changes the rates to incorporate the modification.

We successfully got a car insurance quote using GEICO’s online tool. Their entire online quote process took four minutes. Their tool also updates your estimates immediately after you adjust the coverage levels.

You can find an online quote tool on Liberty Mutual’s website. Using our sample driver profile in Minnesota, we got an estimate in approximately two minutes. Changing coverage levels is possible with Liberty Mutual’s tool. It also updates the rates after any change, so you’re sure to get accurate rates.

Speaking with Auto-Owners' agents or brokers is the best way to get a car insurance quote in Minnesota. When you go to their website, you’ll notice that an online quote tool isn't available.

USAA’s website has an online quote tool available. Unfortunately, we weren’t able to get an insurance estimate using our sample driver profile in Minnesota. Reaching out directly to their agents is the best way to get a customized quote.

You can use Travelers’ online tool to get a car insurance estimate. It took us two minutes to get a quote using our sample driver profile in Minnesota. Their online quote process also allows you to modify coverage levels. The tool makes real-time adjustments to the rates, reflecting the changes.

Getting a car insurance quote does not have to be a lengthy procedure. You can get a quote in just minutes. Because obtaining auto insurance quotes in Minnesota might be complex, MoneyGeek has addressed some of the most frequently asked questions regarding obtaining quotes so that you can get started immediately.

About the Author

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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

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