Auto-Owners is the cheapest full coverage insurer in Minnesota at $78 a month while Westfield has the lowest rate for minimum coverage at $22 a month and leads every city. Auto-Owners is cheapest for full coverage, teen and senior drivers, and most violations in Minnesota. State Farm is cheapest after a DWI at $102 a month, and North Star Insurance is cheapest for bad credit at $155 a month. Auto-Owners' 4.75/5 MoneyGeek score is the highest in the state; see how other Minnesota insurers rank at best car insurance in Minnesota.
Cheapest Car Insurance in Minnesota for 2026
Updated: July 11, 2026
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Minimum Coverage (Clean Record) | Westfield Insurance | $22 | 4.29/5 |
Full Coverage (Clean Record) | Auto-Owners | $78 | 4.75/5 |
Teen Driver — Male, Age 16 (Full Coverage) | Auto-Owners | $205 | 4.75/5 |
Teen Driver — Female, Age 16 (Full Coverage) | Auto-Owners | $197 | 4.75/5 |
By City | Westfield Insurance | $18-$42 | 4.29/5 |
Senior Driver, Age 70 (Full Coverage) | Auto-Owners | $73 | 4.75/5 |
Speeding Ticket (Full Coverage) | Auto-Owners | $87 | 4.75/5 |
At-Fault Accident (Full Coverage) | Auto-Owners | $100 | 4.75/5 |
DWI (Full Coverage) | State Farm | $102 | 4.27/5 |
Bad Credit (Full Coverage) | North Star Insurance | $155 | 4.14/5 |
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Auto-Owners
Best Cheap Car Insurance for Full Coverage and Drivers of All Ages
Auto-Owners has the lowest rate for teen and senior drivers and for most violation profiles in Minnesota. This insurer operates through independent agents, so families adding a teen driver get a local agent for claims follow-up because teens file more claims than any other age group and are most likely to need claims support. At $78 a month with a 4.75/5 MoneyGeek score, Auto-Owners is the first quote for full coverage in Minnesota.
Cheapest Car Insurance in Minnesota by Coverage Type
Auto-Owners | $34 | $78 | 4.75/5 |
Travelers | $42 | $83 | 4.49/5 |
AAA | $38 | $84 | 4.33/5 |
State Farm | $34 | $96 | 4.27/5 |
Westfield Insurance | $22 | $98 | 4.29/5 |
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Cheapest Minimum Coverage in Minnesota
Westfield has the cheapest minimum coverage rate in Minnesota at $22 a month. For minimum coverage drivers, customer experience matters most because your insurer handles the claims process on your behalf when another driver is at fault. Auto-Owners and State Farm both charge $34 a month for minimum coverage, but Auto-Owners has a stronger service record with claims handling than State Farm does at the same price. Quote Westfield first. For the second quote, Auto-Owners beats State Farm on service at no cost difference.
Cheapest Full Coverage in Minnesota
Auto-Owners leads at $78 a month and Westfield, the most expensive of the five, charges $98, which is a $20 monthly cost difference. Travelers is second at $83, $5 more than Auto-Owners. At that $5 price difference, Travelers scores 4.49/5 against Auto-Owners' 4.75/5, but Auto-Owners has both the lower price and the stronger service record, so there's no reason to pay more.
Cheapest Car Insurance in Minnesota for Teens and Young Adults
Auto-Owners is the cheapest for 16-year-olds in Minnesota at $205 a month for males and $197 a month for females, and holds that position for male drivers from ages 16 through 25. For female drivers, Westfield is cheaper at $138 for age 19 and $127 for age 20, saving $204 over those two years. Auto-Owners is the most affordable for female drivers at 21 at $116 a month. Teen drivers file more claims than any other age group, which is why Auto-Owners' stronger service record matters more for teen drivers than for most other age groups. If claims handling is a priority, stay with Auto-Owners.
If saving $204 over two years matters more, switch to Westfield at 19 and re-quote Auto-Owners at 21. For male drivers, the biggest single-year rate drop is $21 a month at age 19, when Auto-Owners' rate falls from $176 to $155. Re-quote before that birthday to confirm the drop applies, and check back each year. At 25, Auto-Owners' rate drops to $89 a month for males, $116 less than at 16. Teens under 18 can't legally buy auto insurance without a parent or guardian as co-signer.
Auto-Owners | $197 | Auto-Owners | $205 | |
Auto-Owners | $183 | Auto-Owners | $192 | |
Auto-Owners | $169 | Auto-Owners | $176 | |
Westfield Insurance | $138 | Auto-Owners | $155 | |
Westfield Insurance | $127 | Auto-Owners | $140 | |
Auto-Owners | $116 | Auto-Owners | $123 | |
Auto-Owners | $106 | Auto-Owners | $112 | |
Auto-Owners | $96 | Auto-Owners | $101 | |
Auto-Owners | $89 | Auto-Owners | $94 | |
Auto-Owners | $84 | Auto-Owners | $89 |
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Cheapest Car Insurance in Minnesota for Seniors
Auto-Owners charges seniors $73 a month in Minnesota, the lowest rate in the table and $5 less than its own adult rate for a standard driver. AAA is second at $82 a month, but Auto-Owners has the strongest service record, which matters here because seniors file claims more often than most age groups. Re-quote Auto-Owners, AAA and Travelers at each renewal to confirm Auto-Owners still has the lowest rate.
Auto-Owners | $73 | 4.58/5 |
AAA | $82 | 3.76/5 |
Westfield Insurance | $83 | 3.48/5 |
Travelers | $84 | 4.28/5 |
State Farm | $89 | 3.80/5 |
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Auto-Owners
Best Cheap Car Insurance for Seniors in Minnesota
Auto-Owners charges seniors $73 a month in Minnesota, the lowest senior rate in the state and $5 below what it charges a standard adult driver. Auto-Owners operates through independent agents, so seniors have access to a local agent for policy questions and claims without paying more for that access. Its 4.58/5 customer experience score is the highest in the seniors table, which means the strongest service record in the table comes at the lowest price.
Cheapest Car Insurance in Minnesota by City
The same Westfield policy costs $18 a month in Eden Prairie and $42 a month in Saint Paul, which is a $24 difference for the same driver, same company and same coverage. Westfield has the lowest rate in all 20 of Minnesota's largest cities, so every Minnesota driver shopping for minimum coverage quotes Westfield first. Nineteen of 20 cities cluster between $18 and $23 a month. Saint Paul comes in at $42, more than double the rate in Eden Prairie, and no other company undercuts Westfield anywhere in the top 20. If you're in Saint Paul, switching to a different insurer won't help and Westfield is still cheapest. Your city is inflating the rate, not your insurer.
Eden Prairie | Westfield Insurance | $18 |
Lakeville | Westfield Insurance | $18 |
Minnetonka | Westfield Insurance | $18 |
Shakopee | Westfield Insurance | $18 |
St. Cloud | Westfield Insurance | $19 |
Burnsville | Westfield Insurance | $20 |
Duluth | Westfield Insurance | $20 |
Maple Grove | Westfield Insurance | $20 |
Apple Valley | Westfield Insurance | $21 |
Blaine | Westfield Insurance | $21 |
Coon Rapids | Westfield Insurance | $21 |
Plymouth | Westfield Insurance | $21 |
Woodbury | Westfield Insurance | $21 |
Brooklyn Park | Westfield Insurance | $22 |
Eagan | Westfield Insurance | $22 |
Bloomington | Westfield Insurance | $23 |
Edina | Westfield Insurance | $23 |
Minneapolis | Westfield Insurance | $23 |
Rochester | Westfield Insurance | $23 |
Saint Paul | Westfield Insurance | $42 |
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Cheapest Car Insurance in Minnesota for High-Risk Drivers
Auto-Owners charges no extra for a texting while driving violation in Minnesota. Its $78 a month rate after a texting ticket is identical to its clean-record rate. That zero increase doesn't apply to other violations: speeding costs $87, and an at-fault accident costs $100 with Auto-Owners. State Farm is the cheapest after a DWI at $102 a month, only $6 above its own clean-record rate of $96. Minnesota doesn't require SR-22 or FR-44 after a DWI, so no filing paperwork is needed.
North Star is the lowest-cost option for bad credit at $155 a month, but it has the weakest service record among the companies on this page. If service quality matters, Auto-Owners has a stronger service record than North Star, though its bad-credit rate will be higher than $155. Once credit improves to good, re-quoting Auto-Owners returns the rate to $78 a month, closing the full $77 monthly gap.
Speeding Ticket | Auto-Owners | $87 | 4.58/5 |
At-Fault Accident | Auto-Owners | $100 | 4.58/5 |
DWI | State Farm | $102 | 3.80/5 |
Texting While Driving | Auto-Owners | $78 | 4.58/5 |
Bad Credit | North Star Insurance | $155 | 3.48/5 |
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How to Get Cheaper Car Insurance in Minnesota
Switching between the cheapest and most expensive full coverage options in Minnesota's top five saves $20 a month; dropping to minimum coverage saves $56 a month.
- 1
Compare at least three Minnesota insurers and save $20 a month
The full coverage spread from Auto-Owners at $78 a month to Westfield at $98 a month is $20, or $240 a year. Re-quote Auto-Owners, Travelers and AAA at each renewal. Rates change when companies refile, and the cheapest option this year may not hold that position at your next renewal.
- 2
Match coverage to your vehicle's value and save $56 a month
The gap between minimum and full coverage in Minnesota is $56 a month, or $672 a year. With a $1,000 deductible, full coverage only pays net when your car is worth more than the deductible. Minnesota's minimums include PIP and UM/UIM, so dropping to minimum coverage removes collision and comp only. Run that math before renewing at full coverage on an older car.
- 3
Bundle home and auto and save with Auto-Owners
Minnesota drivers who bundle home and auto with Auto-Owners can qualify for a multi-policy discount. Compare bundle savings across Auto-Owners and other Minnesota insurers at the best home and auto bundle in Minnesota before committing to one insurer.
- 4
Re-shop when your violation ages off
A driver paying Auto-Owners $100 a month re-quotes at the three-year mark and returns to $78, a $22 monthly recovery. After a DWI, re-quote State Farm and Auto-Owners within 60 days of that period ending.
- 5
Improve your credit before renewal and recover $77 a month
Minnesota permits credit-based insurance scoring. Poor credit costs $155 a month with North Star Insurance; good credit costs $78 with Auto-Owners, a $77 monthly gap, or $924 a year. Re-quote Auto-Owners 45 days before your renewal date after your credit tier improves.
- 6
Enroll in a telematics program to lower your rate further
Telematics programs track your driving through a phone app or plug-in device and adjust your rate at renewal based on your driving behavior. Most programs can lower your rate for safe driving, but poor scores can raise it. Verify availability in Minnesota with each company before enrolling.
Travelers IntelliDrive ($83 a month for full coverage): Monitors driving for 90 days. Discounts vary by performance; poor driving scores can raise your rate.
State Farm Drive Safe & Save ($96 a month for full coverage): Tracks driving via the State Farm app or your vehicle's built-in connectivity. Safe drivers can save up to 30% at renewal.
AAA ($84 a month for full coverage): AAA membership qualifies drivers for auto insurance discounts. Contact AAA Minnesota to confirm whether a telematics option is available and current member rates.
MoneyGeek analyzed rates from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Minnesota. Carriers are required to file rates with the state regulator before charging them; these are filed rates, not estimates or online quote approximations.
The baseline driver profile is a 40-year-old male driving a 2012 Toyota Camry LE with a clean driving record, good credit, and 12,000 miles annually. Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is Minnesota's state-mandated 30/60/10 with $40,000 PIP and 25/50 UM/UIM. Teen and young adult rates reflect standalone policies for drivers ages 16 to 25, split by gender (gender is a permitted rating factor in Minnesota). Senior rates reflect a 70-year-old driver with the same baseline vehicle and coverage. Violation profiles use the baseline driver with one driving record variable changed.
Poor credit rates use the baseline with the credit tier changed to poor; Minnesota permits credit as a rating factor. USAA is excluded from all provider tables; it's available only to military members, veterans, and immediate family. Eligible drivers should include USAA in any quote comparison.
MoneyGeek scores carriers on three factors: Affordability (60% of score) uses normalized rates across all carriers within each driver profile; Customer Experience (30%) draws on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings; Coverage Options (10%) reflects the breadth of available add-on coverages.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.