Car Insurance in Minnesota: How to Find the Policy That Fits You

For all your car insurance needs in Minnesota, MoneyGeek offers analysis and solutions.

Find the Best or Cheapest Car Insurance in Minnesota

MoneyGeek gathered and examined auto insurance premiums to find the cheapest companies in Minnesota. According to our unique scoring system, we found the best companies that balance cost and affordability. Additionally, MoneyGeek looked into how much car insurance costs based on factors such as age, driving record and more. This may help you if you’re looking at overall expenses.

The above resources evaluate the cheapest and best car insurance for specific kinds of drivers. There’s a quick summary of what you can expect to find in the table below. All recommendations are for a full coverage policy unless otherwise stated.

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  • Minimum liability: AAA
  • Full coverage: Farmers
  • Drivers with a DUI: State Farm
  • After an accident: American Family
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: GEICO
  • Senior drivers: State Farm
  • Student drivers: State Farm
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  • Overall: Auto-Owners Insurance Co
  • Customer Service: Auto-Owners Insurance Co
  • On a Budget: Auto-Owners Insurance Co
  • Poor Driving Record: Auto-Owners Insurance Co
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Farmers
  • Low-Mileage Drivers: Nationwide

Get a Minnesota Car Insurance Quote

For the same driver across different companies, car insurance quotes in Minnesota can differ by as much as $829 annually. That said, it’s advisable to compare quotes if you’re looking to save on monthly expenses. Fortunately, this process shouldn’t be time-consuming.


Car Insurance Laws in Minnesota

MoneyGeek provides all the information you need about Minnesota car insurance laws and requirements. By law, you should have the following:

You’re only protected by the above financial coverages in Minnesota. The state minimum coverage doesn’t require comprehensive and collision insurance. However, your unique situation should determine how much car insurance you need, not the minimum legal requirements.

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High-risk drivers, like those with a DUI, are required to file for an SR-22 in Minnesota. The SR-22 is a form for proof of insurance. MoneyGeek notes how much insurance costs with an SR-22 and how to file with your auto insurance provider.

Specialty Car Insurance in Minnesota

Since traditional car insurance may not always meet your needs, MoneyGeek explored the alternative car insurance types in Minnesota that better match your situation. These include non-owner car insurance, temporary car insurance and low-income car insurance. Below, you can learn more about unique car insurance types in Minnesota.

MoneyGeek Specialty Car Insurance Resources


Non-owner car insurance

If you borrow or rent cars often and need proof of insurance, getting non-owner car insurance in Minnesota might be a good option.


Temporary car insurance

Drivers that need coverage for a few months can get temporary car insurance in Minnesota by purchasing a policy and canceling it early. An alternative is buying rental car insurance.


Car insurance for low-income drivers

MoneyGeek listed ways that low-income drivers in Minnesota can save on their premiums even though the state doesn’t offer financial assistance.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.