Updated: December 3, 2025
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 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.
While the table above offers an overview of affordable companies for high-risk insurance, it doesn't cover every driver's unique profile. The table below compares full coverage 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 |
High-risk car insurance costs in Minnesota range from $46 to $432 per month, depending on your unique combination of 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 your rates are affected is up to the insurance company and its own rules.
High-risk drivers often find it tricky to get car insurance. This guide helps you understand what makes you high-risk, find affordable insurance and handle denials.
Auto insurance companies consider the following drivers to be high-risk:
You can save money and choose the best provider for high-risk car insurance in Minnesota by following these key tips.
Determine the car insurance you need before comparing companies, so trends or persuasive agents don't influence you. Consider any add-ons, like rideshare coverage and roadside assistance.
Understanding average costs for your profile and potential discounts helps you evaluate deals when comparing providers. You can also save money by taking a state-certified defensive driving course, which can trim up to 10% off premiums. Knowing these details helps direct you to the most affordable insurers.
To save money, explore pay-per-mile or other usage-based car insurance options. For example, 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.
Compare at least three insurance providers to understand market offerings. Use independent brokers and online comparison platforms for diverse perspectives. Make sure you're comparing similar coverage types to gauge how insurers measure up against each other.
Car insurance is a choice for companies, so they may refuse financial protection if they think you're too risky. If that happens, you can still get insurance through a residual market plan with AIPSO.
We've provided contact information below if you want to start the process.
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. While these are our findings, you should do your own research to find the best deal. If you're denied coverage, consider signing up for programs that help you get affordable insurance.
Get 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 financial protection, reach out to the Automobile Insurance Plan Service Office (AIPSO) to secure an insurance plan.
High-risk car insurance in Minnesota can be more costly. 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.
Finding affordable car insurance after a driving violation can feel stressful and unfair. We know your priority is getting the best rate without sacrificing the financial protection you need. We designed our analysis to pinpoint the cheapest options for drivers with different high-risk profiles.
We calculated average annual and monthly rates by modifying a single base profile. This allows you to directly compare how different driving infractions affect your premium.
Our base profile included:
The high-risk profiles we analyzed addressed modifications for:
We also considered combinations of these factors to ensure our recommendations are personalized and accurate.
We gathered rates for two policy types. Understanding the financial protection each provides is essential when you compare quotes.
We used full coverage car insurance policies to calculate rates for most profiles. This policy type includes liability coverage, plus collision and comprehensive coverage.
We also calculated minimum coverage rates. When you see rates labeled minimum coverage, these figures reflect Minnesota’s legal requirement.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
