The best cheap car insurance in Minnesota

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Car insurance is fairly affordable for Minnesota drivers. The average driver pays $840, less than the US national average, according to the Insurance Information Institute. But, that's not to say that there aren't still some ways to save if you're willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you're getting the best price for you. Your premium, or the amount you'll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Minnesota. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

The most popular car insurance companies in Minnesota 

The following are the most popular car insurance companies in Minnesota, based on the percentage of insured Minnesota drivers who use them:

CompanyMarket share (%)
State Farm22.49
Progressive19.06
American Family Insurance12.01
Farmers Insurance5.45
Allstate5.44
GEICO4.04
Auto-Owners Insurance3.45
USAA*3.37
Liberty Mutual3.12
Travelers2.93
Auto Club Insurance1.88
Nationwide1.68
North Star Mutual Insurance1.49
Western National Insurance1.37
MetLife1.22
COUNTRY Financial1.20
Farm Bureau0.93
Grinnell Mutual0.89
West Bend Mutual Insurance0.74
The Hartford0.59

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

The best car insurance in Minnesota  based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Central region (which includes Minnesota):

  1. Auto-Owners Insurance
  2. GEICO
  3. Shelter Insurance
  4. Progressive
  5. State Farm
  6. Region Average
  7. Liberty Mutual 
  8. Allstate
  9. Farmers Bureau Mutual
  10. Travelers
  11. Farmers Insurance
  12. Auto Club of Southern California Insurance
  13. Nationwide
  14. American Family
  15. Safeco

The best cheap car insurance in Minnesota based on credit score

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

Drivers with excellent credit, FICO score 800-850, will see some of the best average rates on car insurance.

  • American Family car insurance: $797 per year
  • Illinois Farmers car insurance: $810 per year
  • USAA car insurance: $832 per year

Drivers with good credit, FICO score 670-739, will see the best coverage from these three companies, on average:

  • USAA car insurance: $942 per year
  • American Family car insurance: $968 per year
  • Illinois Farmers car insurance: $1,033 per year

Those with poor credit, FICO score 300-579, will pay more for their car insurance, on average.

  • American Family car insurance: $1,890 per year
  • State Farm car insurance: $1,970 per year
  • USAA car insurance: $2,238 per year

The best car insurance for drivers with a clean record

For a driver in Minnesota age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Travelers$115
State Farm$115
GEICO$117
USAA*$124
Liberty Mutual$128
Progressive$129
Farmers$152
Allstate$153
American Family$173
Esurance$186

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,431 policyholders in the state of Minnesota 

Best car insurance for one or more accidents on record

For a driver in Minnesota age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Farmers$108
GEICO$132
Bristol West$148
Progressive$160
Allstate$169
State Farm$175
Esurance$228

Above data obtained from Savvy, based on 1,431 policyholders in the state of Minnesota 

Minnesota car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Minnesota's most populous cities:

CityAverage annual insurance premium
Minneapolis$1,227
St. Paul$1,218
Rochester$1,302
Bloomington$1,300
Duluth$1,173
Brooklyn Park$1,320
Plymouth$1,409
Maple Grove$1,457
Woodbury$1,477
St. Cloud$1,175
Eden Prairie$1,449
Eagan$1,389
Blaine$1,390
Lakeville$1,487
Coon Rapids$1,297
Burnsville$1,296
Minnetonka$1,372
Apple Valley$1,382
Edina$1,398
St. Louis Park$1,294
Mankato$1,170
Shakopee$1,398
Maplewood$1,299
Moorhead$1,233
Richfield$1,240
Cottage Grove$1,448
Roseville$1,267
Inver Grove Heights$1,324
Andover$1,490
Brooklyn Center$1,216
Savage$1,469
Oakdale$1,315
Fridley$1,245
Shoreview$1,393
Ramsey$1,440
Chaska$1,380
Winona$1,172
Prior Lake$1,433
Chanhassen$1,488
White Bear Lake$1,301

Data from S&P Global Market Intelligence

Who gets the best cheap car insurance in Minnesota?

As the data above shows, your credit score is one of the bigger influences on the price you'll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it's critical to shop around. 

If you want to get the best rate for you, you'll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Minnesota is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

Ronda Lee is an associate editor for insurance at Personal Finance Insider covering life, auto, homeowners, and renters insurance for consumers. She is also a licensed attorney who practiced litigation and insurance defense.

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