Cheap Auto Insurance in Minnesota 2025 (Save Big With These 10 Companies)

Minnesota Statistics Summary

If you’re driving to Voyageurs National Park or exploring The North Star State, you’ll need cheap auto insurance in Minnesota for peace of mind. With over 850 domestic and foreign insurance companies in the state, finding the right one can be overwhelming. Our guide simplifies the process, helping you choose the best coverage for your needs.

By comparing insurance providers, you can find the most affordable car insurance in Minnesota that fits both your budget and insurance needs.

Enter your zip code in our free comparison tool to instantly get tailored quotes for cheap auto insurance in Minnesota and start saving today!

Below are our top 10 picks for cheap auto insurance in Minnesota, offering affordable rates and reliable coverage options to fit various needs and budgets. Comparing policies from these companies can help you find the best discounts, ensuring you save money while maintaining the protection you deserve on the road.

Our Top 10 Company Picks: Cheap Auto Insurance in Minnesota

#1 – State Farm: Top Overall Pick

Pros

• Outstanding Customer Attention: State Farm is renowned for its robust local agent network and individualized attention.
• Competitive Rates: Provides some of the lowest prices in the sector.
• Strong Financial Strength: Strong financial standing guarantees dependable and timely claims handling.
• Safe Driver Discounts: Provides substantial savings on safe driving through initiatives like Drive Safe & Save.

Cons

• Restricted Discounts: State Farm offers fewer discounts than its rivals.
• Average Digital Tools: Both the website and mobile apps could improve.
• High Rates for High-Risk Drivers: Individuals with a bad driving record may see a considerable increase in premiums.

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#2 – Auto-Owners: Best for Affordable Coverage

Pros

• Affordable: Auto-Owners offers competitive rates, making it an affordable choice for many drivers.
• Discounts: Various discounts are available, including multi-policy and safe driver discounts.
• Customer Service: Known for strong customer service, personalized support, and fast claim processing.
• Financial Stability: Auto owners have a strong financial rating, ensuring reliable claims payment.

Cons

• Limited Availability: Not available in every state, restricting access to certain drivers.
• No Online Quotes: Requires contacting an agent for a quote, making the process slower.
• Few Digital Tools: Lacks advanced mobile or online tools compared to other major insurers.

#3 – Nationwide: Best for Accident Forgiveness

Pros 

• Variety of Coverage: Provides various coverage choices, such as vanishing deductibles and accident forgiveness.
• On Your Side Review: Offers yearly policy evaluations to ensure clients receive competitive prices.
• Fantastic Bundling Discounts: Provides significant discounts when combining many plans, such as auto and home insurance.
• Robust Financial Foundation: Nationwide’s solid financial base guarantees dependable claims payments.

Cons

• Average Rates: Nationwide offers reasonable rates, although they are not the cheapest.
• Availability: Some states do not offer it.
• Claims Processing: A few clients have complained about claims processing being slower than anticipated.

#4 – Geico: Employee Discounts

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Pros

• Low Rates: Geico is renowned for providing some of the market’s lowest rates.
• Strong web Presence: Provides an easy-to-use web platform and mobile app for managing policies.
• Discounts: Geico offers a variety of discounts, such as multi-policy and military discounts.
• Reliable Claims Process: Its claims procedure typically garners favorable comments.

Cons

• Restricted Agent Network: Mainly depends on internet resources, which might not provide individualized agent assistance.
• Higher Rates for High-Risk Drivers: Drivers with a history of accidents or bad credit may pay higher premiums.
• Poor Customer Service: A few clients have had conflicting experiences with customer service

#5 – American Family: Best For Loyalty Savings

Pros

• Personalized Service: Well-known for providing excellent customer service via a network of local agents.
• Flexible Coverage: Provides a selection of insurance tailored to meet specific requirements.
• Safe Driving Program: offers possible savings to encourage safe driving practices.
• Bundling Discounts: Provides savings when combining several plans, such as auto and home insurance.

Cons

• Restricted Availability: Accessibility is limited because it is unavailable in all states.
• Higher Premiums for Riskier Drivers: Drivers with bad credit or those who pose a greater risk may pay higher premiums.
• Average Claims Process: A few clients have complained about delays in processing their claims or problems.

#6 – Travelers: Best for Unique Coverage

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Pros

• Competitive prices: Provides reasonable prices, particularly for drivers with spotless records.
• Numerous Coverage Choices: Travelers offer a range of coverage choices, such as collision and comprehensive coverage.
• Homeowner Discounts: Bundling is appealing, allowing clients to select their own flexible payment plans.
• Flexible Payment Options: Gives clients the option to select flexible payment plans.

Cons

• Claims Satisfaction Below Average: A few clients express frustration with the claims procedure.
• Limited Support for Local Agents: Mostly digital tools that might not be as personable.
• Higher Premiums for High-Risk Drivers: Travelers’ premiums may increase significantly for high-risk drivers.

#7 – Progressive: Best for Coverage Options

Pros

• Reasonably priced rates: Progressive is renowned for providing affordable rates, particularly for high-risk drivers.
• Snapshot Program: This usage-based program offers possible discounts as a reward for safe driving practices.
• Discounts for several policies: Progressive provides substantial savings when combining vehicle, renters, and home insurance.
• Robust Digital Tools: A user-friendly smartphone app and web platform for managing policies and submitting claims.

Cons

• Claims Satisfaction: A few clients express discontent with the claims procedure.
• High Rates for Some Drivers: Low-risk drivers are not eligible for the best rates.
• Limited Agent Support: Mostly dependent on digital technologies, which might not provide one-on-one agent assistance.

#8 – Farmers: Best for Comprehensive Coverage

Pros

• Outstanding Customer Service: Farmers offers outstanding customer service, including individualized local agent support and round-the-clock claims assistance.
• Numerous coverage options:  are available, including special add-ons like rideshare and new car replacement insurance.
• Accident Forgiveness: Farmers offers programs to stop premium increases following your first accident.
• Bundling Discounts: Combining house and vehicle insurance can result in significant discounts.

Cons

• Greater Premiums: Farmers pay greater premiums than some of their rivals.
• Limited Discounts: Compared to other providers, there are fewer opportunities for discounts.
• State Availability: Not all states offer it.

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#9 – Allstate: Best for Detailed Coverage

Pros

• Large Discounts: Allstate provides a number of discounts, such as safe driver and excellent student discounts.
• Local Agents: Tailored support is offered by a vast network of agents.
• Claim Satisfaction Guarantee: Customers unhappy with the claims process can receive a refund.
• Accident Forgiveness: Drivers are shielded from rate hikes following an accident.

Cons

• Higher Rates: Compared to other businesses, premiums are typically more costly.
• Average Customer Satisfaction: A few clients have expressed conflicting feelings on the handling of their claims.
• Limited Digital Tools: Management on mobile and online platforms might be easier.

#10 – Liberty Mutual:  Customizable Policies

Pros

• Large Discounts: Allstate provides a number of discounts, such as safe driver and excellent student discounts.
• Local Agents: Tailored support is offered by a vast network of agents.
• Claim Satisfaction Guarantee: Customers unhappy with the claims process can receive a refund.
• Accident Forgiveness: Drivers are shielded from rate hikes following an accident.

Cons

• Higher Rates: Compared to other businesses, premiums are typically more costly.
• Average Customer Satisfaction: A few clients have expressed conflicting feelings about handling their claims.
• Limited Digital Tools: Management on mobile and online platforms might be easier.

Rates and Coverage for cheap auto insurance in Minnesota

Minnesota Auto Insurance Monthly Rates by Provider & Coverage Level

The best auto insurance policy is the one tailored to your needs. But how to figure out if the coverage is relevant to your needs? Answer: You should know the insurance fundamentals.

Don’t worry—we cover the fundamentals in an easy-to-understand manner.

The guide will help you understand cheap auto insurance in Minnesota, required minimum insurance requirements, add-on coverage options, rates, and much more. After all, no one should be paying for a product they don’t know why they need in the first place! You can also find the best auto insurance rates in Minnesota to ensure you’re getting the most value for your coverage.

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What is Minnesota’s car culture?

The perception that the rest of the nation has is that Minnesotans drive with their famous ‘Minnesota nice’ attitude. You rarely get honked or see drivers swerving around you at an intersection.

However, you sometimes see excessive freeway speeds and dangerous driving during the brutal winter weather. Consequently, you may see a lot of accidents, spinouts, and rollovers during winter weather. Pick-up trucks, primarily the Ford F-150, are liked in the North Star state.

Minnesotans prefer to drive for everything. In Minneapolis, around 90 percent of trips are done using a car.

The city is preparing a 2040 Comprehensive Plan to reduce residents’ driving for errands such as grocery shopping by bringing shops closer to homes. But until that happens, residents will have to drive, so adequate cheap auto insurance in Minnesota is vital.

Minimum coverage of cheap auto insurance in Minnesota

The next obvious question you may have is: ‘But what is adequate coverage?’ Well, it depends on how much you are driving, your track record, where you stay, and much more. But, what is not negotiable is the minimum auto liability insurance that you must purchase.

The state requires you to carry proof of coverage and a law was enacted in 2016 that mandates that residents must prove insurance coverage when registering a vehicle in the state. The State of Minnesota mandates that you must have the following minimum coverage for cheap auto insurance in Minnesota:

Liability coverage

• $30,000 for injury or death of one person/ $60,000 for injury per accident
• $10,000 for property damage

Personal Injury Protection (PIP)

• $40,000 per person per accident ($20,000 for hospital and medical expenses and $20,000 for non-medical costs such as lost wages)

Underinsured and Uninsured coverage

• $25,000 for injury per person for underinsured and uninsured
• $50,000 for injury per accident for underinsured and uninsured

Minnesota is one of the only five states in the country that requires residents to purchase liability coverage, personal liability protection, and uninsured/underinsured coverage. However, this is the minimum amount that is required by the state. In case of an accident, the cost can be much higher, so it’s essential to explore cheap auto insurance in Minnesota for better coverage options.

It is always prudent to carry higher coverage than the state-mandated minimum. But what is the use of these coverages? Let us discuss each to understand why it is required.

What’s liability insurance?

Liability insurance pays for injuries and damages to the third party in case of an accident where you are at fault. If you rear-ended a car and are held at fault, your insurer may cover the damage to the third party up to your coverage limit.

If the damage exceeds your coverage limit, you may need to compensate the third party out of pocket. That is why you must have adequate coverage, such as cheap auto insurance in Minnesota, to protect yourself against financial implications.

Watch this video from Allstate to learn more about liability insurance:

https://www.youtube.com/watch?v=04SZGS6DdVM

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What’s personal injury protection (PIP)?

While liability covers the third party, PIP is designed to protect you and your co-passengers in case of an accident. Since Minnesota is a no-fault state, you are required to purchase PIP coverage.

In case of an accident, PIP will cover your or another covered person’s medical bills, lost wages, child care, and funeral expenses. The PIP system is expected to help you get back on your feet after an accident by paying medical bills and other expenses without assessing who was at fault.

It also reduces the burden on courts for small damages. However, if you want to step out of the no-fault system to sue a third party for damages, you must meet the following conditions:

•  incurred more than $4,000 in medical expenses
• suffered more than 60 days of disability, or permanent injury

Remember: The compensation against your claim will be only the additional amount not already covered by your PIP.

Take a look at this Geico video to understand more about PIP:

What’s underinsured and uninsured coverage?

As the name suggests, uninsured/underinsured coverage is meant to pay for damages if an uninsured/underinsured driver hits you. With a considerable number of uninsured drivers, having cheap auto insurance in Minnesota is vital to ensure you are adequately covered against potential losses.

What are the required forms of financial responsibility in Minnesota?

In Minnesota, it is mandatory to purchase state-mandated liability coverage. If you caused an accident and did not have an insurance policy, you must file an SR-22 financial responsibility form.

You will also require an SR-22 form for a suspended license or previously reported coverage lapses. You are expected to show proof of insurance when requested by a law enforcement officer. If you fail to show the evidence, you must appear in court and prove you were covered.

Driving without insurance is considered a misdemeanor offense that carries a fine up to $1,000 and 90 days of jail time.

Don’t make the mistake of driving without cheap auto insurance in Minnesota!

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What percentage of income are insurance premiums in Minnesota?

How to get a discount? One fundamental way is to know what your state pays on average. Knowing about the average premium paid by other Minnesotans might help you analyze the quote you may receive from an insurer.

The table below highlights discounts offered by top providers in Minnesota, including safe driver, multi-policy, and good student discounts, to help secure cheap auto insurance in Minnesota.

Auto Insurance Discounts From the Top Providers in Minnesota

Minnesota’s average annual disposable income is $42,500, while the average premium for full coverage is $856.

https://docs.google.com/spreadsheets/d/1DA7O8uoueN3xKFu40Kn6_GZSVadpPdGgoVFUHXzF_K4/edit#gid=1272428312

On average, Minnesotans spend around $130 less than the national average. Which means more savings and more disposable income! However, the average numbers may not apply in your case.

What is the core auto insurance coverage in Minnesota?

According to the National Association of Insurance Commissioners (NAIC), Minnesota’s average full-coverage auto insurance was $826.04, compared to the national median of $954.99. In addition to liability insurance, full-coverage auto insurance includes collision and comprehensive coverage.

Although cheap auto insurance in Minnesota is lower than the national average, it doesn’t hurt to seek additional discounts! You can try the following to save on premiums:

• Optimize the Deductible: A higher deductible will reduce the premium
• Multiple Vehicles: Have multiple vehicles on the same policy
• Certified Driving Course: Complete a DMV-certified driving course for premium discounts
• Safety Equipment: Safety equipment such as ABS and anti-theft alarms can save on a discount
• Reduce your mileage: Some insurers may provide a premium discount for low annual mileage

Can you get additional liability coverage for cheap auto insurance in Minnesota?

Additional Liability Coverage in Minnesota

Minnesota is one of the five states that require you to buy PIP and uninsured/underinsured coverage. With more than 11.5 percent of drivers in the state either uninsured or carrying less than the required insurance, it is vital to have cheap auto insurance in Minnesota to ensure adequate coverage in case of an accident.

Uninsured/underinsured coverage helps if an uninsured driver hits you and they cannot pay for damages.

https://www.youtube.com/watch?v=LH-6wizPE-g

Question: How do I know if my provider would cover me?
Answer: Look at the loss ratio.

Okay, so what is the loss ratio?

Loss ratio is the ratio between the total payout made by the company against the total premiums earned.

A higher-than-average loss ratio would mean the company is sustaining losses and paying more than it earned. It would also indicate that premiums might increase in the near future.

https://www.youtube.com/watch?v=ig7OlwmZamo

A less-than-average loss ratio may indicate that a company is not paying claims regularly. This may indicate that you may experience difficulty processing your claim.

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Are there any add-ons, endorsements, and riders?

In addition to options like collision and comprehensive insurance, there are other add-on coverages to consider in creating your insurance policy, such as:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Rental Reimbursement
• Modified Auto Insurance Coverage
• Classic Auto Insurance
• Non-Owner Auto Insurance
• Pay-As-You-Drive or Usage-Based Insurance

What are the premium rates by demographics in Minnesota?

Insurers generally charge a higher premium for teen drivers due to the higher risk involved with a new driver. Some insurers also charge varying rates based on gender. However, with age, insurance premiums tend to reduce to a market average.

The table clearly shows why comparison buying is important if you want to save on premiums. As a teen male driver, you can save $24,000 in average annual premiums if you move from Liberty Mutual to State Farm.

https://docs.google.com/spreadsheets/d/1tY7HfKX9SbRuTf2OsV_o_yIRVU3RWZxMDQdi9aCOXEo/edit#gid=957491634

Cheap auto insurance in Minnesota rates by ZIP code

Depending on where you live, you can find an insurer that provides cheap auto insurance in Minnesota rates.

https://docs.google.com/spreadsheets/d/1PyUQhZ5z1BNI-MkgSmD7as7CcmYjEQ3ne9kc24fyWxU/edit#gid=105355400

In this Reddit post, a user shares their experience finding cheap auto insurance in Minnesota, emphasizing the availability of affordable options from various providers. While Minnesota’s rates are slightly higher than surrounding states, factors like weather and population density contribute to this difference in premiums.

E.g. across many ZIP codes, State Farm provides the cheapest premium rates. You should get a quote from State Farm.

https://docs.google.com/spreadsheets/d/1PyUQhZ5z1BNI-MkgSmD7as7CcmYjEQ3ne9kc24fyWxU/edit#gid=105355400

Since ZIP codes don’t represent a whole city, we’ll next look at rates by city.

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 Cheap auto insurance in Minnesota rates by city

The tables below show the cheapest and most expensive auto insurance rates by city.

https://docs.google.com/spreadsheets/d/1PyUQhZ5z1BNI-MkgSmD7as7CcmYjEQ3ne9kc24fyWxU/edit#gid=105355400

Albert Lea has the cheapest rates in all of Minnesota.

https://docs.google.com/spreadsheets/d/1PyUQhZ5z1BNI-MkgSmD7as7CcmYjEQ3ne9kc24fyWxU/edit#gid=105355400

Discover Affordable Insurance Options Across Minnesota

Explore the most cost-effective insurance policies tailored for Bloomington, Duluth, Rochester, and Saint Paul, MN residents. Our comprehensive guide helps you navigate various options to find cheap auto insurance in Minnesota that suits your needs and budget.

What are the best companies for cheap auto insurance in Minnesota?

If you have used our FREE tool to get a quote, you might wonder, ‘ How do I analyze a quote and choose my insurer?‘ The first thing to note is that you should not necessarily go with the cheapest provider.

You should analyze an insurer based on its financial strength, credit rating, customer reviews, etc. This guide will help you choose an insurer based on relevant metrics that provide cheap auto insurance in Minnesota with the best coverage. It also highlights the best insurance companies in Minnesota to ensure you get the most reliable and affordable options.

What are the financial ratings of auto insurance companies in Minnesota?

Financial strength is a crucial factor to consider when choosing an insurer. We rely on data from A.M. Best, one of the most reputable credit rating agencies in the insurance industry, to help evaluate an insurer’s financial stability. A strong credit rating indicates that the company is financially sound and capable of fulfilling future claim obligations.

Let’s examine the credit ratings of the top ten providers of cheap auto insurance in Minnesota. Together, these companies hold about 80 percent of the state’s market share.

https://docs.google.com/spreadsheets/d/1SqJfO7GY9FHYCuLSU7qrc9FhE7OMctl2T5mL4RDEI-k/edit#gid=648110005

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What are the customer satisfaction ratings of auto insurance companies in Minnesota?

Another key factor to consider is what current customers say about an insurance company. Customer reviews offer valuable insights into the quality of service provided by insurers, including how quickly they respond after a claim is filed and the efficiency of the claims settlement process.

Since manually reviewing all customer feedback can be overwhelming, we’ll rely on J.D. Power Customer Satisfaction Ratings, one of the most trusted sources for automotive information. These ratings help us assess which providers offer cheap auto insurance in Minnesota while delivering excellent customer service.

According to J.D. Power, Auto-Owners Insurance is the highest-rated insurer in the North-Central Region.

What are the Minnesota auto insurance companies with the most customer complaints?

Another crucial aspect of evaluating an insurer is reviewing the complaints filed against the company. The complaints ratio is a key metric that gives you a clear idea of the quality of service provided by the insurer.

If a company’s complaints ratio is worse than the industry average, it may be a sign to reconsider. However, the top insurers in Minnesota typically deliver quality service and coverage. The table below highlights the complaints data for the leading providers of cheap auto insurance in Minnesota, helping you make an informed choice.

https://docs.google.com/spreadsheets/d/1xylEKatEugCF5uyHVaGQzpvMv3IOFEuoLX1nVGWsSFc/edit#gid=0

You can file an online complaint with the Minnesota Department of Commerce.

Cheap auto insurance in Minnesota

https://docs.google.com/spreadsheets/d/1tY7HfKX9SbRuTf2OsV_o_yIRVU3RWZxMDQdi9aCOXEo/edit#gid=952766449

Minnesota’s three cheapest car insurance providers are State Farm, USAA, and AMCO Insurance.

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What are the premium rates by annual commute in Minnesota?

https://docs.google.com/spreadsheets/d/1tY7HfKX9SbRuTf2OsV_o_yIRVU3RWZxMDQdi9aCOXEo/edit#gid=1368213861

Most of the top insurers in Minnesota do not increase the premium for a reasonable increase in annual mileage.

What are the premium rates by coverage level in Minnesota?

https://docs.google.com/spreadsheets/d/1tY7HfKX9SbRuTf2OsV_o_yIRVU3RWZxMDQdi9aCOXEo/edit#gid=2126985782

State Farm and USAA are the cheapest providers for high and low coverage requirements.

What are the premium rates by credit history in Minnesota?

https://docs.google.com/spreadsheets/d/1tY7HfKX9SbRuTf2OsV_o_yIRVU3RWZxMDQdi9aCOXEo/edit#gid=593194333

Many people don’t realize that your credit score can affect many aspects of your life. For instance, credit scores affect auto insurance rates.

The good news for Minnesotans is that they have the highest average credit scores in any state.

If you have poor credit, State Farm or Nationwide are great options for affordable coverage. On the other hand, if you have a good credit score, you can secure cheap auto insurance in Minnesota from providers like State Farm, USAA, or Nationwide. These companies offer competitive rates tailored to your credit situation.

According to the State of Credit Report by Experian, Minnesota has the highest average credit score in the country, at 709 (compared to the national average of 675).

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What are the premium rates by driving record in Minnesota?

Premium Rates by Driving Record in Minnesota

Auto insurers tend to increase the premium considerably if you have a DUI charge or an accident on your file. E.g. see below to check how a DUI conviction can increase your premium.

Premium Rates Increase for DUI in Minnesota

In case of an accident or DUI conviction, you should consider State Farm for affordable coverage.

What are the largest auto insurance companies in Minnesota?

Here’s a handy list of the top ten insurance companies in Minnesota:

Top 10 insurance companies in Minnesota

What is the number of auto insurers in Minnesota?

https://docs.google.com/spreadsheets/d/1H-f9cUF6rUsXeDQv4Q5-A-VN8RfDRO_rgPFm6bRMDos/edit#gid=342426914

According to data from the National Association of Insurance Commissioners, Minnesota has 39 domestic and 816 foreign insurance providers.

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What are the state laws in Minnesota?

Understanding state laws is crucial for saving on your insurance premium and maintaining a clean driving record. While you may have reviewed driving laws when you obtained your license, it’s equally important to be aware of other automotive regulations that can impact your premiums.

To help you secure cheap auto insurance in Minnesota, we’ve prepared a quick refresher on key rules and regulations. This ensures you’re informed and well-prepared to save more on your coverage.

What are the auto insurance laws in Minnesota?

According to the National Association of Insurance Commissioners, state laws dictate the type of tort law, minimum liability insurance requirements, and the system for approving insurer rates.

In Minnesota, the no-fault system and the ‘File and Use’ rate filing law apply. Insurers can submit auto forms, rules, and rates without prior review. To help you better navigate the legal landscape and find cheap auto insurance in Minnesota, let’s explore the laws and regulations specific to the North Star State.

Want to learn more? Check out our guide on Fault vs. No-Fault Auto Insurance Laws.

What are the windshield coverage laws in Minnesota?

Minnesota car insurance companies must offer optional full-glass coverage with no deductible. This means you can have your damaged windshield repaired or replaced at no cost if you choose this coverage.

However, insurers can use aftermarket parts of equal quality for windshield repairs or replacements. If you prefer OEM parts, you may need to cover the difference in cost. To find the best cheap auto insurance in Minnesota that offers this option, it’s important to compare policies carefully.

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What is MN high-risk insurance?

Insurers may deny you coverage in the voluntary market if you have a poor driving record, such as multiple DUI convictions or several at-fault accidents. This is because they consider it too risky to provide coverage.

In this situation, Minnesota state laws require that you search for coverage in the voluntary market for at least 60 days before exploring other options. To avoid high premiums, finding cheap auto insurance in Minnesota is still possible by comparing rates and considering alternative providers.

If you cannot find coverage in 60 days, opt for the Minnesota Automobile Insurance Plan (MAIP).

How it works: MAIP will assign you to an auto insurer based on a quota.

The coverage level and conditions will remain the same as in the voluntary market. However, the premium rates might be higher.

All auto insurance providers in Minnesota are expected to provide coverage under MAIP. The MAIP coverage is for three years, after which you are expected to improve your driving record and move out to the voluntary market.

To qualify for the MAIP, you need to meet the following criteria:

• You should have a valid driver’s license
• You should have a vehicle registered in Minnesota
• You should be able to prove that you searched for auto insurance in the voluntary market for at least 60 days
• You should not have missed premium payments in the last 12 months

If your driver’s license is suspended or revoked due to multiple traffic offenses, DUI violations, or uninsured auto accidents, your insurer must file a form with the Department of Public Safety certifying that you have the necessary insurance coverage.

What is low-cost insurance in Minnesota?

Minnesota does not offer a state-sponsored affordable auto insurance plan. Instead, it encourages residents to shop around and compare options to secure the best car insurance discount in Minnesota and maximize savings. Doing so lets you find cheap auto insurance in Minnesota that fits your needs and budget while maximizing potential savings.

What is automobile insurance fraud in Minnesota?

Auto insurance fraud affects everyone by raising company losses and increasing premium rates for all policyholders. In Minnesota, it is considered a crime.

Common examples include inflating claim values, providing false information on applications, staging accidents or injuries for claims, and accepting payment for services never provided. To avoid inflated premiums and secure cheap auto insurance in Minnesota, it’s essential to be aware of such fraudulent activities and report any suspicious behavior.

The quantum of the penalty is contingent on either the value of the fraud committed or the economic harm suffered by the victim. Minnesota state law awards the following penalties for insurance fraud:

https://www.findlaw.com/state/minnesota-law/minnesota-insurance-fraud-laws.html

For more info on insurance fraud laws, click here.

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What is the statute of limitations in Minnesota?

The statute of limitations is when you can file a lawsuit against a third party. In Minnesota, you have two years for personal injury and six years for property damage until you can leave the no-fault system and sue the third party for damages.

What are the vehicle licensing laws in Minnesota?

If your license is due for renewal soon, you might wonder: ‘Can I renew my driver’s license online?’ or ‘How do I get my first driver’s license?’ Remember, driving without a valid driver’s license in Minnesota is illegal.

Driving without a driver’s license can result in a fine. This guide will help you answer these questions and provide other relevant information on the license renewal procedures in Minnesota.

What is REAL ID Implementation in Minnesota?

The Federal Government started enforcing the REAL ID Act, passed by Congress in 2005, establishing minimum security standards for license issuance.

The Act is scheduled to take effect in October 2020, after which you will be expected to carry a REAL ID-compliant document to enter federal buildings or board a domestic flight.

Minnesota started issuing REAL ID-compliant driver licenses in October 2018.

If you have any of the following documents, you may not need another REAL ID:

• US Passport
• Foreign Passport
• U.S. Military ID
• Permanent Resident Card (Green Card)

You can also use the Driver and Vehicle Services tool to check if you need a REAL ID-compliant driver’s license. To get a REAL ID-compliant driver’s license, you need to bring the following documents to a nearby Driver and Vehicle Services office:

• One identification document
• Document proving social security number
• Two documents proving your residency in Minnesota

You can check the full list of documents required on the Driver and Vehicle Services’ website.

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What are the penalties for driving without insurance in Minnesota?

Driving without car insurance in MN is illegal and can result in penalties, fines, or even suspension of your driver’s license. Always ensure you have the required coverage to stay compliant with the law. If you can’t provide proof during a traffic stop, you must present it in court by a set date. Failure to do so can lead to fines or jail time. Always maintain cheap auto insurance in Minnesota to avoid penalties.

If it’s your first or second offense, you can be fined up to $1,000 with a minimum fine of $200. Your driving privileges, including driver’s license, car registration, and license plates, can be suspended for up to 30 days.

You must pay a $30 reinstatement fee and submit an SR-22 financial responsibility form to reinstate your driving privileges.

However, if it is your third offense, the penalties are harsher. You may have to pay a fine of up to $3,000 and lose your driving privileges for up to a year.

You will also face jail time of up to 90 days, a reinstatement fee, and SR-22 documentation.

Repeated offenses can lead your insurer to deny coverage in the voluntary market, and a poor driving record can significantly raise your premium.

Driving without insurance results in fines and penalties and can also devastate your finances in case of an accident.

Avoid the risk—now secure cheap auto insurance in Minnesota by getting a quote with our FREE tool!

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What are the teen driving laws in Minnesota?

Minnesota’s licensing laws allow teens to use the multi-stage learning opportunity to get comfortable behind the wheel. A teen can apply for an instruction permit at the age of 15.

If you are above age 15 and have completed 30 hours of classroom instruction, you can write the knowledge test and get your instruction permit. The instruction permit allows you to practice driving under the supervision of a certified instructor or a licensed driver of age 21 or older.

To qualify for the next stage, the provisional driver’s license, you must be at least 16 and have logged 40 hours of supervised driving, including 15 hours of nighttime driving.

To obtain a provisional driver’s license, you must have held a conviction-free instruction permit for at least six months and passed an approved driver education course.

To obtain a standard driver’s license in Minnesota, you must pass the driving test at your nearest Driver and Vehicle Services Office. You’re eligible to apply if you’re 18 years or older or have held a provisional license for at least 12 months without any convictions.

When applying, consider requesting a REAL ID-compliant license for future convenience.

As you prepare to hit the road, don’t forget to explore cheap auto insurance in Minnesota to ensure you’re covered at the best possible rate. Finding the best auto insurance in Minnesota will give you peace of mind and protection.

What is the license renewal procedure in Minnesota?

The standard driver’s license in Minnesota has a validity of four years. You must undergo a vision test every time you renew your driver’s license. However, unlike many other states, Driver and Vehicle Services in Minnesota does not allow the online renewal of a driver’s license. You must visit a DVS office to renew your driver’s license.

New Residents

If you are moving to Minnesota from another U.S. state or Canada and have a valid driver’s license, you can obtain a Minnesota driver’s license by passing a knowledge and vision test.

Remember: If your license expired more than a year ago, you would also have to undertake the driving test.

If you are moving to Minnesota from another country, you must pass the vision, knowledge, and driving tests to get a driver’s license. To find the documents required to get a license, visit the Driver and Vehicle Services website.

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What are the rules of the road in Minnesota?

Being aware of Minnesota’s road rules and regulations is not only vital for the safety of you and your family but can also help you qualify for discounts on your insurance premiums by maintaining a clean driving record. In this section, we’ll provide a quick recap of the key rules and regulations you should keep in mind while driving in the state. Additionally, staying informed can help you find cheap auto insurance in Minnesota and enjoy better coverage at lower rates.

Is Minnesota at fault or a no-fault state?

Minnesota follows a no-fault tort system of auto insurance. As we mentioned earlier, the no-fault system is designed to help you get on your feet faster in case of an accident.

However, you must purchase Personal Injury Protection and uninsured/underinsured coverage to protect yourself from financial harm.

You can step out of the no-fault system to sue a third party in court if you have sustained an injury resulting in more considerable expenses than the threshold value we discussed earlier.

What are the seat belt and car seat laws in Minnesota?

Click it or ticket! Seat belts and airbags are among your car’s most critical safety features.

In 2018, there were 2,792 motor vehicle deaths in Minnesota.

According to the CDC, the rate of traffic death is lower in Minnesota compared to the national average.

Ninety-four percent of Minnesotans wear seat belts, whereas only 86 percent of the country does. Minnesota wants its drivers to remain safe on the road, so it has penalties for not wearing a seat belt.

In Minnesota, not wearing a seat belt is considered a primary offense, which means a law enforcement officer can stop and fine you. The fine is $25 for the first offense and can rise to $100.

A restraint system should be used for children under 8 or shorter than 57 inches. Infants must be in rear-facing safety seats.

Remember: The driver is responsible for the child restraint violation and will have to pay a penalty of $50.

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What are the laws regarding keeping rights and moving over in Minnesota?

You should stay right in Minnesota unless you are passing a slower vehicle and traveling in the same direction (the vehicle must go under the posted speed limit).

Minnesota updated its keep right law on August 1st, 2019 to make sure slow drivers keep right.

If officers see a slow vehicle in the left lane that is holding up traffic, they may pull that vehicle over. State law requires you to reduce speed or vacate the lane closest to stationary emergency vehicles using flashing lights.

What are the speed limits in Minnesota?

https://www.iihs.org/topics/speed/speed-limit-laws

What are the ridesharing laws in Minnesota?

If you’ve recently used Uber or Lyft, you’ve already experienced coverage through these platforms’ commercial insurance plans. However, if you drive for Uber, Lyft, or any ridesharing service, it’s essential to understand the types of coverage available to protect yourself. Knowing your options can also help you secure cheap auto insurance in Minnesota that complements your ridesharing coverage for added peace of mind.

There are numerous scenarios when driving for ridesharing companies such as Uber and Lyft.

Offline: When you are driving for personal use, you are expected to use your auto insurance policy

Online with no ride request: The most tricky scenario is when you are online and have yet to receive a pick-up request. In this case, you are not covered under your policy as you are driving for the ridesharing company. In this case, you need a ‘gap insurance’ – called Ridesharing Insurance.

In Minnesota, Allstate, Farmers, and Geico can provide you with a Ridesharing Insurance plan. Online with ride request or active ride: The ridesharing company’s commercial policy will provide insurance coverage in this scenario.

E.g., in case of Uber, it provides $1,000,000 liability coverage, $1,000,000 bodily injury protection, and contingent collision & comprehensive coverage with $1,000 deductible. The deductible portion can vary between platforms.

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Is there automation on the road in Minnesota?

Self-driving cars are not allowed on public or private roads. A Minnesota task force has recommended steps toward opening the roads to them.

State Legislators and the Minnesota Department of Transportation are still wary of allowing self-driving cars on public roads. However, if the lawmakers pass the current bills, these cars may be allowed on private roads.

What are Minnesota safety laws?

No one wants a reckless or impaired driver endangering other drivers or pedestrians. Minnesota has strict laws to stop people from making such mistakes. Let us review the safety laws applicable in the state.

What are the DUI Laws in Minnesota?

In 2017, a total of 85 people in Minnesota died because of alcohol-impaired driving, of which seven were under 21 years old.

Minnesota fares better than the national average in terms of alcohol-impaired fatalities partly due to the strict penalties for the offense.

Let us review the fines and penalties related to the offense:

https://docs.google.com/spreadsheets/d/1DGzI4dMHmbtHxuCJ0klJFNAiJGsVTR2JYC5BaIt3jQI/edit#gid=0

Remember, the lookback period in Minnesota is 10 years.

The lookback period is the time until which any new offense will be counted as a subsequent offense and will result in harsher fines and penalties.

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What are the marijuana-impaired driving laws in Minnesota?

Although no legislation prohibits marijuana-impaired drivers from plying on the road, it is advisable to avoid driving in an intoxicated condition. You would not only be endangering your life but also some other person’s life.

What are the distracted driving laws in Minnesota?

In Minnesota, it is illegal for all drivers to use handheld devices and text while driving. Cellphone use is also unlawful for permit holders and provisional license drivers.

Minnesota has been hands-free since August 1st, 2019. Drivers may only use voice commands to perform tasks, such as making a call.

The distracted driving laws allow law enforcement to act as the primary enforcer. This means that a law enforcement officer can stop you and fine you for text messaging.

What’s driving in Minnesota like?

Another important factor that insurers consider is data on vehicle theft, crashes, speeding violations, etc., in your local area. Let us now look at the relevant data across Minnesota.

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What is the number of vehicle thefts in Minnesota?

https://www.nicb.org/sites/files/2019-03/HW2017ReleasewReport.pdf

Minnesota’s two most stolen cars are the 1997 Honda Accord and the 1998 Honda Civic. To check the number of cars stolen in your city, you can use the data provided by the FBI:

crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/minnesota.xls

Vehicle theft can also impact disproportionately minority communities when it comes to auto insurance rates. One of the key problems is that often vehicle theft is more predominant in neighborhoods of persons of color.

Insurance companies will then charge higher rates to those living in those areas because a higher vehicle theft rate can lead to more people filing claims. This costs the insurance companies money, so rates increase for that neighborhood.

You can read more about auto insurance negatively impacting minority groups as well as issues of police brutality in our Biggest Police Budgets by City [+Defunding and Black Imprisoment] article.

What is the number of road fatalities in Minnesota?

Let us review the fatality data in the state to understand the possible reasons causing these accidents.

What is the number of fatal crashes by weather conditions and light conditions?

https://docs.google.com/spreadsheets/d/16KgECYF0-vI-xYjKgBaDLzIcwMjhU82_1ZMZhBE36CA/edit#gid=759204855

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What is the number of fatalities by county for all crashes in Minnesota?

https://cdan.nhtsa.gov/SASStoredProcess/guest?_program=%2FProduction%2FApps%2FSTSI%2FCountyList

What is the number of traffic fatalities in Minnesota?

https://cdan.nhtsa.gov/SASStoredProcess/guest

Fatalities by person type in Minnesota

https://cdan.nhtsa.gov/SASStoredProcess/guest#

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Fatalities by crash type in Minnesota

https://cdan.nhtsa.gov/SASStoredProcess/guest#

Fatalities trend for the counties in Minnesota

https://cdan.nhtsa.gov/SASStoredProcess/guest#

Fatalities involving speeding by county in Minnesota

https://cdan.nhtsa.gov/SASStoredProcess/guest?_program=%2FProduction%2FApps%2FSTSI%2FCountyList

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Fatalities in crashes involving an alcohol-impaired driver by county in Minnesota

https://cdan.nhtsa.gov/SASStoredProcess/guest?_program=%2FProduction%2FApps%2FSTSI%2FCountyList

What are the rules for teen drinking and driving in Minnesota?

Minnesota ranks 17th highest in the country in terms of DUI arrests of teens. In 2016, law enforcement in Minnesota arrested 144 teens for driving under the influence.

https://docs.google.com/spreadsheets/d/1JCBXXeBtxzFEb11UTyuiSSRz8zu0lq-238eTNXv7TgE/edit#gid=595729063

What’s the EMS response time in Minnesota?

An efficient EMS response system can save lives. Let’s examine the state’s EMS response system.

https://cdan.nhtsa.gov/tsftables/tsfar.htm#

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What’s transportation in Minnesota?

According to DataUSA, Minnesota commuters spend less time on their commutes than the national average.

What is the percentage of car ownership in Minnesota?

Most households in Minnesota own two cars, which is on par with the national average.

What’s the average commute time in Minnesota?

On average, most commuters in Minnesota spend less than 30 minutes on their daily commute. The average commute time in Minnesota is 22.4 minutes, while the national average is 25.5 minutes.

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What’s the preferred commuter transportation in Minnesota?

Nearly 78 percent of commuters preferred to drive alone for their daily commute, compared to the national average of 76.4 percent.

Is there traffic congestion in Minnesota?

Minneapolis, the biggest city in Minnesota, is the 24th most congested city in the country. The Minnesota Department of Transportation works on eight projects to reduce congestion in the twin cities.

You can now make the most informed decision about your auto insurance coverage. car insurance quotes in Minnesota. Plug your ZIP code into our free online quote generator to find auto insurance that meets your individual insurance and financial needs today.

Frequently Asked Questions: Cheap Auto Insurance in Minnesota

Here are some frequently asked questions about auto insurance in Minnesota.

#1 – Who has the cheapest car insurance in Minnesota?

Minnesota’s cheapest auto insurance company is the No. 1 company in market share: State Farm.

The company has built a huge advantage in the auto insurance market share nationwide by providing very cheap rates and backing that up with good customer service and a user-friendly website.

#2 – How much is car insurance per month in Minnesota?

Monthly auto insurance rates vary significantly depending on the carrier and the amount of coverage that a driver has. Cheap full coverage auto insurance in Minnesota is generally more affordable compared to having full coverage plus uninsured motorist protection, as the latter adds extra coverage for accidents involving uninsured drivers.

However, by our calculations, Minnesota’s average full coverage rate is $826.64. That means the average monthly insurance rate for someone with full coverage is $68.89.

#3 – Why is car insurance so expensive in Minnesota?

Auto insurance in Minnesota is so expensive because the state operates under a no-fault auto insurance system. This type of system means that when you get into an accident, you go directly through your insurance company rather than the other driver, even if they were at fault.

No-fault states are often the most expensive because they have additional fees that are much less in at-fault states, including lawyer and court fees when one driver sues another.

#4 – What are the worst car insurance companies?

The worst auto insurance company is a subjective choice. It depends on your insurance price, how much you’re getting, the company’s customer service, its claims process, and whether it is a good steward in the community.

Companies that have the lowest number of complaints are typically Nationwide, State Farm, and Travelers.

#5 – What is the number one insurance company?

The number one property/casualty insurance company in America is State Farm, which holds a sizeable margin in premiums written compared to the other top companies. The second-largest is Berkshire Hathaway (Geico), which has been progressing towards becoming the No. 1 for several years.

#6 – How can I lower my car insurance premiums in Minnesota?

To lower your premiums, you can compare rates from providers like Auto-Owners ($33) and Nationwide ($35). Bundling policies, increasing deductibles, or qualifying for discounts (such as safe driver or multi-vehicle discounts) can further reduce your premium for

#7 – Is it possible to get full coverage car insurance for cheap in Minnesota?

Yes, you can get affordable full coverage by comparing companies like Geico ($37) and American Family ($38). Both offer competitively priced policies that include liability, collision, and comprehensive coverage, helping Minnesota drivers find cheap auto insurance in Minnesota without sacrificing protection.

#8 – How much is car insurance for new drivers in Minnesota?

New drivers tend to pay more for car insurance, but you can still find affordable options by checking rates from companies like Travelers ($40) and Progressive ($41). These companies often provide discounts for new drivers who complete driver education courses or maintain a clean driving record.

#9 – Does having a bad credit score affect car insurance rates in Minnesota?

Yes, drivers with poor credit scores may see higher premiums. However, you can still find cheap auto insurance in Minnesota by comparing rates from companies like Farmers ($44) and Allstate ($65). It’s important to improve your credit score to qualify for lower rates over time.

#10 – What are the best discounts available for cheap auto insurance in Minnesota?

Many companies offer various discounts, such as safe driver, multi-policy, and good student discounts. State Farm ($27) and Auto-Owners ($33) provide some of the best discount programs, helping Minnesota drivers reduce their premiums and find cheap auto insurance in Minnesota by taking advantage of these savings opportunities.