Cheapest Low-Income Car Insurance in Minnesota

Minnesota's car insurance rates fall well below the $53 national average. Westfield offers the lowest rates for most drivers, while State Farm provides better pricing for DUI violations. Minnesota's moderate rates sit between Wyoming's bargain prices and expensive coastal states like New York or Delaware.

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Auto-Owners captures Minnesota's family insurance market with competitive rates: married couples with teens pay $50 monthly, couples without children $42, and single parents $79. Minnesota families adding teenage drivers see just $8 monthly increases through Auto-Owners, substantially smaller than the $20 to $50 jumps common elsewhere. 

Single parents pay only $29 above married couples with teens, a moderate gap compared to the $50 to $100 premiums charged in expensive coastal states. We found Minnesota positions itself well beneath national family insurance averages, with rates comparable to other affordable upper Midwest markets. State Farm at $64 for married couples with teens provides an alternative for households preferring different coverage features or local agent support.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Minnesota drivers must meet these minimum car insurance requirements: 

• $30,000 in bodily injury liability per person
• $60,000 in bodily injury liability per accident
• $10,000 in property damage liability per accident

If you're leasing or financing a vehicle, you'll need a split of 100/300/100 liability coverage along with comprehensive and collision protection.

Westfield offers the cheapest car insurance for most low-income drivers in Minnesota. State Farm and West Bend are the most affordable options for high-risk drivers. To secure the best deal, compare quotes from multiple providers through different channels.

Saving on car insurance can be challenging for low-income drivers. Here are answers to common questions about reducing costs.

Low-income drivers need accurate pricing data, not national estimates that don't reflect Minnesota's unique market. We gathered 328,384 quotes from 14 insurers across all 370 Minnesota ZIP codes to identify which companies offer the lowest minimum coverage rates. Minnesota's requirements differ from other states, so we focused exclusively on local pricing patterns rather than applying national averages that would mislead budget-conscious drivers.

Our Research Approach

We analyzed quotes from major national carriers and regional insurers operating in Minnesota. Each company needed sufficient market presence across the state to qualify for our analysis. We gathered minimum coverage quotes (the most affordable option for meeting legal requirement) using profiles representing different ages, driving histories and credit scores.

Our baseline profile used a 40-year-old male driver with good credit, a clean record and 12,000 annual miles in a 2012 Toyota Camry LE. We tested how rates change with age (young drivers 22-29, adults 30-59, seniors 60+), violations (speeding tickets, at-fault accidents, DUIs) and credit quality. Family profiles included married couples with and without teen drivers, plus single parents with teens.

Coverage Analysis

Our data reflects minimum coverage meeting Minnesota's 30/60/10 liability requirements. This represents the most affordable legal coverage available to low-income drivers. We excluded comprehensive and collision coverage since these aren't required by law and increase premiums substantially.

Rate Calculations

We collected quotes across all 370 Minnesota ZIP codes to account for location-based pricing differences. Urban areas like Minneapolis typically charge more than rural counties due to accident frequency and repair costs. Our averages reflect what Minnesota drivers actually pay rather than theoretical national estimates.