Updated: May 20, 2025
Advertising & Editorial Disclosure
For high-risk car insurance in Minnesota, American Family, Iowa Farm Bureau and Auto-Owners offer the most affordable options for state minimum and full coverage.
Annual premiums for high-risk drivers range widely, with the lowest being $558 and the highest reaching $5,179.
To find the best deal on high-risk car insurance, determine your coverage needs, research average costs and available 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 Mutual 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 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
While our table above gives an overview of affordable companies for high-risk insurance, it doesn't cover every driver's unique profile. Below, you'll find a table to compare rates from top providers, helping you find the best option tailored to your needs.
| 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 |
Overall, high-risk car insurance costs in Minnesota can range anywhere from $46 to $432 per month, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
| $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.
But minor offenses tend to affect your rates around three to five years from the violation. How long your rates are affected is up to the insurance company and its own rules.
Getting car insurance can be tricky for high-risk drivers. This guide helps you understand what makes you high-risk, find affordable insurance, and navigate denials.
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
Below, you'll find key tips to help you save money and choose the best provider for high-risk car insurance in Minnesota. Stay informed and make smart choices.
It's best to determine the car insurance you need before comparing companies, so you're not influenced by trends or persuasive agents. This involves considering any add-ons like rideshare coverage and roadside assistance.
Understanding average costs for your profile and potential discounts helps you evaluate deals while comparing providers. Consider taking a state-certified defensive driving course, which can trim up to 10% off premiums. Knowing these details can direct you to the most affordable insurers.
To save money, explore pay-per-mile or other usage-based car insurance options. For example, one of the affordable providers, Geico, offers a telematics program that monitors your driving habits and can reduce your insurance costs by up to 30%. These options reward safe driving and low mileage.
It's crucial to compare at least three insurance providers to understand market offerings. Utilize independent brokers and online comparison platforms for diverse perspectives. Ensure you're comparing similar coverage types to effectively gauge how insurers measure up against each other.
Car insurance is a choice for companies, so they might refuse coverage if they think you're too risky. If that happens, you can still get insurance through a residual market plan with AIPSO.
Below, we've provided contact information if you want to start the process.
Monday–Friday 8:00 a.m.–4:00 p.m. CT
mnaip@aipso.com
(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 Insurance Co. are the most affordable for high-risk insurance. While these are our findings, it's wise to do your own research to find the best deal. If you're denied coverage, don't worry—there are programs to help you secure affordable insurance.
Below are answers to common questions about high-risk car insurance in Minnesota.
Westfield is the cheapest high-risk car insurance provider in Minnesota. The lowest rate for monthly high-risk car insurance in Minnesota is $29 with Westfield for drivers with a speeding ticket.
After being denied coverage, reach out to the Automobile Insurance Plan Service Office (AIPSO) to secure an insurance plan.
High-risk car insurance in Minnesota can be substantially costlier. For adults aged 30 to 59 with a good insurance score, high-risk full coverage costs around 38% to 239% more than a clean record, while state minimum is around 43% to 293% higher.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
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.
