Cheapest Car Insurance in Minnesota for 2026

Minnesota ranks 20th most affordable of 50 states with full coverage averaging $109/month ($1,308/year), 10% below the national average. Westfield is cheapest for minimum coverage at $19/month; Auto-Owners is cheapest for full coverage at $75/month. Minnesota requires $40,000 in personal injury protection (PIP) coverage, one of the highest mandatory PIP limits in the country, yet still prices 10% below the national average, making it a moderately priced state for car insurance.

Cheapest in Minnesota by coverage type

• Full coverage: Auto-Owners, $75/month
• Minimum coverage: Westfield, $19/month

Cheapest by driver age

• Young adult drivers: Auto-Owners, $146/month
• Teen drivers (16) on a family policy: Auto-Owners, $285/month (female) / $290/month (male)
• Seniors (65+): Westfield, $92/month

Cheapest by driving record and credit score

• Speeding ticket: Auto-Owners, $83/month
• At-fault accident: Auto-Owners, $97/month
• DUI: State Farm, $101/month
• Texting while driving: Auto-Owners, $75/month
• Bad credit: North Star, $120/month

Westfield leads on minimum coverage at $19/month, while Auto-Owners leads on full coverage at $75/month. Choosing Auto-Owners over Nationwide (most expensive full coverage at $151/month) saves $76/month ($912/year). Comparing quotes across providers helps drivers find the best car insurance in Minnesota for their specific coverage needs.

Minnesota is a no-fault state, meaning drivers must carry PIP coverage that pays for their own medical bills regardless of who caused the accident. Minnesota's minimum coverage requires 30/60/10 liability ($30,000 per person bodily injury, $60,000 per accident, $10,000 property damage), plus mandatory $40,000 PIP ($20,000 medical, $20,000 non-medical such as lost wages), plus required UM/UIM. Minnesota's PIP requirement is among the highest mandatory limits in the country. PIP pays for the driver's own medical costs and a portion of lost wages immediately after an accident without waiting to determine fault.

Full coverage (100/300/100 with comprehensive coverage and collision coverage and a $1,000 deductible) adds higher liability limits and vehicle protection. For example, if you cause an accident that totals another driver's $35,000 vehicle, Minnesota's $10,000 property damage minimum leaves you personally liable for $25,000. Full coverage also protects your own vehicle from damage in collisions, severe weather and theft.

Auto-Owners is cheapest for young adult standalone policies at $146/month; Westfield is cheapest for seniors at $92/month. Minnesota uses gender as a rating factor, but the gap is modest at the youngest ages, only $5/month at age 16. The gap widens somewhat in the 21 to 23 age range before both male and female rates converge at age 25.

Westfield rates for women hold flat at $153/month for ages 21 to 24, reflecting how this insurer prices that demographic in Minnesota. 

Open the dropdowns to see detailed car insurance rates by age.

For high-risk car insurance in Minnesota, Auto-Owners leads for speeding tickets ($83/month), at-fault accidents ($97/month) and texting while driving ($75/month, identical to its clean-record rate and flagged for source verification). State Farm leads for DUI ($101/month). North Star leads for bad credit ($120/month). 

A speeding ticket adds approximately $8/month above Auto-Owners' clean-record rate of $75/month. An at-fault accident adds $22/month above that same rate. A DUI adds $26/month above State Farm's clean-record rate of $75/month. Most violations affect rates for three years in Minnesota, but DUI affects rates longer. Minnesota requires SR-22 filing after a DUI.

Auto-Owners leads as cheapest in nine of Minnesota's 10 most populous cities; Westfield leads in Minneapolis. The biggest meaningful gap is between Saint Paul at $107/month and Rochester at $69/month, a $38/month ($456/year) difference. Saint Paul is part of the high-density Twin Cities metro area with more traffic congestion and higher claims frequency, while Rochester is a smaller, lower-density city in southeastern Minnesota with fewer accidents and lower theft rates.

Most Twin Cities suburbs, including Bloomington ($83), Brooklyn Park ($91), Maple Grove ($81), Plymouth ($81) and Woodbury ($82), cluster within $10/month of each other, reflecting similar suburban risk profiles. These cities share comparable traffic patterns, crime rates and weather-related claim frequencies. To compare car insurance options across Minnesota cities, use the table:

Minnesota threads the needle — strong on injuries, weak on property damage.

At 30/60/10, Minnesota requires more bodily injury coverage than most states and backs it with mandatory PIP and UM/UIM, meaning your own medical bills and lost wages are covered regardless of fault and you're protected if the other driver isn't insured. For personal injury coverage, it's one of the more complete minimum packages in the country.

The gap is property damage. At $10,000, Minnesota sits near the bottom nationally — and with the average new vehicle price well above $40,000, that limit covers a fraction of a serious collision. If you cause a crash that totals another car, you're likely paying the difference out of pocket. That's the one coverage worth bumping above minimum before anything else.

These eight strategies help Minnesota drivers find the cheapest car insurance. Choosing Auto-Owners over Nationwide saves $76/month ($912/year) on full coverage.

In Minnesota, the cheapest minimum and full coverage providers differ: Westfield leads minimum coverage while Auto-Owners leads full coverage, making it worth comparing quotes separately by coverage type. To compare car insurance options and find the cheapest car insurance companies, follow these steps: