Car Insurance Quotes MN

By | October 12, 2025
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Car Insurance Quotes MN

Car Insurance Quotes MN

Searching for the best car insurance quotes in Minnesota? You are in the right place. Minnesota drivers often enjoy rates below the national average, with full coverage averaging around $1,011 for six months, about 7% less than the U.S. average. Yet, nearly half of Minnesotans still feel they are paying too much, which makes comparing quotes more important than ever.

If saving money is your priority, Auto-Owners leads the pack with some of the lowest liability coverage rates in the state, while Travelers offers the most affordable full coverage options. But if you value a balance between cost and quality, American Family is a top pick, known for excellent customer service and solid coverage.

Whether you are hunting for the cheapest policy, top-rated coverage, or a smart mix of both, exploring car insurance quotes in Minnesota can help you save big while getting the protection you need. With so many options on the table, a few minutes of comparison could put hundreds back in your pocket and give you peace of mind every time you hit the road.

Travelers – Cheapest Full Coverage:

  • Travelers leads Minnesota for the cheapest full coverage, averaging $111 per month.

Auto-Owners – Cheapest Liability Coverage:

  • Auto-Owners offers the lowest rates for liability insurance in Minnesota, around $38 per month.

American Family -Best Customer Service:

  • American Family earned an 837 score in J.D. Power’s 2023 auto study for Midwestern customers.
  • USAA is also highly rated for customer service for those who qualify.

Best Overall in Minnesota:

  • Based on third-party reviews from J.D. Power and AM Best, along with thousands of Minnesota customer ratings, American Family is considered the top overall choice for drivers in the state.

Cheap Full Coverage Car Insurance Quotes in MN

In 2025, the average cost of full coverage car insurance in Minnesota is around $1,011 for a six-month policy. Full coverage is popular because it offers more comprehensive protection; it covers your vehicle as well as any damage you might cause to others. In fact, 63% of Minnesota customers requesting quotes from The Zebra opt for full coverage.

While full coverage is generally more expensive than liability-only insurance, you can still find affordable options by shopping around. Companies like Travelers and American Family are known for offering competitive rates without sacrificing quality.

Full Coverage Quotes in MN:

  • American Family: $669 for six months ($111/month)
  • Travelers: $682 for six months ($114/month)
  • Auto-Owners: $724 for six months ($121/month)
  • USAA: $922 for six months ($154/month)
  • State Farm: $1,015 for six months ($169/month)
  • Allstate: $1,048 for six months ($175/month)
  • GEICO: $1,380 for six months ($230/month)

Comparing quotes from multiple insurers can help Minnesota drivers find full coverage that fits their budget while keeping their vehicle and others on the road protected.

Cheap Liability Car Insurance Quotes in MN

In Minnesota, liability insurance costs an average of $344 for a six-month policy. Liability-only coverage is popular for those looking to save money, but only about 37% of Minnesota customers choose this option. It is more affordable because it only covers damage you cause to others, not your own vehicle.

Based on user data, State Farm and GEICO often offer some of the most competitive rates. However, if you want the absolute cheapest policies, Auto-Owners and Travelers stand out.

Cheapest Liability Coverage in MN:

  • Auto-Owners: $228 for six months ($38/month)
  • USAA: $270 for six months ($45/month)
  • Travelers: $272 for six months ($45/month)
  • American Family: $322 for six months ($54/month)
  • State Farm: $344 for six months ($57/month)
  • GEICO: $391 for six months ($65/month)
  • Allstate: $423 for six months ($71/month)

Before choosing liability-only coverage, make sure it offers enough protection for your needs. Comparing quotes from multiple insurers can help Minnesota drivers find affordable coverage without sacrificing peace of mind.

Cheap Auto Insurance for Teens and Young Drivers in Minnesota

Teen drivers in Minnesota, especially those aged 16 to 19, face some of the highest car insurance rates due to their lack of driving experience. On average, young drivers pay more than three times the national average, with annual premiums around $2,690, roughly 160% higher than the typical Minnesota driver.

Shopping around can help save a significant amount. Insurers like Travelers, American Family, and Auto-Owners consistently offer some of the most affordable rates for young drivers in the state.

Cheapest Car Insurance Quotes for Young Drivers in MN:

  • Travelers: $1,521 for six months ($253/month)
  • American Family: $1,605 for six months ($268/month)
  • Auto-Owners: $1,727 for six months ($288/month)
  • USAA: $2,439 for six months ($407/month)
  • Allstate: $2,786 for six months ($464/month)
  • State Farm: $3,350 for six months ($558/month)
  • GEICO: $3,484 for six months ($581/month)

Comparing quotes from multiple companies is key for young drivers. With the right policy, teens in Minnesota can find affordable coverage while staying fully protected on the road.

Car Insurance Quotes in Popular MN Cities

Your car insurance rate in Minnesota depends on many factors, and where you live is a big one. Among the state’s largest cities, Rochester offers the most affordable car insurance, while Minneapolis tends to be the most expensive.

Average Auto Insurance Quotes in Minnesota’s Biggest Cities:

  • Rochester: $916 for six months ($153/month)
  • Duluth: $971 for six months ($162/month)
  • Bloomington: $1,036 for six months ($173/month)
  • St. Paul: $1,140 for six months ($190/month)
  • Minneapolis: $1,165 for six months ($194/month)

Understanding how rates vary by city can help Minnesota drivers find the most cost-effective coverage for their area. Comparing quotes across multiple insurers ensures you get the best deal without sacrificing the protection you need.

MN Car Insurance Quotes After an Accident or Ticket

Your driving record has a big impact on how much you pay for car insurance. Insurance companies consider previous at-fault accidents to assess the level of risk you pose as a driver. In Minnesota, a recent at-fault accident could raise your annual premiums to an average of $3,037.

Even after an accident, you can still find more affordable options by comparing insurers. Companies like Travelers, Auto-Owners, and American Family tend to offer some of the lowest rates for drivers with recent incidents.

Best Insurance Companies in MN After an Accident:

  • Travelers: $881 for six months ($147/month)
  • Auto-Owners: $893 for six months ($149/month)
  • American Family: $981 for six months ($163/month)
  • USAA: $1,279 for six months ($213/month)
  • State Farm: $1,310 for six months ($218/month)
  • Allstate: $1,674 for six months ($279/month)
  • GEICO: $2,072 for six months ($345/month)

By comparing quotes, Minnesota drivers with past accidents or tickets can still find coverage that balances affordability and protection, helping you get back on the road with confidence.

Minnesota Minimum Car Insurance Requirements

Minnesota law requires all drivers to carry a minimum amount of auto insurance to legally operate a vehicle. These minimum liability coverage amounts are designed to protect other drivers and property if you cause an accident. The state’s minimum requirements include:

  • Bodily Injury Liability: $30,000 per person / $60,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Uninsured Motorist Bodily Injury: $30,000 per person / $60,000 per accident

Liability coverage pays for damages you cause to other people or their property, but does not cover your own vehicle. For full protection, many Minnesota drivers choose to add collision and comprehensive coverage, which covers damage to your own vehicle from accidents, theft, or natural events.

How To Get Car Insurance Quotes In MN

Below is a simple step-by-step approach to getting car insurance quotes in Minnesota:

Gather Your Information:

  • Have your driver’s license, vehicle details (make, model, year, VIN), and driving history handy.

Decide on Coverage Levels:

  • Determine whether you want liability-only, full coverage, or additional options like uninsured motorist protection.

Use Online Quote Tools:

  • Many insurers, including Travelers, American Family, Auto-Owners, and State Farm, provide quick online quote tools.

Compare Multiple Quotes:

  • Look beyond just price.
  • Consider customer service, discounts, and company reputation.

Ask About Discounts:

  • Minnesota drivers may qualify for safe driver, multi-policy, good student, or low-mileage discounts.

Finalise Your Policy:

  • Once you have found a plan that fits your budget and needs, contact the insurer to purchase your coverage.

Finding the right car insurance in Minnesota doesn’t have to be complicated. Whether you’re looking for full coverage, liability-only, or affordable options for teen drivers, comparing quotes from multiple insurers is the key to getting the best rate. Companies like Travelers, American Family, and Auto-Owners consistently offer competitive pricing and reliable coverage for Minnesota drivers. Visit the WEBSITE of your preferred insurer for More.