Cheapest Car Insurance in Minnesota


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Key Takeaways

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The cheapest car insurance companies in Minnesota for most drivers are Westfield Insurance, Auto Owners and AAA, offering average savings of up to 29%.

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Car insurance costs can be as low as $12 for minimum coverage and $53 for full coverage policies on average in Minnesota.

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To get the cheapest car insurance in Minnesota, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.

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Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Who Has the Cheapest Car Insurance in Minnesota?

Westfield offers Minnesota's most affordable coverage, with monthly rates of $20 for minimum coverage and $92 for full coverage. You'll save $23 monthly (29%) compared to state averages. Get quotes from Auto-Owners, AAA, State Farm and North Star too.

Westfield Insurance$20$92-29%$-23
Auto Owners$36$82-26%$-20
AAA$38$83-24%$-19
State Farm$33$94-19%$-15
North Star Insurance$33$101-16%$-12

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

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$150
High
$109
Average
$69
Low

Rates updated:

Sep 12, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
88
/of 100
$69
2
GEICO

GEICO

75
/of 100
$101
3
Nationwide

Nationwide

76
/of 100
$103
4
77
/of 100
$112
5
87
/of 100
$120
6
61
/of 100
$150
Your Next Step:

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Best Car Insurance Rates by Category in Minnesota

Auto-Owners offers the lowest rates for three out of our 10 driver categories in Minnesota, while State Farm, Westfield and North Star each provide the cheapest rates for two categories. Find your specific rates in the table:

Young DriversAuto Owners$57
Adult DriversWestfield Insurance$19
Senior DriversWestfield Insurance$29
Drivers With An AccidentState Farm$40
Drivers With A DUIState Farm$37
Drivers With A Speeding TicketAuto Owners$41
Drivers With Bad CreditNorth Star Insurance$43
Drivers With Low IncomeNorth Star Insurance$31
Drivers With Newer CarsTravelers$37
Drivers With Old CarsAuto Owners$23

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MINNESOTA

Compare the Cheapest Car Insurance in Minnesota for You

The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Westfield offers the lowest rates at $150 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Westfield Insurance$150$1,804-52%$-1,942
Western National Insurance$166$1,992-47%$-1,754
North Star Insurance$173$2,080-44%$-1,666
Auto Owners$217$2,599-31%$-1,147
Travelers$282$3,380-10%$-366

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Minnesota by City

Where you live in Minnesota affects your insurance costs based on local crime, accidents and traffic density. Westfield charges as little as $12 in Badger but costs $42 in Saint Paul. Here are the cheapest providers for every Minnesota city:

Data filtered by:Results filtered by:
Select
City:
MinneapolisWestfield Insurance$23-47%$-50
St. PaulWestfield Insurance$23-41%$-42
RochesterAuto Owners$33-32%$-24
BloomingtonAuto Owners$37-27%$-23
DuluthAuto Owners$32-28%$-20
Brooklyn ParkWestfield Insurance$22-36%$-33
PlymouthWestfield Insurance$21-29%$-23
WoodburyWestfield Insurance$21-34%$-28
Maple GroveWestfield Insurance$20-35%$-28
LakevilleWestfield Insurance$18-38%$-30
BlaineWestfield Insurance$21-35%$-29
EaganAuto Owners$36-29%$-24
Eden PrairieWestfield Insurance$18-39%$-30
Coon RapidsWestfield Insurance$21-36%$-31
BurnsvilleWestfield Insurance$20-33%$-26
Apple ValleyWestfield Insurance$21-32%$-26
MinnetonkaWestfield Insurance$18-37%$-29
EdinaAuto Owners$37-27%$-22
St. Louis ParkWestfield Insurance$22-32%$-28
MankatoAuto Owners$29-27%$-17
MoorheadWestfield Insurance$17-29%$-19
ShakopeeWestfield Insurance$18-37%$-29
MaplewoodWestfield Insurance$18-47%$-44
Cottage GroveWestfield Insurance$18-39%$-31
Inver Grove HeightsWestfield Insurance$21-34%$-28
RichfieldWestfield Insurance$22-31%$-27
RosevilleWestfield Insurance$23-34%$-32
SavageWestfield Insurance$18-40%$-31
AndoverWestfield Insurance$20-34%$-28
Brooklyn CenterWestfield Insurance$24-38%$-38
FridleyWestfield Insurance$24-35%$-34
OakdaleAuto Owners$38-28%$-24
RamseyAuto Owners$37-28%$-23
ShoreviewWestfield Insurance$22-31%$-26
Prior LakeWestfield Insurance$19-35%$-28
AustinAuto Owners$29-31%$-21
OwatonnaWestfield Insurance$17-34%$-23
ChanhassenAuto Owners$32-32%$-24
WinonaAuto Owners$31-28%$-20
White Bear LakeAuto Owners$37-27%$-22
Elk RiverWestfield Insurance$19-38%$-30
FarmingtonWestfield Insurance$17-41%$-32
ChamplinWestfield Insurance$21-34%$-28
New BrightonAuto Owners$39-26%$-22
HastingsWestfield Insurance$18-40%$-31
NorthfieldWestfield Insurance$18-34%$-24
StillwaterWestfield Insurance$18-39%$-32
South St. PaulWestfield Insurance$20-37%$-31
Albert LeaAuto Owners$30-28%$-19
AdaAuto Owners$30-31%$-22
AdamsAuto Owners$30-29%$-20
AdolphWestfield Insurance$18-32%$-23
AdrianWestfield Insurance$19-27%$-18
AftonWestfield Insurance$18-40%$-32
Ah Gwah ChingWestfield Insurance$18-40%$-33
AitkinAuto Owners$34-27%$-21
AkeleyWestfield Insurance$20-34%$-27
AlbanyWestfield Insurance$18-35%$-26
AlbertaWestfield Insurance$17-33%$-22
AlbornAuto Owners$34-30%$-24
AldenWestfield Insurance$18-31%$-21
AldrichWestfield Insurance$20-34%$-27
AlexandriaWestfield Insurance$17-38%$-26
AlmelundWestfield Insurance$18-41%$-34
AlphaWestfield Insurance$18-31%$-21
AlturaWestfield Insurance$18-30%$-21
AlvaradoWestfield Insurance$18-31%$-22
AmboyWestfield Insurance$17-32%$-22
Angle InletWestfield Insurance$16-41%$-29
AngoraWestfield Insurance$18-37%$-28
AnnandaleWestfield Insurance$18-37%$-29
AppletonWestfield Insurance$17-33%$-23
ArcoWestfield Insurance$19-27%$-19
ArgyleWestfield Insurance$18-32%$-23
ArlingtonAuto Owners$31-28%$-20
AshbyAuto Owners$30-31%$-22
AskovWestfield Insurance$21-28%$-22
AtwaterWestfield Insurance$17-36%$-25
AudubonAuto Owners$30-32%$-23
AuroraWestfield Insurance$20-30%$-23
AvocaAuto Owners$31-26%$-18
AvonWestfield Insurance$18-37%$-28
BabbittAuto Owners$34-31%$-24
BackusWestfield Insurance$21-30%$-24
BadgerWestfield Insurance$12-53%$-37
BagleyWestfield Insurance$21-29%$-22
BalatonWestfield Insurance$19-28%$-19
BarnesvilleAuto Owners$29-31%$-21
BarnumAuto Owners$32-32%$-25
BarrettAuto Owners$31-30%$-21
BarryWestfield Insurance$19-30%$-22
Battle LakeAuto Owners$31-29%$-21
BaudetteWestfield Insurance$17-37%$-27
BaxterAAA$35-30%$-24
BayportWestfield Insurance$18-42%$-34
BeardsleyAuto Owners$32-26%$-18
Beaver CreekWestfield Insurance$18-32%$-22
BeckerWestfield Insurance$19-36%$-28
BejouAuto Owners$32-30%$-22
BelgradeWestfield Insurance$20-31%$-23
Belle PlaineWestfield Insurance$18-34%$-24
BellinghamAuto Owners$32-26%$-18
BeltramiWestfield Insurance$17-35%$-24
BelviewWestfield Insurance$18-30%$-20
BemidjiWestfield Insurance$19-35%$-28
BenaWestfield Insurance$20-33%$-26
BenedictWestfield Insurance$20-33%$-26
BensonAuto Owners$30-30%$-21
BerthaWestfield Insurance$20-31%$-25
BethelWestfield Insurance$19-37%$-30
BigelowWestfield Insurance$18-29%$-20
Big FallsWestfield Insurance$20-30%$-22
BigforkWestfield Insurance$20-30%$-23
Big LakeWestfield Insurance$18-39%$-31
Bingham LakeWestfield Insurance$18-28%$-19
BirchdaleWestfield Insurance$20-30%$-22
Bird IslandWestfield Insurance$18-30%$-20
BiwabikWestfield Insurance$17-40%$-29
BlackduckWestfield Insurance$20-35%$-28
BlomkestWestfield Insurance$17-36%$-25
Blooming PrairieWestfield Insurance$17-36%$-25
Blue EarthAuto Owners$30-27%$-18
BlufftonAuto Owners$32-27%$-19
BockWestfield Insurance$22-28%$-22
BorupAuto Owners$30-30%$-21
BoveyWestfield Insurance$19-32%$-24
BowlusWestfield Insurance$19-36%$-28
BowstringWestfield Insurance$20-33%$-27
BoydWestfield Insurance$18-30%$-21
BrahamWestfield Insurance$20-34%$-27
BrainerdWestfield Insurance$18-39%$-31
BrandonWestfield Insurance$17-34%$-24
BreckenridgeAuto Owners$29-32%$-22
Breezy PointWestfield Insurance$18-41%$-32
BrewsterWestfield Insurance$19-27%$-19
BricelynAuto Owners$30-28%$-19
BrimsonWestfield Insurance$21-31%$-25
BrittWestfield Insurance$19-34%$-26
Brook ParkAuto Owners$36-26%$-21
BrooksWestfield Insurance$19-29%$-20
BrookstonAuto Owners$34-29%$-23
BrootenWestfield Insurance$20-31%$-23
BrowervilleWestfield Insurance$18-38%$-30
BrownsdaleWestfield Insurance$18-31%$-21
Browns ValleyAuto Owners$31-28%$-20
BrownsvilleWestfield Insurance$16-36%$-25
BrowntonWestfield Insurance$19-28%$-20
BrunoWestfield Insurance$20-31%$-24
BuffaloWestfield Insurance$21-29%$-22
Buffalo LakeAuto Owners$32-25%$-18
BuhlWestfield Insurance$16-40%$-29
BurtrumWestfield Insurance$20-34%$-27
ButterfieldWestfield Insurance$18-29%$-19
ByronWestfield Insurance$18-31%$-21
CaledoniaWestfield Insurance$18-33%$-23
CallawayAuto Owners$31-30%$-21
CalumetWestfield Insurance$19-34%$-26
CambridgeWestfield Insurance$20-33%$-27
CampbellWestfield Insurance$17-34%$-23
CanbyWestfield Insurance$18-30%$-21
Cannon FallsWestfield Insurance$18-35%$-25
CantonWestfield Insurance$18-33%$-23
CanyonWestfield Insurance$21-31%$-24
CarlosWestfield Insurance$17-35%$-25
CarltonAuto Owners$31-30%$-22
CarverAuto Owners$33-30%$-22
Cass LakeWestfield Insurance$20-30%$-25
Center CityWestfield Insurance$20-34%$-27
CeylonWestfield Insurance$18-28%$-19
ChandlerWestfield Insurance$19-26%$-18
ChaskaAuto Owners$32-33%$-26
ChatfieldWestfield Insurance$17-35%$-24
Chisago CityWestfield Insurance$20-34%$-27
ChisholmAuto Owners$32-30%$-22
ChokioWestfield Insurance$17-33%$-23
Clara CityWestfield Insurance$18-30%$-21
ClaremontWestfield Insurance$17-37%$-26
ClarissaWestfield Insurance$20-32%$-25
ClarkfieldAuto Owners$32-25%$-17
Clarks GroveWestfield Insurance$18-29%$-20
ClearbrookWestfield Insurance$19-34%$-26
Clear LakeWestfield Insurance$20-32%$-25
ClearwaterWestfield Insurance$18-37%$-29
ClementsAuto Owners$30-28%$-19
ClevelandWestfield Insurance$18-30%$-21
ClimaxWestfield Insurance$17-35%$-24
ClintonWestfield Insurance$19-26%$-18
ClitherallAuto Owners$32-27%$-19
ClontarfAuto Owners$31-29%$-20
CloquetAuto Owners$31-33%$-24
CohassetWestfield Insurance$20-30%$-22
CokatoWestfield Insurance$19-36%$-27
Cold SpringWestfield Insurance$18-36%$-27
ColeraineWestfield Insurance$16-41%$-30
CologneWestfield Insurance$18-35%$-26
Columbia HeightsWestfield Insurance$23-37%$-37
ComfreyAuto Owners$30-28%$-19
ComstockWestfield Insurance$15-40%$-26
CongerWestfield Insurance$18-31%$-21
CookWestfield Insurance$18-37%$-29
CorrellWestfield Insurance$19-28%$-19
CosmosWestfield Insurance$17-34%$-24
CottonWestfield Insurance$21-32%$-25
CottonwoodWestfield Insurance$17-34%$-23
CourtlandAuto Owners$29-29%$-20
Crane LakeWestfield Insurance$21-29%$-22
CromwellNorth Star Insurance$28-28%$-22
CrookstonAuto Owners$29-33%$-23
CrosbyWestfield Insurance$19-36%$-28
CrosslakeWestfield Insurance$21-27%$-21
Crystal BayWestfield Insurance$18-41%$-34
CurrieAuto Owners$31-26%$-18
CushingWestfield Insurance$20-33%$-26
CyrusWestfield Insurance$18-32%$-22
DakotaWestfield Insurance$16-37%$-25
DalboWestfield Insurance$21-33%$-26
DaltonWestfield Insurance$17-37%$-26
DanubeWestfield Insurance$19-26%$-18
DanversAuto Owners$31-28%$-19
DarfurAuto Owners$30-28%$-19
DarwinWestfield Insurance$18-33%$-23
DasselWestfield Insurance$18-33%$-23
DawsonAuto Owners$32-26%$-18
DaytonWestfield Insurance$19-37%$-29
Deer CreekAuto Owners$32-28%$-20
Deer RiverWestfield Insurance$20-32%$-24
DeerwoodWestfield Insurance$19-36%$-28
DelanoWestfield Insurance$18-39%$-30
DelavanAuto Owners$30-28%$-19
DennisonWestfield Insurance$19-31%$-23
DentAuto Owners$32-28%$-20
Detroit LakesAuto Owners$29-34%$-24
DexterWestfield Insurance$16-38%$-26
DilworthAuto Owners$28-31%$-20
Dodge CenterWestfield Insurance$16-40%$-28
DonaldsonWestfield Insurance$18-32%$-23
DonnellyAuto Owners$31-28%$-19
DoverWestfield Insurance$16-38%$-25
DovrayAuto Owners$31-26%$-18
DumontWestfield Insurance$19-29%$-21
DundasWestfield Insurance$18-34%$-24
DunnellWestfield Insurance$18-27%$-18
Eagle BendWestfield Insurance$20-32%$-25
Eagle LakeAuto Owners$30-28%$-19
East BethelWestfield Insurance$18-41%$-33
East Grand ForksAuto Owners$30-31%$-22
EastonAuto Owners$30-29%$-19
EchoWestfield Insurance$18-30%$-21
Eden ValleyWestfield Insurance$19-31%$-22
EdgertonWestfield Insurance$18-31%$-22
EffieWestfield Insurance$20-29%$-21
EitzenAAA$31-29%$-20
Elbow LakeAuto Owners$31-30%$-21
ElginWestfield Insurance$17-36%$-24
ElizabethWestfield Insurance$18-33%$-23
Elko New MarketWestfield Insurance$15-47%$-35
ElktonAuto Owners$31-29%$-20
EllendaleWestfield Insurance$18-31%$-21
EllsworthWestfield Insurance$18-29%$-19
ElmoreWestfield Insurance$16-35%$-23
ElrosaWestfield Insurance$20-31%$-23
ElyWestfield Insurance$20-34%$-26
ElysianWestfield Insurance$18-31%$-21
EmbarrassWestfield Insurance$21-30%$-24
EmilyWestfield Insurance$21-30%$-23
EmmonsWestfield Insurance$18-31%$-21
ErhardAuto Owners$31-30%$-21
ErskineAuto Owners$32-29%$-21
EskoAuto Owners$31-32%$-23
EssigWestfield Insurance$17-36%$-26
EuclidWestfield Insurance$16-37%$-26
EvansvilleWestfield Insurance$19-30%$-21
EvelethWestfield Insurance$20-31%$-23
EyotaWestfield Insurance$18-30%$-20
FairfaxAuto Owners$31-26%$-18
FairmontAuto Owners$29-29%$-19
FaribaultWestfield Insurance$19-32%$-24
FarwellWestfield Insurance$17-35%$-24
Federal DamWestfield Insurance$20-32%$-25
FeltonWestfield Insurance$16-38%$-25
Fergus FallsAuto Owners$31-30%$-21
FertileAuto Owners$31-29%$-21
Fifty LakesWestfield Insurance$21-29%$-22
FinlandWestfield Insurance$20-34%$-27
FinlaysonWestfield Insurance$18-37%$-29
FisherAuto Owners$30-32%$-22
FlensburgWestfield Insurance$20-33%$-26
FlomAuto Owners$31-33%$-24
FloodwoodNorth Star Insurance$28-29%$-23
FoleyWestfield Insurance$19-35%$-28
ForbesAuto Owners$34-28%$-21
Forest LakeWestfield Insurance$18-41%$-34
ForestonWestfield Insurance$22-28%$-22
Fort RipleyWestfield Insurance$18-39%$-31
FosstonAuto Owners$32-28%$-20
FountainWestfield Insurance$16-38%$-27
FoxhomeWestfield Insurance$17-34%$-24
FranklinWestfield Insurance$19-26%$-18
FrazeeWestfield Insurance$18-33%$-23
FreebornWestfield Insurance$18-29%$-19
FreeportWestfield Insurance$19-34%$-26
FrontenacWestfield Insurance$19-29%$-21
FrostAuto Owners$30-29%$-19
FuldaWestfield Insurance$17-34%$-23
Garden CityWestfield Insurance$18-29%$-20
GarfieldWestfield Insurance$17-34%$-23
GarrisonWestfield Insurance$20-31%$-25
GarvinWestfield Insurance$19-27%$-18
GaryAuto Owners$32-29%$-21
GatzkeWestfield Insurance$19-28%$-20
GaylordWestfield Insurance$18-31%$-21
GeorgetownWestfield Insurance$16-37%$-25
GhentWestfield Insurance$17-35%$-23
GibbonAuto Owners$31-28%$-19
GilbertWestfield Insurance$20-30%$-22
GilmanWestfield Insurance$17-43%$-35
GlencoeWestfield Insurance$19-28%$-20
GlenvilleWestfield Insurance$17-34%$-23
GlenwoodAuto Owners$30-30%$-22
GlyndonAuto Owners$29-32%$-21
Golden ValleyWestfield Insurance$21-35%$-30
GonvickWestfield Insurance$19-34%$-26
GoodhueWestfield Insurance$18-33%$-24
GoodlandWestfield Insurance$19-32%$-24
GoodridgeWestfield Insurance$18-34%$-25
Good ThunderWestfield Insurance$17-34%$-23
GracevilleAuto Owners$32-27%$-19
GranadaAuto Owners$30-28%$-18
Grand MaraisWestfield Insurance$19-34%$-27
Grand MeadowWestfield Insurance$18-31%$-21
Grand PortageWestfield Insurance$19-34%$-27
Grand RapidsWestfield Insurance$18-34%$-25
GrandyWestfield Insurance$20-36%$-30
Granite FallsAuto Owners$31-27%$-19
GrasstonWestfield Insurance$21-29%$-23
GreenbushWestfield Insurance$19-30%$-21
Green IsleWestfield Insurance$19-29%$-21
GreenwaldWestfield Insurance$19-33%$-25
Grey EagleWestfield Insurance$18-38%$-30
Grove CityWestfield Insurance$19-29%$-20
GryglaWestfield Insurance$19-29%$-21
GullyAuto Owners$34-25%$-18
HackensackWestfield Insurance$20-32%$-25
HallockAuto Owners$32-28%$-20
HalmaAuto Owners$33-25%$-18
HalstadAuto Owners$31-30%$-21
HamburgAuto Owners$32-29%$-22
HamelWestfield Insurance$17-42%$-33
HamptonWestfield Insurance$18-39%$-30
HancockAuto Owners$30-30%$-21
Hanley FallsAuto Owners$31-27%$-19
HanoverWestfield Insurance$17-41%$-31
HanskaWestfield Insurance$18-30%$-20
HardwickWestfield Insurance$18-32%$-22
HarmonyWestfield Insurance$16-38%$-26
HarrisWestfield Insurance$21-33%$-27
HartlandWestfield Insurance$16-35%$-24
HawleyAuto Owners$29-33%$-23
HayfieldWestfield Insurance$16-39%$-28
HaywardWestfield Insurance$16-36%$-24
HectorWestfield Insurance$17-35%$-24
HendersonAuto Owners$31-29%$-20
HendricksAuto Owners$31-27%$-19
HendrumAuto Owners$31-31%$-22
HenningWestfield Insurance$18-33%$-24
HenrietteWestfield Insurance$21-30%$-23
HermanAuto Owners$31-28%$-20
Heron LakeWestfield Insurance$18-31%$-21
HewittWestfield Insurance$18-39%$-30
HibbingWestfield Insurance$17-38%$-28
Hill CityWestfield Insurance$20-29%$-22
HillmanWestfield Insurance$21-31%$-25
HillsWestfield Insurance$18-31%$-21
HinckleyWestfield Insurance$20-32%$-25
HinesWestfield Insurance$20-33%$-26
HitterdalAuto Owners$30-29%$-20
HoffmanWestfield Insurance$18-30%$-21
HokahWestfield Insurance$16-36%$-25
HoldingfordWestfield Insurance$17-39%$-29
HollandWestfield Insurance$19-26%$-18
HollandaleWestfield Insurance$18-31%$-21
HollowayAuto Owners$31-29%$-20
Holmes CityWestfield Insurance$17-38%$-28
HolyokeWestfield Insurance$19-34%$-26
HopkinsWestfield Insurance$28-34%$-31
HoustonWestfield Insurance$18-31%$-22
HovlandWestfield Insurance$19-34%$-26
Howard LakeWestfield Insurance$19-34%$-27
Hoyt LakesWestfield Insurance$20-29%$-22
HugoWestfield Insurance$19-39%$-32
HumboldtWestfield Insurance$18-32%$-23
HuntleyWestfield Insurance$18-33%$-23
HutchinsonWestfield Insurance$18-31%$-21
IhlenWestfield Insurance$19-27%$-19
IndependenceWestfield Insurance$19-34%$-26
International FallsWestfield Insurance$18-34%$-25
IonaWestfield Insurance$19-26%$-18
IronWestfield Insurance$18-35%$-26
IrontonWestfield Insurance$18-37%$-29
IsabellaWestfield Insurance$20-34%$-27
IsantiWestfield Insurance$20-34%$-28
IsleAuto Owners$35-28%$-22
IvanhoeAuto Owners$31-27%$-19
JacksonWestfield Insurance$17-33%$-22
JacobsonWestfield Insurance$20-30%$-23
JanesvilleWestfield Insurance$17-34%$-23
JasperWestfield Insurance$19-28%$-19
JeffersAuto Owners$31-26%$-18
JordanWestfield Insurance$18-38%$-28
KabetogamaAuto Owners$32-30%$-22
KanaranziWestfield Insurance$18-30%$-20
KandiyohiWestfield Insurance$18-33%$-23
KarlstadAuto Owners$33-27%$-19
KasotaWestfield Insurance$18-33%$-22
KassonWestfield Insurance$16-37%$-26
KeewatinWestfield Insurance$17-40%$-29
KelliherWestfield Insurance$12-57%$-44
KelloggNorth Star Insurance$26-27%$-19
KennedyWestfield Insurance$18-32%$-22
KennethWestfield Insurance$18-31%$-21
KensingtonWestfield Insurance$17-35%$-25
KentWestfield Insurance$17-34%$-23
KenyonWestfield Insurance$16-40%$-29
KerkhovenWestfield Insurance$17-35%$-24
KerrickWestfield Insurance$17-40%$-31
Kettle RiverAuto Owners$34-28%$-22
KiesterWestfield Insurance$18-31%$-20
KilkennyNorth Star Insurance$26-27%$-19
KimballWestfield Insurance$18-39%$-29
KinneyWestfield Insurance$17-41%$-31
Knife RiverWestfield Insurance$18-38%$-30
La CrescentWestfield Insurance$18-29%$-19
LafayetteWestfield Insurance$17-34%$-23
Lake BentonWestfield Insurance$17-35%$-25
Lake BronsonAuto Owners$33-26%$-19
Lake CityWestfield Insurance$18-31%$-22
Lake CrystalWestfield Insurance$17-33%$-22
Lake ElmoWestfield Insurance$18-42%$-35
LakefieldWestfield Insurance$18-29%$-20
Lake GeorgeWestfield Insurance$20-36%$-29
Lake HubertWestfield Insurance$18-43%$-36
LakelandWestfield Insurance$18-41%$-32
Lake LillianWestfield Insurance$19-30%$-21
Lake ParkAuto Owners$30-32%$-22
Lake WilsonWestfield Insurance$19-26%$-18
LambertonAuto Owners$31-26%$-18
LancasterAuto Owners$33-26%$-19
LanesboroNorth Star Insurance$26-26%$-18
LaporteWestfield Insurance$20-33%$-27
La SalleAuto Owners$30-29%$-19
LastrupWestfield Insurance$21-32%$-26
Le CenterWestfield Insurance$18-33%$-23
LengbyAuto Owners$33-27%$-20
LeonardWestfield Insurance$19-34%$-26
LeotaWestfield Insurance$18-30%$-20
Le RoyWestfield Insurance$17-34%$-23
Lester PrairieWestfield Insurance$17-35%$-25
Le SueurWestfield Insurance$18-31%$-22
LewistonWestfield Insurance$18-30%$-21
LewisvilleAuto Owners$30-28%$-19
LindstromWestfield Insurance$20-34%$-27
Lino LakesWestfield Insurance$19-40%$-33
LismoreWestfield Insurance$19-27%$-18
LitchfieldWestfield Insurance$18-31%$-22
Little FallsWestfield Insurance$19-37%$-29
LittleforkAuto Owners$32-30%$-22
Little RockWestfield Insurance$17-41%$-32
LomanWestfield Insurance$20-30%$-22
Long PrairieWestfield Insurance$17-40%$-32
LongvilleWestfield Insurance$20-33%$-26
LonsdaleWestfield Insurance$18-33%$-24
LorettoWestfield Insurance$17-40%$-31
LowryWestfield Insurance$18-33%$-23
LucanAuto Owners$31-27%$-19
LutsenWestfield Insurance$19-35%$-27
LuverneWestfield Insurance$18-30%$-21
LyleWestfield Insurance$18-32%$-21
LyndWestfield Insurance$17-35%$-23
MabelWestfield Insurance$17-34%$-23
MadeliaWestfield Insurance$18-29%$-19
MadisonAuto Owners$31-27%$-19
Madison LakeWestfield Insurance$16-36%$-24
MagnoliaWestfield Insurance$18-31%$-21
MahnomenWestfield Insurance$17-36%$-26
MahtomediWestfield Insurance$23-27%$-22
MakinenWestfield Insurance$21-31%$-25
MantorvilleWestfield Insurance$18-30%$-21
Maple LakeWestfield Insurance$19-34%$-26
MapletonAuto Owners$31-28%$-19
MarbleWestfield Insurance$17-39%$-29
MarcellNorth Star Insurance$28-28%$-21
MargieWestfield Insurance$20-30%$-22
MariettaWestfield Insurance$20-25%$-17
MarshallWestfield Insurance$17-33%$-22
MaxWestfield Insurance$21-29%$-23
MayerWestfield Insurance$19-32%$-24
MaynardWestfield Insurance$19-28%$-20
MazeppaWestfield Insurance$16-36%$-25
Mc GrathNorth Star Insurance$28-27%$-20
McGregorWestfield Insurance$21-27%$-20
McIntoshAuto Owners$31-31%$-22
MeadowlandsWestfield Insurance$18-39%$-31
MedfordWestfield Insurance$17-34%$-24
MelroseWestfield Insurance$20-31%$-23
MelrudeWestfield Insurance$21-34%$-27
MenahgaWestfield Insurance$20-33%$-26
MendotaWestfield Insurance$22-34%$-29
Mendota HeightsAuto Owners$37-31%$-27
MentorAuto Owners$32-29%$-21
MerrifieldWestfield Insurance$17-40%$-31
Middle RiverWestfield Insurance$19-29%$-20
MilacaWestfield Insurance$19-38%$-30
MilanWestfield Insurance$19-28%$-19
MillvilleWestfield Insurance$17-33%$-23
MilroyAuto Owners$31-28%$-19
MiltonaWestfield Insurance$19-31%$-22
MinneotaWestfield Insurance$17-32%$-21
Minnesota CityWestfield Insurance$18-29%$-19
Minnesota LakeWestfield Insurance$18-31%$-21
Minnetonka BeachWestfield Insurance$18-40%$-33
MizpahWestfield Insurance$20-30%$-22
MontevideoWestfield Insurance$19-27%$-19
MontgomeryAuto Owners$32-28%$-20
MonticelloWestfield Insurance$20-34%$-27
MontroseWestfield Insurance$20-31%$-24
Moose LakeAuto Owners$32-31%$-24
MoraWestfield Insurance$21-30%$-23
MorganAuto Owners$30-28%$-19
MorrisAuto Owners$30-30%$-21
MorristownWestfield Insurance$18-32%$-23
MortonWestfield Insurance$19-28%$-19
MotleyWestfield Insurance$21-30%$-24
MoundWestfield Insurance$19-35%$-27
Mountain IronAuto Owners$32-31%$-24
Mountain LakeAuto Owners$31-27%$-19
MurdockWestfield Insurance$17-35%$-24
NashuaWestfield Insurance$17-35%$-24
NashwaukWestfield Insurance$20-30%$-22
NavarreWestfield Insurance$18-40%$-33
NaytahwaushWestfield Insurance$20-28%$-21
NelsonWestfield Insurance$17-35%$-25
NerstrandWestfield Insurance$19-33%$-24
Nett LakeAuto Owners$32-34%$-27
NevisWestfield Insurance$17-42%$-33
NewfoldenWestfield Insurance$18-32%$-23
New GermanyWestfield Insurance$19-32%$-24
New HopeWestfield Insurance$24-31%$-28
New LondonWestfield Insurance$19-31%$-23
New MunichWestfield Insurance$19-34%$-25
NewportWestfield Insurance$19-41%$-34
New PragueWestfield Insurance$16-41%$-30
New RichlandAAA$31-27%$-18
New UlmWestfield Insurance$18-29%$-19
New York MillsWestfield Insurance$18-32%$-23
NicolletAuto Owners$29-30%$-21
NielsvilleWestfield Insurance$17-36%$-25
NimrodWestfield Insurance$18-37%$-29
NisswaWestfield Insurance$18-39%$-31
NorcrossAuto Owners$31-28%$-20
North BranchWestfield Insurance$20-35%$-28
North MankatoAuto Owners$28-31%$-20
NorthomeWestfield Insurance$20-32%$-24
NorthropAuto Owners$30-28%$-19
NorwoodWestfield Insurance$20-42%$-37
Norwood Young AmericaWestfield Insurance$18-33%$-24
NoyesWestfield Insurance$18-32%$-23
Oak IslandWestfield Insurance$16-41%$-29
Oak ParkWestfield Insurance$18-38%$-29
OdessaWestfield Insurance$19-27%$-19
OdinAuto Owners$30-27%$-18
OgemaAuto Owners$31-30%$-21
OgilvieWestfield Insurance$21-30%$-24
OkabenaWestfield Insurance$18-31%$-21
OkleeWestfield Insurance$19-29%$-21
OliviaWestfield Insurance$19-28%$-19
OnamiaWestfield Insurance$20-34%$-27
OrmsbyAuto Owners$30-27%$-18
OronoWestfield Insurance$19-35%$-28
OronocoWestfield Insurance$18-30%$-21
OrrWestfield Insurance$21-30%$-23
OrtonvilleWestfield Insurance$18-30%$-21
OsageWestfield Insurance$19-29%$-21
OsakisWestfield Insurance$19-31%$-22
OsloWestfield Insurance$18-32%$-23
OstranderAuto Owners$31-29%$-20
OtsegoAuto Owners$34-31%$-24
OttertailWestfield Insurance$18-33%$-23
OutingWestfield Insurance$20-32%$-25
PalisadeWestfield Insurance$20-29%$-22
Parkers PrairieWestfield Insurance$19-31%$-22
Park RapidsWestfield Insurance$21-30%$-24
PaynesvilleAuto Owners$32-31%$-24
PeaseWestfield Insurance$22-31%$-26
Pelican RapidsWestfield Insurance$16-40%$-28
PembertonWestfield Insurance$17-32%$-22
PengillyWestfield Insurance$19-34%$-26
PenningtonWestfield Insurance$20-34%$-27
PennockWestfield Insurance$17-37%$-26
PerhamWestfield Insurance$17-35%$-24
PerleyAuto Owners$30-29%$-20
PetersonWestfield Insurance$19-28%$-20
PierzWestfield Insurance$18-39%$-31
PillagerWestfield Insurance$18-41%$-33
Pine CityWestfield Insurance$21-30%$-23
Pine IslandWestfield Insurance$17-34%$-23
Pine RiverWestfield Insurance$20-34%$-27
PipestoneWestfield Insurance$18-29%$-20
PlainviewWestfield Insurance$18-31%$-22
PlatoAuto Owners$32-28%$-20
PlummerAuto Owners$31-30%$-21
PonemahWestfield Insurance$12-58%$-45
PonsfordAuto Owners$34-25%$-18
PorterWestfield Insurance$19-27%$-19
PrestonWestfield Insurance$18-30%$-21
PrincetonWestfield Insurance$20-34%$-27
PrinsburgWestfield Insurance$17-35%$-24
ProctorWestfield Insurance$18-31%$-22
PuposkyWestfield Insurance$20-33%$-26
RacineWestfield Insurance$18-30%$-21
RandallWestfield Insurance$20-31%$-25
RandolphWestfield Insurance$18-39%$-29
RanierAuto Owners$32-34%$-26
RaymondWestfield Insurance$17-36%$-25
ReadingWestfield Insurance$19-27%$-18
Reads LandingNorth Star Insurance$26-26%$-18
RedbyWestfield Insurance$12-58%$-44
Red Lake FallsAuto Owners$31-30%$-21
Red WingWestfield Insurance$18-35%$-25
Redwood FallsWestfield Insurance$18-30%$-21
RemerWestfield Insurance$20-32%$-25
RenvilleWestfield Insurance$19-26%$-18
RevereWestfield Insurance$19-26%$-18
RiceWestfield Insurance$17-41%$-32
RichmondWestfield Insurance$19-33%$-25
RichvilleAuto Owners$31-30%$-22
RichwoodWestfield Insurance$18-36%$-27
RobbinsdaleWestfield Insurance$23-33%$-30
RochertWestfield Insurance$18-32%$-23
RockfordWestfield Insurance$19-37%$-28
RogersWestfield Insurance$18-37%$-29
RollingstoneWestfield Insurance$18-29%$-20
RooseveltWestfield Insurance$18-32%$-22
RoscoeWestfield Insurance$19-32%$-24
RoseauWestfield Insurance$17-37%$-26
Rose CreekWestfield Insurance$18-31%$-21
RosemountWestfield Insurance$18-40%$-31
RothsayWestfield Insurance$17-33%$-22
Round LakeWestfield Insurance$18-29%$-20
RoyaltonWestfield Insurance$19-38%$-30
Rush CityWestfield Insurance$20-35%$-28
RushfordWestfield Insurance$19-26%$-18
RushmoreWestfield Insurance$19-27%$-18
RussellWestfield Insurance$19-28%$-19
RuthtonWestfield Insurance$19-27%$-19
SabinWestfield Insurance$15-40%$-27
Sacred HeartWestfield Insurance$19-26%$-18
SaginawWestfield Insurance$17-41%$-32
Saint PaulWestfield Insurance$42-35%$-42
SalolWestfield Insurance$18-31%$-22
SanbornAuto Owners$31-27%$-18
SandstoneWestfield Insurance$20-32%$-25
SantiagoWestfield Insurance$19-39%$-32
SargeantWestfield Insurance$18-30%$-21
SartellWestfield Insurance$18-35%$-26
Sauk CentreWestfield Insurance$17-40%$-30
Sauk RapidsAuto Owners$33-29%$-22
SawyerWestfield Insurance$18-36%$-28
ScandiaWestfield Insurance$20-35%$-29
SchroederWestfield Insurance$19-35%$-27
SeaforthWestfield Insurance$18-30%$-20
SearlesWestfield Insurance$18-34%$-24
SebekaWestfield Insurance$20-32%$-25
ShaferWestfield Insurance$21-31%$-25
ShellyAuto Owners$30-31%$-22
SherburnAuto Owners$30-28%$-19
ShevlinWestfield Insurance$19-37%$-29
ShorewoodWestfield Insurance$19-33%$-25
Side LakeWestfield Insurance$18-37%$-29
Silver BayAuto Owners$34-31%$-25
Silver CreekWestfield Insurance$18-37%$-29
Silver LakeAuto Owners$32-27%$-19
SlaytonAuto Owners$31-27%$-18
Sleepy EyeWestfield Insurance$18-29%$-19
SolwayWestfield Insurance$19-37%$-30
SoudanWestfield Insurance$19-33%$-25
South HavenWestfield Insurance$18-38%$-30
South International FallsWestfield Insurance$15-47%$-36
SpicerWestfield Insurance$18-33%$-24
SpringfieldAuto Owners$30-28%$-19
Spring GroveWestfield Insurance$18-31%$-21
Spring LakeWestfield Insurance$21-29%$-23
Spring ParkWestfield Insurance$17-41%$-32
Spring ValleyAuto Owners$32-27%$-19
Squaw LakeWestfield Insurance$21-29%$-23
StacyWestfield Insurance$19-38%$-31
StanchfieldWestfield Insurance$20-34%$-28
StaplesWestfield Insurance$20-31%$-25
StarbuckAuto Owners$30-30%$-21
St. BonifaciusWestfield Insurance$17-40%$-30
St. CharlesWestfield Insurance$18-30%$-21
St. ClairWestfield Insurance$16-36%$-25
St. CloudWestfield Insurance$19-33%$-25
SteenWestfield Insurance$19-29%$-22
StephenAuto Owners$32-29%$-21
StewartWestfield Insurance$19-28%$-20
StewartvilleAuto Owners$29-30%$-20
St. FrancisWestfield Insurance$20-36%$-29
St. HilaireWestfield Insurance$17-37%$-26
St. JamesAuto Owners$30-29%$-19
St. JosephWestfield Insurance$18-38%$-28
St. MichaelWestfield Insurance$18-40%$-31
StocktonWestfield Insurance$16-38%$-25
StordenWestfield Insurance$19-26%$-18
St. Paul ParkWestfield Insurance$19-37%$-30
St. PeterWestfield Insurance$17-32%$-22
StrandquistWestfield Insurance$20-28%$-20
StrathconaWestfield Insurance$19-29%$-21
St. StephenWestfield Insurance$17-41%$-31
Sturgeon LakeWestfield Insurance$21-30%$-23
St. VincentWestfield Insurance$18-32%$-23
SunburgWestfield Insurance$19-30%$-22
Swan RiverWestfield Insurance$19-33%$-25
SwanvilleWestfield Insurance$20-31%$-25
SwataraWestfield Insurance$20-31%$-24
SwiftWestfield Insurance$18-31%$-22
TalmoonWestfield Insurance$20-30%$-23
TamarackWestfield Insurance$21-27%$-20
TaopiAuto Owners$30-29%$-20
TauntonWestfield Insurance$17-34%$-23
Taylors FallsWestfield Insurance$20-34%$-27
TenstrikeWestfield Insurance$20-33%$-26
Thief River FallsAuto Owners$30-31%$-22
TintahAuto Owners$31-28%$-20
TofteWestfield Insurance$19-35%$-27
TowerAuto Owners$34-30%$-23
TracyWestfield Insurance$17-32%$-21
TrailAuto Owners$32-28%$-20
TrimontAuto Owners$30-27%$-18
TrumanAuto Owners$30-28%$-19
TwigWestfield Insurance$17-42%$-34
Twin LakesWestfield Insurance$18-31%$-21
Twin ValleyAuto Owners$31-28%$-20
Two HarborsAuto Owners$33-33%$-26
TylerAuto Owners$31-28%$-19
UlenAuto Owners$30-29%$-20
UnderwoodAuto Owners$31-29%$-20
UpsalaWestfield Insurance$21-30%$-24
UticaWestfield Insurance$18-30%$-21
Vadnais HeightsWestfield Insurance$23-27%$-22
VergasAuto Owners$30-32%$-22
VerndaleWestfield Insurance$20-34%$-27
Vernon CenterWestfield Insurance$18-30%$-20
VestaAuto Owners$31-26%$-18
VictoriaWestfield Insurance$20-32%$-24
VikingWestfield Insurance$16-39%$-28
VillardWestfield Insurance$18-32%$-23
ViningAuto Owners$33-27%$-20
VirginiaWestfield Insurance$17-38%$-28
WabashaWestfield Insurance$16-37%$-26
WabassoWestfield Insurance$18-29%$-20
WaconiaWestfield Insurance$19-33%$-25
WadenaAuto Owners$34-31%$-24
WahkonWestfield Insurance$22-27%$-21
Waite ParkWestfield Insurance$17-41%$-32
WaldorfAuto Owners$30-29%$-20
WalkerAuto Owners$35-29%$-23
Walnut GroveAuto Owners$31-27%$-18
WalthamWestfield Insurance$18-29%$-20
WanamingoWestfield Insurance$17-36%$-26
WandaWestfield Insurance$18-30%$-21
WannaskaWestfield Insurance$19-30%$-21
WarbaWestfield Insurance$19-32%$-24
WarrenWestfield Insurance$18-31%$-22
WarroadWestfield Insurance$16-38%$-27
WarsawWestfield Insurance$18-32%$-23
WasecaAuto Owners$30-30%$-21
WaskishWestfield Insurance$12-57%$-43
WatertownWestfield Insurance$18-34%$-25
WatervilleAuto Owners$31-29%$-20
WatkinsWestfield Insurance$18-35%$-25
WatsonWestfield Insurance$19-28%$-19
WaubunAuto Owners$33-28%$-21
WaverlyWestfield Insurance$17-40%$-31
WebsterWestfield Insurance$18-33%$-24
WelcomeWestfield Insurance$18-30%$-20
WellsWestfield Insurance$16-35%$-23
WendellAuto Owners$31-28%$-19
WestbrookWestfield Insurance$17-33%$-23
West ConcordWestfield Insurance$18-32%$-23
West St. PaulAuto Owners$39-28%$-25
West UnionWestfield Insurance$20-36%$-29
WheatonWestfield Insurance$17-37%$-26
WillernieWestfield Insurance$16-46%$-37
WilliamsWestfield Insurance$16-42%$-30
WillmarWestfield Insurance$19-29%$-21
Willow RiverWestfield Insurance$21-30%$-23
WilmontWestfield Insurance$18-30%$-20
WindomWestfield Insurance$19-27%$-18
WingerAuto Owners$32-28%$-20
WinnebagoWestfield Insurance$17-32%$-21
WinstedWestfield Insurance$18-34%$-24
WinthropWestfield Insurance$18-31%$-22
WintonAuto Owners$33-32%$-25
WirtWestfield Insurance$20-30%$-23
WolvertonWestfield Insurance$17-33%$-22
Wood LakeWestfield Insurance$18-29%$-20
WoodstockWestfield Insurance$18-29%$-20
WorthingtonWestfield Insurance$18-31%$-21
WrenshallWestfield Insurance$16-43%$-32
WrightNorth Star Insurance$28-28%$-22
WykoffWestfield Insurance$19-27%$-19
WyomingWestfield Insurance$18-42%$-34
ZimmermanWestfield Insurance$18-42%$-34
Zumbro FallsWestfield Insurance$19-29%$-20
ZumbrotaAuto Owners$32-27%$-19

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Cheapest Car Insurance in Minnesota by Driver Age Group

We analyzed car insurance rates across Minnesota for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

  • Young drivers can get the lowest rates from Westfield Insurance, starting at $40 per month
  • Adult drivers find the best deals with Westfield Insurance, with rates from $19 per month
  • Senior drivers see the most affordable coverage through Westfield Insurance, beginning at $29 per month

Cheapest Car Insurance For Young Drivers in Minnesota

Young drivers in Minnesota get the cheapest rates from Westfield Insurance at $40 per month ($479 annually), about 61% below the state average. Auto Owners and North Star Insurance follow with monthly premiums in the $57–$60 range

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Westfield Insurance$40$479-61%$-750
Auto Owners$57$683-44%$-546
North Star Insurance$60$720-41%$-509
State Farm$71$852-31%$-377
Travelers$87$1,048-15%$-181

*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.

Cheapest Car Insurance For Adult Drivers in Minnesota

For adult drivers, Westfield Insurance offers the most affordable coverage at $19 per month ($231 annually), around 57% cheaper than the state average. North Star Insurance and State Farm also keep premiums low, averaging $30–$33 monthly.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Westfield Insurance$19$231-57%$-304
North Star Insurance$30$366-32%$-169
State Farm$33$394-26%$-141
Auto Owners$34$403-25%$-131
AAA$37$444-17%$-90

Cheapest Car Insurance For Senior Drivers in Minnesota

Seniors save the most with Westfield Insurance, paying $29 monthly ($348 annually), about 54% less than the state average. North Star Insurance and State Farm also offer budget-friendly options under $40 per month.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Westfield Insurance$29$348-54%$-401
North Star Insurance$30$361-52%$-389
State Farm$39$468-38%$-281
Auto Owners$50$600-20%$-149
Western National Insurance$57$685-9%$-64

Cheapest Car Insurance For High-Risk Drivers in Minnesota

Your driving record is one of the biggest factors affecting car insurance rates in Minnesota. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Minnesota based on different driving records.

  • Cheapest for Bad Credit: Westfield Insurance (From $40/mo)
  • Cheapest With a DUI: State Farm (From $36/mo)
  • Cheapest With an Accident: Westfield Insurance (From $28/mo)
  • Cheapest With a Speeding Ticket: Westfield Insurance (From $23/mo)
  • Cheapest With a Texting While Driving Violation: Westfield Insurance (From $23/mo)

Cheapest Car Insurance For Bad Credit in Minnesota

Drivers with bad credit find the cheapest coverage from Westfield Insurance, averaging $40 per month ($475 annually), around 67% less than the state average. North Star Insurance offers similar rates, while Western National Insurance comes next at $66 per month.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
Westfield Insurance$40$475-67%$-978
North Star Insurance$40$481-67%$-973
Western National Insurance$66$797-45%$-656
Geico$82$984-32%$-470
Auto Owners$101$1,212-17%$-242

Cheapest Car Insurance With a DUI in Minnesota

State Farm provides the lowest premiums for drivers with a DUI at $36 monthly ($433 annually), about 65% under the state average. Western National Insurance is close behind at $39 per month, while Westfield Insurance averages $49.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$36$433-65%$-803
Western National Insurance$39$463-63%$-774
Westfield Insurance$49$584-53%$-653
Auto Owners$73$879-29%$-357
Travelers$74$884-29%$-353

Cheapest Car Insurance With an Accident in Minnesota

After an accident, Westfield Insurance delivers the lowest premiums at $28 monthly ($337 annually), about 59% below average. Western National Insurance and State Farm both keep rates around $39 per month, making them strong alternatives.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Westfield Insurance$28$337-59%$-478
Western National Insurance$39$463-43%$-352
State Farm$39$473-42%$-341
Auto Owners$46$548-33%$-267
North Star Insurance$51$615-25%$-200

Cheapest Car Insurance With a Speeding Ticket

Westfield Insurance offers the most affordable rates for drivers with a speeding ticket, averaging $23 per month ($274 annually). This is about 60% cheaper than the state average. North Star Insurance and State Farm also provide competitive rates under $40 per month.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Westfield Insurance$23$274-60%$-412
North Star Insurance$35$419-39%$-266
State Farm$36$433-37%$-252
Auto Owners$38$460-33%$-225
Western National Insurance$39$463-32%$-222

Cheapest Car Insurance With a Texting While Driving Violation

For drivers cited for texting while driving, Westfield Insurance leads at $23 monthly ($274 annually), nearly 59% below the state average. North Star Insurance follows at $30 per month, offering drivers sizable savings compared to typical costs.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Westfield Insurance$23$274-59%$-391
North Star Insurance$30$366-45%$-299
Auto Owners$34$403-39%$-261
State Farm$36$433-35%$-231
Western National Insurance$39$463-30%$-202

How to Get the Cheapest Car Insurance in Minnesota

Finding affordable car insurance in Minnesota requires more than just comparing basic rates between companies. Here are proven strategies to save the most on auto insurance.

  1. 1

    Compare insurers across the state

    Car insurance prices in Minnesota vary depending on where you live. Drivers in the Twin Cities usually pay more than those in rural counties. To find the lowest rate, it helps to compare at least three quotes from a mix of national carriers and regional insurers that know the local market.

  2. 2

    Meet Minnesota’s minimum coverage requirements

    Minnesota is a no-fault state, which means drivers must carry higher minimum coverage than in many other parts of the country. The law requires 30/60/10 liability limits, uninsured and underinsured motorist coverage at 25/50, and $40,000 in Personal Injury Protection. PIP is split between $20,000 for medical expenses and $20,000 for non-medical costs such as lost income or replacement services. These higher limits raise the baseline premium but also provide stronger protection than in many other states.

  3. 3

    Use Minnesota-specific discounts

    Beyond the common bundling and good student discounts, Minnesota drivers have access to some unique savings opportunities. The state allows defensive driving course discounts for drivers age 55 and older when the course is approved by the Department of Public Safety. Some insurers also lower rates for vehicles equipped with winter tires or additional safety features, reflecting the risks of icy roads. Rural drivers who put fewer miles on their vehicles may qualify for low-mileage discounts as well.

  4. 4

    Match coverage to Minnesota’s risks

    Severe winters in Minnesota bring snow and icy road conditions, which increase the likelihood of accidents. Collision coverage can be valuable even for drivers with older cars. Comprehensive coverage is equally important because it pays for damage from hail, flooding, and the frequent deer collisions reported across rural parts of the state.

  5. 5

    Improve deductibles and coverage balance

    Adjusting your deductible is another way to manage costs. Choosing a higher deductible on comprehensive or collision will reduce your monthly premium, but it’s only a good strategy if you can afford the larger out-of-pocket cost after a claim. On the other hand, raising liability limits or adding optional protections like UM/UIM can provide broader protection for a relatively modest increase in premium.

  6. 6

    Maintain your driver profile

    Insurance companies in Minnesota rely heavily on both driving history and credit scores when setting premiums. Keeping a clean record and building good credit are two of the most effective ways to secure cheaper rates year after year.

  7. 7

    Use MNAIP as a fallback

    For drivers who cannot find coverage in the voluntary market, the Minnesota Automobile Insurance Plan provides last-resort access to liability insurance. These policies cost more than standard coverage, so MNAIP should only be used if other options are unavailable.

Risks of Getting the Cheapest Car Insurance in Minnesota

Minnesota requires drivers to carry liability insurance with minimum coverage of 30/60/10, plus $40,000 in personal injury protection (PIP) and $20,000 in uninsured motorist coverage. But minimum coverage leaves you exposed to major financial risks:

    accident2 icon

    Vehicle damage if you're at fault won't be covered

    Without collision coverage, you'll pay all repair costs if you cause an accident. In Minnesota, average property damage claims hit $4,525 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.

    hurricane icon

    Weather risks make damage to your car more likely and aren't covered

    Minnesota gets hit with severe weather that damages cars regularly. Severe storms caused significant property damage in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against hail, flooding and fallen trees that frequently hit Minnesota.

    injury icon

    Bodily injury damage is more likely to be higher than the minimum limits

    Minnesota's minimum bodily injury coverage of $30,000 per person often isn't enough for serious accidents. Average bodily injury claims in Minnesota reached $21,300 in 2023. With rising medical costs, consider increasing coverage to 100/300/50 for better financial protection against lawsuits.

    uninsured icon

    Not having uninsured motorist coverage opens you up to unexpected costs

    Minnesota has an uninsured driver problem, with 11% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs beyond your PIP coverage. Legal action against uninsured drivers rarely recovers damages. Your required uninsured motorist coverage helps, but consider increasing it for better protection.

    handcuffs2 icon

    Vehicle theft damage is more likely and uncovered

    Car theft is a real problem in Minnesota, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.

Minimum Coverage Requirements in Minnesota

Minnesota law requires all drivers to carry auto insurance before operating a vehicle. The state follows a no-fault system, meaning your own policy helps cover medical expenses and other losses after an accident, regardless of fault. Drivers must have liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. These limits satisfy state law, but many choose higher coverage for added financial security.

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$30,000 per person

Bodily Injury Liability (Per Accident)

$60,000 per accident

Property Damage Liability

$10,000 per accident

Personal Injury Protection (PIP)

$40,000 per person ($20,000 medical / $20,000 non-medical expenses)

Uninsured Motorist Bodily Injury

$25,000 per person / $50,000 per accident

Cheap Car Insurance in Minnesota: Bottom Line

Westfield offers the lowest car insurance rates in Minnesota for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Cheap Car Insurance in Minnesota: FAQ

Below we answer common questions about affordable car insurance in Minnesota to help you find the right coverage.

What are the cheapest car insurance companies in Minnesota?

Who has the cheapest car insurance rates for young drivers in Minnesota?

Who offers the cheapest car insurance rates for seniors in Minnesota?

Who has the cheapest car insurance in Minnesota for bad credit?

Who has the cheapest car insurance in Minnesota with an accident?

Who has the cheapest car insurance in Minnesota with a DUI?

Who has the cheapest car insurance in Minnesota for those with a speeding ticket?

Should you buy the cheapest car insurance in Minnesota?

How We Found the Most Affordable Car Insurance in Minnesota

MoneyGeek collected auto insurance data from the Minnesota Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Minnesota.

Minnesota Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in Minnesota
We compared car insurance companies in Minnesota that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Minnesota.
The minimum coverage requirements in Minnesota are:

  • $30,000 per person for bodily injury liability
  • $60,000 per accident for bodily injury liability
  • $10,000 per accident for property damage liability
  • $40,000 per person for personal injury protection (PIP)
  • $20,000 per person for uninsured motorist bodily injury

For full coverage policy rates, we used the following liability limits:

  • $100,000 for bodily injury liability per person
  • $300,000 for bodily injury liability per accident
  • $100,000 for property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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