Updated: March 9, 2026
Advertising & Editorial Disclosure
American Family, Iowa Farm Bureau and Auto-Owners offer the cheapest car insurance in Minnesota for state minimum and full coverage for high-risk drivers.
Annual premiums for high-risk drivers range widely, with the lowest being $558 and the highest reaching $5,179.
To find the best affordable deal on high-risk car insurance, determine your coverage needs, research average costs and discounts, and compare offers from multiple insurance providers.
In our analysis, Westfield is the cheapest for young and senior drivers, drivers with a speeding ticket and those with an accident.
State Farm offers the best rates for drivers with a DUI. West Bend is the most affordable for drivers with bad credit and those with both bad credit and driving violations.
| Westfield | Young Drivers | $34 |
| Westfield | Senior Drivers | $33 |
| Westfield | Drivers With a Speeding Ticket | $29 |
| Westfield | Drivers With an Accident | $35 |
| State Farm | Drivers With a DUI | $44 |
| West Bend Mutual | Drivers With Bad Credit | $43 |
| West Bend Mutual | Drivers With Bad Credit And Driving Violations | $61 |
*These rates are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Not every driver fits the same risk profile. The full coverage rates below let you compare top Minnesota providers side by side and find your best rate.
| American Family | $74 | $892 |
| Iowa Farm Bureau | $127 | $1,525 |
| Auto-Owners Insurance Co | $129 | $1,549 |
| Travelers | $135 | $1,618 |
| Westfield | $143 | $1,711 |
High-risk car insurance costs in Minnesota range from $46 to $432 per month, depending on your driver profile and pricing factors. You can compare average pricing for your profile by filtering the table below.
| $58 | $694 | $0 | $0 | 0% |
In Minnesota, the legal look-back period can be as long as 10 years after a violation, though this is often reserved for those with major offenses such as DUIs or reckless driving.
Minor offenses affect your rates for around three to five years from the violation. How long violations affect your rates depends on the insurance company's policies.
High-risk drivers often find it tricky to get car insurance. Find out what qualifies as high-risk, how to find affordable coverage and what to do if you're denied.
Auto insurance companies classify these drivers as high-risk:
These strategies can help you save money and find the best high-risk car insurance provider in Minnesota.
Figure out the car insurance you need before comparing companies. A clear sense of your coverage needs helps you resist pressure from persuasive agents. Check add-ons like rideshare coverage and roadside assistance, too.
Look up average rates for your driver profile and note any discounts you may qualify for. A state-certified defensive driving course can cut your premium by up to 10%.
Look into pay-per-mile or usage-based car insurance to save money. GEICO's telematics program monitors your driving habits and can cut costs by up to 30%. These programs reward safe driving and low mileage.
Compare at least three insurance providers to get a sense of the market. Use independent brokers and online comparison platforms for different perspectives. Run quotes on similar coverage types so you can see how each insurer's rates hold up.
Insurance companies choose who they cover and may deny you if they consider you too high-risk. If that happens, you can still get coverage through a residual market plan with AIPSO.
Monday to Friday, 8 a.m. to 4 p.m. CT
(888) 706-6100
(800) 827-6260
PO Box 6530
Providence, RI 02940-6530
Based on our research, American Family, Iowa Farm Bureau and Auto-Owners are the most affordable for high-risk insurance. That said, comparing quotes directly can help you confirm the best deal for your profile. If you're denied coverage, AIPSO's residual market plan is your next option for getting covered.
Westfield is the cheapest high-risk car insurance provider in Minnesota. Monthly rates start at $29 for drivers with a speeding ticket.
Contact the Automobile Insurance Plan Service Office (AIPSO). It runs a residual market plan that provides coverage when standard insurers won't.
High-risk car insurance in Minnesota costs more than standard coverage, and often by a wide margin. Drivers aged 30 to 59 with a good insurance score pay 38% to 239% more for full coverage than drivers with a clean record. Minimum coverage premiums run 43% to 293% higher.
Finding affordable car insurance after a driving violation can feel stressful and unfair. Our analysis focuses on drivers who pay more due to accidents, tickets, DUIs or other risk factors. We broke down costs by profile so you can see exactly how much each situation affects your rate.
Our rate calculations changed a single variable at a time from the base profile. Each change shows how a specific driving infraction raises your premium.
Our base profile included:
The high-risk profiles we analyzed covered:
Rate combinations across these factors are also part of the analysis, covering a range of real driver situations.
The analysis includes rates for two policy types. Each provides a different level of financial protection, so knowing the difference helps when you compare quotes.
Full coverage policies formed the basis for most of our rate calculations. This policy type combines liability coverage with collision and comprehensive coverage.
Minimum coverage rates are also included. Any rate labeled minimum coverage reflects Minnesota's legal requirement.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
