Westfield offers Minnesota's most affordable coverage, with monthly rates of $20 for minimum coverage and $92 for full coverage. You'll save $23 monthly (29%) compared to state averages. Get quotes from Auto-Owners, AAA, State Farm and North Star too.
Cheapest Car Insurance in Minnesota
Updated: August 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Minnesota for most drivers are Westfield Insurance, Auto Owners and AAA, offering average savings of up to 29%.
Car insurance costs can be as low as $12 for minimum coverage and $53 for full coverage policies on average in Minnesota.
To get the cheapest car insurance in Minnesota, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Minnesota?
| Westfield Insurance | $20 | $92 | -29% |
| Auto Owners | $36 | $82 | -26% |
| AAA | $38 | $83 | -24% |
| State Farm | $33 | $94 | -19% |
| North Star Insurance | $33 | $101 | -16% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MINNESOTA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Minnesota:
Best Car Insurance Rates by Category in Minnesota
Auto-Owners offers the lowest rates for three out of our 10 driver categories in Minnesota, while State Farm, Westfield and North Star each provide the cheapest rates for two categories. Find your specific rates in the table:
| Young Drivers | Auto Owners | $57 |
| Adult Drivers | Westfield Insurance | $19 |
| Senior Drivers | Westfield Insurance | $29 |
| Drivers With An Accident | State Farm | $40 |
| Drivers With A DUI | State Farm | $37 |
| Drivers With A Speeding Ticket | Auto Owners | $41 |
| Drivers With Bad Credit | North Star Insurance | $43 |
| Drivers With Low Income | North Star Insurance | $31 |
| Drivers With Newer Cars | Travelers | $37 |
| Drivers With Old Cars | Auto Owners | $23 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Minnesota for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Westfield offers the lowest rates at $150 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Westfield Insurance | $150 | $1,804 | -52% |
| Western National Insurance | $166 | $1,992 | -47% |
| North Star Insurance | $173 | $2,080 | -44% |
| Auto Owners | $217 | $2,599 | -31% |
| Travelers | $282 | $3,380 | -10% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Minnesota by City
Where you live in Minnesota affects your insurance costs based on local crime, accidents and traffic density. Westfield charges as little as $12 in Badger but costs $42 in Saint Paul. Here are the cheapest providers for every Minnesota city:
Data filtered by:Results filtered by:
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City:Ada
| Ada | Auto Owners | $30 | -31% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Minnesota
Finding affordable car insurance in Minnesota requires more than just comparing basic rates between companies. Here are proven strategies to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from at least three insurance companies through different channels like independent agents, comparison sites and directly from providers. Your rates will vary significantly depending on how you shop, so explore multiple options to find the best deal.
- 2
Determine Your Coverage Needs
Know what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring you have enough financial protection. Consider your state's requirements, vehicle value and personal assets when choosing coverage levels.
- 3
Consider Lower Coverage Amounts
Reducing your coverage level and raising deductibles can lower your premium costs if budget is tight. First evaluate your financial situation, driving record and where you live to ensure you're comfortable with the increased risk.
- 4
Research Costs and Discounts
Look up average auto insurance costs for drivers like you to benchmark savings. Check for discounts you qualify for and compare home and auto insurance bundle prices to maximize your savings.
- 5
Look Into Alternative Insurance Options
Consider pay-per-mile car insurance if you don't drive much. Telematics programs track driving habits and can lower rates for safe drivers. Check if your car manufacturer offers special insurance programs with competitive rates.
- 6
Work on Risk Factors
Improve your credit score and maintain a clean driving record to qualify for lower rates. Insurance companies view drivers with good credit and safe habits as lower risks.
- 7
Choose an Affordable Vehicle
If you're car shopping, pick a cheaper car to insure to reduce your premiums. Older vehicles with good safety ratings and reasonable repair costs typically cost less to cover.
Risks of Getting the Cheapest Car Insurance in Minnesota
Minnesota requires drivers to carry liability insurance with minimum coverage of 30/60/10, plus $40,000 in personal injury protection (PIP) and $20,000 in uninsured motorist coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Minnesota, average property damage claims hit $4,525 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Minnesota gets hit with severe weather that damages cars regularly. Severe storms caused significant property damage in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against hail, flooding and fallen trees that frequently hit Minnesota.
Bodily injury damage is more likely to be higher than the minimum limits
Minnesota's minimum bodily injury coverage of $30,000 per person often isn't enough for serious accidents. Average bodily injury claims in Minnesota reached $21,300 in 2023. With rising medical costs, consider increasing coverage to 100/300/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Minnesota has an uninsured driver problem, with 11% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs beyond your PIP coverage. Legal action against uninsured drivers rarely recovers damages. Your required uninsured motorist coverage helps, but consider increasing it for better protection.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Minnesota, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Minnesota: Bottom Line
Westfield offers the lowest car insurance rates in Minnesota for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Minnesota: FAQ
Below we answer common questions about affordable car insurance in Minnesota to help you find the right coverage.
What are the cheapest car insurance companies in Minnesota?
Westfield provides the most affordable car insurance in Minnesota, with average annual rates of $244 for minimum coverage and $1,104 for full coverage. Auto-Owners, AAA, State Farm and North Star also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Minnesota?
Auto-Owners provides the most affordable rates for young drivers in Minnesota, with monthly premiums starting at $57 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Minnesota?
Senior drivers in Minnesota can find the most competitive rates with Westfield, offering policies for those 65 and older at an average of $29 per month for minimum coverage.
Who has the cheapest car insurance in Minnesota for bad credit?
North Star provides the most affordable rates for bad-credit drivers in Minnesota, with monthly premiums averaging $43 for minimum coverage and $130 for full coverage.
Who has the cheapest car insurance in Minnesota with an accident?
State Farm offers the most affordable car insurance rates for Minnesota drivers with an accident history, starting at $40 per month for minimum coverage.
Who has the cheapest car insurance in Minnesota with a DUI?
State Farm provides the cheapest car insurance after a DUI in Minnesota, with rates of $37 monthly for minimum coverage and $101 monthly for full coverage.
Who has the cheapest car insurance in Minnesota for those with a speeding ticket?
Minnesota drivers with a speeding ticket can find the lowest insurance rates with Auto-Owners, charging $41 monthly for minimum coverage and $91 for full coverage.
Should you buy the cheapest car insurance in Minnesota?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Westfield balances low prices with solid coverage options in Minnesota.
How We Found the Most Affordable Car Insurance in Minnesota
MoneyGeek collected auto insurance data from the Minnesota Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Minnesota.
Minnesota Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Minnesota
We compared car insurance companies in Minnesota that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Minnesota.
The minimum coverage requirements in Minnesota are:
- $30,000 per person for bodily injury liability
- $60,000 per accident for bodily injury liability
- $10,000 per accident for property damage liability
- $40,000 per person for personal injury protection (PIP)
- $20,000 per person for uninsured motorist bodily injury
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed August 30, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 30, 2025.
- National Centers for Environmental Information. "Climate at a Glance." Accessed August 30, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 30, 2025.