Cheapest Car Insurance in Minnesota (2026)

Summary

• State Farm is Minnesota's cheapest carrier in the quote data, at $51/month for minimum coverage and $90 for full coverage, according to Insurify rate data current as of October 21, 2026. Auto-Owners ($59/$104), USAA ($62/$109, military families only) and Progressive ($63/$105) follow. Other published analyses name smaller carriers; the side-by-side is below.
• Minnesota averages $93/month for minimum coverage and $182 for full coverage, a little under the national averages of about $99 and $187, and $138 across all coverage levels against $143 nationally.
• The rate shock came and went. After a $1.8 billion hail year in 2023, Minnesota's full-coverage average rose about two-thirds during 2024, the steepest single-year climb in the 40-state series, to a peak of $2,653 a year in November 2024. It has fallen 17.5% since, to $2,188 in September 2026, down 1.5% this year.
• The minimum package is one of the heaviest in the country: 30/60/10 liability, $40,000 of personal injury protection and 25/50 uninsured and underinsured motorist coverage, all mandatory. The quoted "minimum" rates above include all of it.
• Minneapolis averages $159 a month across coverage levels, about 50% more than Duluth ($105); Rochester sits at $113.
• About 11.3% of Minnesota drivers were uninsured in 2023, below the national 15.4%. See where your own quote lands before your next renewal.

Cheapest Car Insurance Companies in Minnesota

State Farm leads every lane in the quote data: minimum coverage, full coverage, clean records, tickets, accidents, DWIs, teens, seniors and bad credit. The gap behind it is small at the top (Auto-Owners, Progressive and USAA are within $19 a month on full coverage) and wide at the bottom, where the nonstandard carriers price full coverage at three to four times State Farm's figure.

Source: Minnesota rate data current as of October 21, 2026 (page updated October 29). Minimum coverage in Minnesota includes the required liability, personal injury protection and uninsured/underinsured motorist coverage; full-coverage figures reflect 50/100/50 liability limits with $1,000 collision and comprehensive deductibles. *USAA is available only to military members, veterans and their families. Actual quotes vary by driver profile.

What the other data says

The quote data above reflects real quotes drivers received. Two other analyses price a sample driver against insurers' filed rates, and both put regional carriers in front:

The disagreement is the useful part. North Star Mutual, a Minnesota-based mutual, and Westfield don't appear in the quote table at all; Travelers, cheapest for full coverage in ValuePenguin's data, is 13th of 18 for minimum coverage in the quote data. State Farm, Auto-Owners and Progressive sit near the top of every list that includes them. The practical answer: quote those three first, then a regional carrier through an agent, and add USAA if anyone in your household served. Our cheapest-companies page has the national standings.

How Much Is Car Insurance in Minnesota?

Minnesota prices just under the national average, which is remarkable given what its minimum policy contains. The reason is the last three years. Minnesota's full-coverage average sat near $1,400 a year through 2022 and $1,545 in December 2023. Then hail: storms in August 2023 caused about $1.8 billion in damage, and the average climbed to $2,576 by December 2024, a 67% rise in one year, the steepest in the 40-state series, peaking at $2,653 that November. The unwinding has been almost as steady: down about 14% during 2025 to $2,221 in December, and down another 1.5% so far in 2026 to $2,188 in September. Insurify's state page describes the same arc with slightly different levels (a 2024 high of $2,462 and a 2025 average of $2,088) and projects another 1.3% decline in 2026; we report the monthly series. Over five years the state is up 67%, the fourth-largest increase in the series behind Virginia, Connecticut and Maryland, and the one of the four that has given back the most. Our October rate report tracks Minnesota against the other 39 states each month.

The weather that drove the spike hasn't gone anywhere: the state sees more than 150 hailstorms a year, more than 1,200 deer collisions, tornado outbreaks and the winters everyone expects, which is why full coverage is worth pricing even for a car you own outright. About a quarter of Minnesota drivers lease or finance and have no choice.

Insurance is also the smaller of Minnesota's two car bills: our cost of driving by state puts full coverage at $182 a month against about $208 for gas.

Rates by city

Source: Minnesota city rate data (overall average, all coverage levels), current as of October 2026.

Minneapolis drivers average $119 a month for minimum coverage and $199 for full coverage, about 50% more than Duluth ($77 and $132), with denser traffic, higher theft and the same storms. State Farm is cheapest in both cities, at $60 for minimum coverage in Minneapolis and $40 in Duluth. If you're in the Twin Cities, compare quotes for your ZIP code rather than the state average.

Minnesota Car Insurance Requirements

Every line is mandatory, which makes Minnesota's minimum policy heavier than many states' full coverage and explains why its "cheapest" rates aren't the lowest in the country even though its averages run below the national figure.

Minnesota is a no-fault state. After a crash, your own personal injury protection pays your medical bills, lost wages and replacement services regardless of who caused it, up to the $20,000 and $20,000 limits. You can step outside the system and sue the at-fault driver only if your medical expenses pass $4,000, or the injury means 60 days of disability, permanent injury or permanent disfigurement. Fault still decides who pays for the cars, and an at-fault crash still raises your rate; Minnesota's comparative-fault rule bars recovery from the other driver if you were more at fault than they were.

The property damage minimum is the weak spot. At $10,000 it's among the lowest in the country, and damage from one severe accident can run to twice that. Higher property damage limits are cheap relative to the exposure; our state minimum coverage guide covers the gap.

Uninsured and underinsured coverage comes standard. Both are mandatory at 25/50, so the question in Minnesota isn't whether to carry them but whether to raise them to match your liability limits. About 11.3% of Minnesota drivers were uninsured in 2023, per the Insurance Research Council, against 15.4% nationally. Our uninsured motorist explainer covers how the two coverages pay.

Driving without insurance is a misdemeanor. The court must impose a fine of at least $200, up to $1,000, and the Department of Public Safety revokes the vehicle's registration and suspends the driver's license; a second offense within ten years is a gross misdemeanor. Reinstating a suspended license typically requires an SR-22 filing. Our SR-22 explainer covers the form, and our coverage-lapse guide covers what a gap does to your next quote.

High-Risk Drivers in Minnesota

The quote data shows a gentler penalty structure than most states. State Farm stays cheapest at every step: $64 a month for minimum coverage after a speeding ticket, $67 after an at-fault accident, and $70 after a DWI, against $51 with a clean record, so even a DWI adds about 37% at the cheapest carrier. Auto-Owners, Progressive and USAA stay within $15 of State Farm in each case. Minnesota's own numbers put 4.5% of drivers with a speeding ticket, 4.1% with an at-fault accident and 1.2% with a DWI. Our high-risk costs by state post sets Minnesota's surcharges beside the other states, our DUI and bad-record guide covers how long a conviction follows you, and our post-accident rate guide covers what moves after a claim.

Credit counts in Minnesota, though the state's average score of 730 is among the highest in the country; State Farm is cheapest for drivers with bad credit at $75 a month for minimum coverage. Our credit-score guide has the playbook.

Teens pay about double: State Farm is cheapest for teen drivers at $102 a month for minimum coverage, with USAA ($117) and Auto-Owners ($122) next. Seniors pay the least, from $40 a month at State Farm; about 18% of Minnesotans are over 65, and the state recorded 11,543 crashes involving senior drivers in 2023.

Best Cheap Car Insurance Companies in Minnesota

• State Farm — best for most drivers. Cheapest in every lane of the quote data, with above-average J.D. Power satisfaction (647), roadside assistance and rental reimbursement, and an A.M. Best A++ rating. Insurify Quality Score 9.3/10. Trade-offs: no accident forgiveness, and gap coverage only for State Farm Bank customers.
• Progressive — best for safe drivers. Fourth-cheapest for minimum coverage ($63) and third for full coverage ($105), with three levels of accident forgiveness and the Snapshot program, which Progressive says saves good drivers an average of $322 a year. IQ Score 8.7/10, A.M. Best A+. Trade-offs: Snapshot can raise your rate if it records poor habits, and J.D. Power scores it below average (638). Our telematics comparison covers how Snapshot and Drive Safe & Save differ.
• USAA — best for military families. Minnesota has about 381,000 veterans and Camp Ripley's winter training brings active-duty and Guard members through the state. USAA prices third for minimum coverage ($62) and fourth for full ($109) with the highest customer-service marks in the state (J.D. Power 759). IQ Score 9.1/10. Trade-offs: membership is limited to military members, veterans and eligible family, and there are no local agents in Minnesota. Our USAA eligibility post covers who qualifies.
• Auto-Owners and North Star Mutual — the agent calls. Auto-Owners is second in the quote data ($59/$104) and first in MoneyGeek's; North Star Mutual leads ValuePenguin's minimum-coverage data at $50. Both are worth a call to an agent. Our Auto-Owners vs. State Farm comparison covers the two discount menus.

How to Save on Car Insurance in Minnesota

1. Quote State Farm, Auto-Owners and Progressive first, then one regional carrier through an agent. The three lead or sit near the top of every data set; the fourth call is where the surprises are.
2. Price full coverage before you decide against it. The hail that drove 2024's rates comes back every summer, and the step from $51 to $90 a month at the cheapest carrier is smaller than one dent.
3. Raise the property damage limit. $10,000 doesn't cover one modern car; the increase is a few dollars a month.
4. Match your UM/UIM to your liability limits. You have to carry both anyway; the top-up is cheap and it's the coverage that pays when an uninsured driver hits you.
5. Re-shop at renewal while rates are falling. Minnesota's average is down 17.5% from its peak; a carrier that hasn't passed that through yet is a reason to switch. Our discounts guide covers the standard list.
6. Compare before renewal, not after. Price your own profile against the tables above.

Rate data from Insurify's Minnesota car insurance analysis (page updated October 29, 2026; carrier and city tables current as of October 21, 2026), based on real-time quotes from 500+ partner insurers and Quadrant Information Services estimates for drivers ages 20–70 with clean records and average or better credit unless noted; the speeding-ticket, accident, DWI, teen, senior and bad-credit figures, the share-of-drivers figures, the hail and deer figures, the 2023 crash counts, the credit-score average, the veteran count and the carrier ratings from the same page. Where the page's text and its monthly series disagree, this page reports the series: the text puts the 2024 high at $2,462, the 2025 average at $2,088 and projects −1.3% for 2026; the series shows $2,653 in November 2024, $2,221 in December 2025 and $2,188 in September 2026 (Insurify Data Center, download of October 19, 2026). Comparison figures from ValuePenguin's Minnesota analysis (updated October 2026) and MoneyGeek's (August 2026), as published. Minimum coverage, the no-fault threshold and the penalties per Minnesota Statutes chapter 65B and § 169.797 as summarized by the Minnesota Legislature's Revisor of Statutes and by Bankrate and MoneyGeek. Uninsured share from the Insurance Research Council's 2023 data via the Insurance Information Institute. Gas figure from our cost of driving by state page. Actual quotes vary by driver profile.