Minnesota Auto Insurance | Cheap MN Auto Insurance Quotes

Cheap MN auto insurance quotes are available. A married 35-year-old pays $251.91/month or $3,023/year for Minnesota full coverage auto insurance. Liberty Mutual only charges drivers in Albert Lea $331 a month, while coverage from the same provider costs up to $1,745 monthly in Minneapolis. State Farm is the largest and cheapest car insurance provider in Minnesota, making up nearly 25 percent of the market. The company with the lowest ratio of complaints to policyholders for Minnesota auto insurance is Travelers.

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Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

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UPDATED: Feb 16, 2024

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Minnesota Statistics SummaryDetails
Road Miles in MinnesotaVehicle Miles: 57,395 millions
Miles of Roadway: 138,767
VehiclesRegistered Vehicles: 4,985,782
Motor Vehicle Thefts: 8,367
Most Popular Vehicle in MinnesotaFord F150
Total Driving Related DeathsSpeeding Fatalities: 89
DUI Fatalities: 85
Full Coverage Average PremiumsLiability: $439.58
Collision: $214.02
Comprehensive: $173.04
Full Coverage: $826.64
Cheapest ProviderState Farm

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Whether you are driving to the Voyageurs National Park this summer or looking to spend time in The North Star State, you need the best Minnesota auto insurance coverage for complete peace of mind. The state also has more than 850 domestic and foreign insurance companies in the state.

With so many choices, you are bound to feel overwhelmed when choosing the best insurance product. Our guide will help you make an informed decision for the insurance product that best suits your need.

Comparing auto insurance companies can also help you start to figure out which company suits your insurance and financial needs the best. In truth, the best cheap MN auto insurance quotes and Minnesota auto insurance plans are just a click away.

You can start by entering your ZIP code into our free online quote comparison tool. It’ll give you rates for your specific demographic information and location.

Table of Contents

What are the Minnesota auto insurance rates and coverage?

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

Don’t worry as cover the fundamentals in easy to understand manner. In the guide, we will help you understand different types of coverages, required minimum insurance requirements, add-on coverage options, rates, and much more. After all, no one should be paying for a product that they don’t know why they need it in the first place!

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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 get rarely honked or see drivers swerving around you at an intersection.

However, sometimes you see excessive speeds on the freeways 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 the city of Minneapolis, around 90 percent of trips are done using a car.

The city is preparing a 2040 Comprehensive Plan in which it wants residents to drive less for errands such as grocery shopping by bringing shops closer to homes. But, till that happens, the residents have to drive, and therefore an adequate auto insurance coverage is vital.

What is the Minnesota minimum coverage?

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 the proof of coverage and enacted a law in 2016 that mandates that residents must prove insurance coverage while registering a vehicle in the state. The State of Minnesota mandates that you must have the following minimum coverage:

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.

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 is it 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. In case you rear-ended a car and held at fault, and your insurer may cover the damage to the third-party up to your coverage limit.

In case the damage is above your coverage limit, you may need to compensate the third party out of pocket. That is why it is imperative that you have adequate coverage to protect yourself against financial implications.

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

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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 other covered person’s medical bills, lost wages, child care, and funeral expenses. The PIP system is expected to help you get back on the feet after an accident by paying for medical bills and other expenses without assessing who was at fault.

It also reduces the burden at 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 in case an uninsured/underinsured driver hits you. Minnesota has a considerable number of uninsured drivers, and therefore, it is vital that you are adequately covered against potential loses.

What are the required forms of financial responsibility in Minnesota?

It is mandatory to purchase the state-mandated liability coverage in Minnesota. If you caused an accident and did not have an insurance policy, you would need to file a form SR-22 financial responsibility form.

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

Do not make the mistake of driving without insurance!

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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 are other paying in your state on average. Knowing about the average premium paid by other Minnesotans might help you in analyzing the quote that you may receive from an insurer.

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

Percentage of Income201420132012
National Average2.40%2.43%2.34%

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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), the average full coverage auto insurance in Minnesota was $826.04 against the national median of $954.99. Besides liability insurance, full coverage auto insurance includes collision and comprehensive coverage.

Although auto insurance is cheaper than the national average, it won’t hurt to look for additional insurance discounts! You can do the following things 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 alarm can save on discount
  • Reduce your mileage: Some insurers may provide a premium discount for low annual mileage

Can you get additional liability coverage in Minnesota?

Loss Ratio (%)201420132012
Med Pay47.7374.0572.1676.85420.5179.05

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

Uninsured/underinsured coverage helps if an uninsured driver hits you, and they are unable to pay for damages.

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 that the company is sustaining losses and paying more than it earned. It would also indicate that the premiums might increase in the near future.

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

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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?

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate Indemnity$3,023.30$3,023.30$2,908.43$2,908.43$6,885.00$9,968.67$3,677.99$3,860.95
American Family Mutual$2,233.79$2,233.79$2,025.26$2,025.26$6,086.73$8,812.61$2,233.79$2,519.05
Illinois Farmers Ins$2,041.64$2,038.65$1,965.24$2,076.17$5,820.43$5,872.48$2,672.81$2,612.21
Geico General$2,661.52$2,641.10$2,544.82$2,473.72$5,545.67$7,047.50$2,494.27$2,579.67
Liberty Mutual Fire$9,604.65$9,604.65$9,510.34$9,510.34$18,911.44$28,385.86$9,604.65$13,376.94
AMCO Insurance$1,970.26$1,978.45$1,753.51$1,860.69$5,026.90$6,105.97$2,312.50$2,403.62
State Farm Mutual Auto$1,542.45$1,542.45$1,374.37$1,374.37$3,334.79$4,106.75$1,786.56$1,474.15
USAA CIC$1,895.96$1,879.44$1,726.56$1,724.94$5,042.84$5,519.17$2,473.98$2,629.95

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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 generally, tend to reduce to a market average.

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

CompanyDemographicAverage Annual Rate
Liberty Mutual FireSingle 17-year old male$28,385.86
Liberty Mutual FireSingle 17-year old female$18,911.44
Liberty Mutual FireSingle 25-year old male$13,376.94
Allstate IndemnitySingle 17-year old male$9,968.67
Liberty Mutual FireMarried 35-year old female$9,604.65
Liberty Mutual FireMarried 35-year old male$9,604.65
Liberty Mutual FireSingle 25-year old female$9,604.65
Liberty Mutual FireMarried 60-year old female$9,510.34
Liberty Mutual FireMarried 60-year old male$9,510.34
American Family MutualSingle 17-year old male$8,812.61
Geico GeneralSingle 17-year old male$7,047.50
Allstate IndemnitySingle 17-year old female$6,885.00
AMCO InsuranceSingle 17-year old male$6,105.97
American Family MutualSingle 17-year old female$6,086.73
Illinois Farmers InsSingle 17-year old male$5,872.48
Illinois Farmers InsSingle 17-year old female$5,820.43
Geico GeneralSingle 17-year old female$5,545.67
USAA CICSingle 17-year old male$5,519.17
USAA CICSingle 17-year old female$5,042.84
AMCO InsuranceSingle 17-year old female$5,026.90
State Farm Mutual AutoSingle 17-year old male$4,106.75
Allstate IndemnitySingle 25-year old male$3,860.95
Allstate IndemnitySingle 25-year old female$3,677.99
State Farm Mutual AutoSingle 17-year old female$3,334.79
Allstate IndemnityMarried 35-year old female$3,023.30
Allstate IndemnityMarried 35-year old male$3,023.30
Allstate IndemnityMarried 60-year old female$2,908.43
Allstate IndemnityMarried 60-year old male$2,908.43
Illinois Farmers InsSingle 25-year old female$2,672.81
Geico GeneralMarried 35-year old female$2,661.52
Geico GeneralMarried 35-year old male$2,641.10
USAA CICSingle 25-year old male$2,629.95
Illinois Farmers InsSingle 25-year old male$2,612.21
Geico GeneralSingle 25-year old male$2,579.67
Geico GeneralMarried 60-year old female$2,544.82
American Family MutualSingle 25-year old male$2,519.05
Geico GeneralSingle 25-year old female$2,494.27
USAA CICSingle 25-year old female$2,473.98
Geico GeneralMarried 60-year old male$2,473.72
AMCO InsuranceSingle 25-year old male$2,403.62
AMCO InsuranceSingle 25-year old female$2,312.50
American Family MutualMarried 35-year old female$2,233.79
American Family MutualMarried 35-year old male$2,233.79
American Family MutualSingle 25-year old female$2,233.79
Illinois Farmers InsMarried 60-year old male$2,076.17
Illinois Farmers InsMarried 35-year old female$2,041.64
Illinois Farmers InsMarried 35-year old male$2,038.65
American Family MutualMarried 60-year old female$2,025.26
American Family MutualMarried 60-year old male$2,025.26
AMCO InsuranceMarried 35-year old male$1,978.45
AMCO InsuranceMarried 35-year old female$1,970.26
Illinois Farmers InsMarried 60-year old female$1,965.24
USAA CICMarried 35-year old female$1,895.96
USAA CICMarried 35-year old male$1,879.44
AMCO InsuranceMarried 60-year old male$1,860.69
State Farm Mutual AutoSingle 25-year old female$1,786.56
AMCO InsuranceMarried 60-year old female$1,753.51
USAA CICMarried 60-year old female$1,726.56
USAA CICMarried 60-year old male$1,724.94

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What are the cheapest MN auto insurance rates by ZIP code?

Depending on where you live, you can find the insurer that provides the cheapest insurance rates.

Cheapest ZIP Codes in Minnesota CityAverage by ZIP CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
56007ALBERT LEA$3,976.80Liberty Mutual$12,222.48Allstate$4,039.14State Farm$1,827.79Nationwide$2,389.63
56088TRUMAN$3,983.87Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,668.01Farmers$2,453.16
56120BUTTERFIELD$4,009.53Liberty Mutual$12,222.48Allstate$4,110.95State Farm$1,690.81USAA$2,438.90
55912AUSTIN$4,009.81Liberty Mutual$11,792.33Allstate$4,094.03State Farm$1,858.67USAA$2,502.58
56159MOUNTAIN LAKE$4,014.86Liberty Mutual$12,222.48Allstate$4,206.30State Farm$1,741.80USAA$2,438.90
55987WINONA$4,017.60Liberty Mutual$11,372.14Allstate$4,391.76State Farm$1,909.06Nationwide$2,489.07
56039GRANADA$4,018.94Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,641.11Nationwide$2,530.75
56027ELMORE$4,022.41Liberty Mutual$12,222.48Allstate$4,216.61State Farm$1,636.38Farmers$2,391.86
56073NEW ULM$4,027.34Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,673.65USAA$2,438.90
56181WELCOME$4,027.96Liberty Mutual$12,222.48Allstate$4,144.34State Farm$1,678.68Nationwide$2,530.75
56062MADELIA$4,029.17Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,698.53USAA$2,438.90
56031FAIRMONT$4,029.28Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,647.15Nationwide$2,530.75
56127DUNNELL$4,029.53Liberty Mutual$12,222.48Allstate$4,206.30State Farm$1,763.52Farmers$2,448.45
56087SPRINGFIELD$4,029.60Liberty Mutual$12,222.48Allstate$4,143.10State Farm$1,706.84USAA$2,438.90
56054LAFAYETTE$4,032.56Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,774.45Farmers$2,585.62
56081SAINT JAMES$4,032.94Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,698.42USAA$2,438.90
56075NORTHROP$4,036.97Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,881.71Nationwide$2,530.75
56098WINNEBAGO$4,037.01Liberty Mutual$12,222.48Allstate$4,216.61State Farm$1,718.76Farmers$2,436.29
56019COMFREY$4,041.92Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,670.30USAA$2,438.90
56041HANSKA$4,042.96Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,677.99USAA$2,438.90
56001MANKATO$4,043.78Liberty Mutual$11,927.85Allstate$4,376.76State Farm$2,014.61Nationwide$2,615.86
56085SLEEPY EYE$4,044.59Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,633.33USAA$2,438.90
56036GLENVILLE$4,046.92Liberty Mutual$12,222.48Allstate$4,216.61State Farm$1,837.88Farmers$2,408.30
56171SHERBURN$4,047.15Liberty Mutual$12,222.48Allstate$4,206.30State Farm$1,713.97Nationwide$2,530.75
56162ORMSBY$4,048.38Liberty Mutual$12,222.48Allstate$4,144.34State Farm$1,881.71Nationwide$2,530.75

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

Most Expensive ZIP Codes in Minnesota CityAverage by ZIP CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
55411MINNEAPOLIS$6,620.56Liberty Mutual$20,934.87Allstate$6,404.25State Farm$3,337.51USAA$3,688.43
55106SAINT PAUL$6,563.33Liberty Mutual$20,971.66Allstate$6,567.98State Farm$3,568.79USAA$3,711.58
55101SAINT PAUL$6,547.31Liberty Mutual$20,971.66Allstate$6,523.85State Farm$3,460.84USAA$3,504.15
55103SAINT PAUL$6,520.89Liberty Mutual$20,971.66Allstate$6,523.85State Farm$3,315.39USAA$3,504.15
55404MINNEAPOLIS$6,491.18Liberty Mutual$20,934.87Allstate$6,588.35State Farm$2,895.66USAA$3,328.08
55412MINNEAPOLIS$6,434.63Liberty Mutual$20,934.87Allstate$6,465.92State Farm$3,297.21USAA$3,688.43
55107SAINT PAUL$6,404.50Liberty Mutual$20,971.66Allstate$6,136.19State Farm$3,003.66USAA$3,261.85
55454MINNEAPOLIS$6,394.17Liberty Mutual$20,934.87Allstate$6,568.73State Farm$2,770.93USAA$3,328.08
55415MINNEAPOLIS$6,385.64Liberty Mutual$20,934.87Allstate$6,568.73State Farm$2,861.81USAA$3,328.08
55407MINNEAPOLIS$6,382.20Liberty Mutual$20,346.17Allstate$6,595.26State Farm$2,988.98USAA$3,582.41
55408MINNEAPOLIS$6,370.83Liberty Mutual$20,934.87Allstate$6,588.35State Farm$2,894.22USAA$3,183.53
55402MINNEAPOLIS$6,353.00Liberty Mutual$20,934.87Allstate$6,568.73State Farm$2,824.38USAA$3,328.08
55455MINNEAPOLIS$6,349.43Liberty Mutual$20,934.87Allstate$6,531.88State Farm$2,935.21USAA$3,328.08
55104SAINT PAUL$6,339.29Liberty Mutual$20,346.17Allstate$6,523.85State Farm$3,032.21USAA$3,328.08
55405MINNEAPOLIS$6,320.72Liberty Mutual$20,934.87Allstate$6,601.34State Farm$2,824.38USAA$3,688.43
55406MINNEAPOLIS$6,257.62Liberty Mutual$20,346.17Allstate$6,568.73State Farm$2,777.97USAA$3,222.20
55414MINNEAPOLIS$6,254.15Liberty Mutual$20,346.17Allstate$6,531.88State Farm$2,681.89USAA$3,328.08
55403MINNEAPOLIS$6,252.05Liberty Mutual$20,934.87Allstate$6,568.73State Farm$2,800.79USAA$3,328.08
55413MINNEAPOLIS$6,248.33Liberty Mutual$20,934.87Allstate$6,370.10State Farm$2,907.36USAA$3,271.06
55401MINNEAPOLIS$6,221.83Liberty Mutual$20,934.87Allstate$6,370.10State Farm$2,859.24USAA$3,328.08
55114SAINT PAUL$6,200.17Liberty Mutual$20,346.17Allstate$6,523.85State Farm$2,503.54USAA$3,328.08
55102SAINT PAUL$6,187.71Liberty Mutual$20,346.17Allstate$5,927.14State Farm$2,977.73USAA$3,261.85
55409MINNEAPOLIS$6,109.20Liberty Mutual$20,346.17Allstate$6,509.73State Farm$2,954.03USAA$3,183.53
55130SAINT PAUL$5,798.28Liberty Mutual$14,314.34Allstate$6,462.88State Farm$3,582.91USAA$3,711.58
55450MINNEAPOLIS$5,758.23Liberty Mutual$20,934.87Allstate$5,069.73USAA$2,531.82State Farm$2,935.21

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Since ZIP codes aren’t representative of a whole city, next we want to look at rates by city.

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What are the Minnesota auto insurance rates by city?

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

Cheapest Cities in Minnesota Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Albert Lea$3,976.80Liberty Mutual$12,222.48Allstate$4,039.14State Farm$1,827.79Nationwide$2,389.63
Truman$3,983.87Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,668.01Farmers$2,453.16
Butterfield$4,009.53Liberty Mutual$12,222.48Allstate$4,110.95State Farm$1,690.81USAA$2,438.90
Austin$4,009.81Liberty Mutual$11,792.33Allstate$4,094.03State Farm$1,858.67USAA$2,502.58
Mountain Lake$4,014.86Liberty Mutual$12,222.48Allstate$4,206.30State Farm$1,741.80USAA$2,438.90
Goodview$4,017.60Liberty Mutual$11,372.14Allstate$4,391.76State Farm$1,909.06Nationwide$2,489.07
Granada$4,018.95Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,641.11Nationwide$2,530.75
Elmore$4,022.41Liberty Mutual$12,222.48Allstate$4,216.61State Farm$1,636.38Farmers$2,391.86
New Ulm$4,027.34Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,673.65USAA$2,438.90
Welcome$4,027.96Liberty Mutual$12,222.48Allstate$4,144.34State Farm$1,678.68Nationwide$2,530.75
Madelia$4,029.17Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,698.53USAA$2,438.90
Fairmont$4,029.28Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,647.15Nationwide$2,530.75
Dunnell$4,029.53Liberty Mutual$12,222.48Allstate$4,206.30State Farm$1,763.52Farmers$2,448.45
Springfield$4,029.60Liberty Mutual$12,222.48Allstate$4,143.10State Farm$1,706.84USAA$2,438.90
Lafayette$4,032.56Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,774.45Farmers$2,585.62
St. James$4,032.94Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,698.42USAA$2,438.90
Northrop$4,036.97Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,881.71Nationwide$2,530.75
Winnebago$4,037.01Liberty Mutual$12,222.48Allstate$4,216.61State Farm$1,718.76Farmers$2,436.29
Comfrey$4,041.92Liberty Mutual$12,222.48Allstate$4,013.12State Farm$1,670.30USAA$2,438.90
Hanska$4,042.96Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,677.99USAA$2,438.90
Sleepy Eye$4,044.59Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,633.33USAA$2,438.90
Glenville$4,046.92Liberty Mutual$12,222.48Allstate$4,216.61State Farm$1,837.88Farmers$2,408.30
Sherburn$4,047.15Liberty Mutual$12,222.48Allstate$4,206.30State Farm$1,713.97Nationwide$2,530.75
Ormsby$4,048.38Liberty Mutual$12,222.48Allstate$4,144.34State Farm$1,881.71Nationwide$2,530.75
Lewisville$4,051.00Liberty Mutual$12,222.48Allstate$4,007.85State Farm$1,712.06USAA$2,438.90

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Albert Lea has the cheapest rates in all of Minnesota.

Most Expensive Cities in Minnesota Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Minneapolis$6,106.69Liberty Mutual$19,767.41Allstate$6,275.74State Farm$2,860.94USAA$3,270.39
St. Paul$5,972.08Liberty Mutual$18,511.98Allstate$6,141.30State Farm$3,006.99USAA$3,309.17
Little Canada$5,397.29Liberty Mutual$14,314.34Allstate$5,939.60USAA$3,246.25State Farm$3,375.84
Brooklyn Center$5,250.46Liberty Mutual$13,733.42Allstate$5,517.75State Farm$2,657.84USAA$3,027.14
Falcon Heights$5,110.86Liberty Mutual$14,384.20Allstate$5,605.47State Farm$2,445.02USAA$3,000.34
Columbia Heights$5,103.52Liberty Mutual$13,733.42Allstate$5,453.46State Farm$2,631.03USAA$2,963.85
Maplewood$5,061.15Liberty Mutual$14,314.34Allstate$5,382.25State Farm$2,720.57USAA$2,960.39
Waskish$5,023.66Liberty Mutual$15,228.53Farmers$4,564.50State Farm$2,148.12Nationwide$2,950.86
St. Francis$5,003.38Liberty Mutual$15,094.54Allstate$4,711.37State Farm$2,460.88USAA$3,193.94
Martin Lake$5,003.33Liberty Mutual$15,094.54Allstate$4,712.34State Farm$2,459.40USAA$3,193.94
Richfield$5,002.58Liberty Mutual$14,343.36Allstate$5,308.16State Farm$2,566.97USAA$2,790.97
Lake George$4,999.75Liberty Mutual$15,228.53Farmers$4,491.44State Farm$2,185.55USAA$3,008.87
South St. Paul$4,994.42Liberty Mutual$14,314.34Allstate$5,331.35State Farm$2,667.84USAA$2,987.88
Columbus$4,992.05Liberty Mutual$15,094.54Allstate$4,758.69State Farm$2,382.94Nationwide$3,130.44
Bethel$4,984.06Liberty Mutual$15,094.54Allstate$4,711.37State Farm$2,424.09USAA$3,193.94
East Bethel$4,978.05Liberty Mutual$15,094.54Allstate$4,712.66State Farm$2,477.33USAA$3,193.94
Fridley$4,971.65Liberty Mutual$13,733.42Allstate$5,492.04State Farm$2,618.39USAA$2,807.34
Almelund$4,966.16Liberty Mutual$15,094.54Allstate$5,026.47State Farm$2,406.80USAA$2,915.46
Isanti$4,955.17Liberty Mutual$15,094.54Allstate$4,790.79State Farm$2,422.96Nationwide$3,215.12
Garrison$4,948.90Liberty Mutual$15,228.53Allstate$4,537.69State Farm$2,148.12USAA$2,902.05
Andover$4,946.23Liberty Mutual$15,094.54Allstate$5,081.81State Farm$2,396.83USAA$2,982.27
Grandy$4,945.76Liberty Mutual$15,094.54Allstate$4,770.32State Farm$2,406.80Nationwide$3,215.12
Swatara$4,945.15Liberty Mutual$15,228.53Allstate$4,489.01State Farm$2,148.12Nationwide$2,993.69
Taylors Falls$4,943.22Liberty Mutual$15,094.54Allstate$5,026.47State Farm$2,406.80USAA$2,915.46
Centerville$4,940.45Liberty Mutual$15,094.54Allstate$4,928.00State Farm$2,248.59USAA$2,780.77

Discover Affordable Insurance Options Across Minnesota

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

Find the Cheapest Insurance in Your City
Bloomington, MN
Duluth, MN
Rochester, MN
Saint Paul, MN

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What are the best Minnesota auto insurance companies?

If you have used our FREE tool to a get quote, you might be wondering: ‘How to 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. In this guide, we will help choose an insurer based on relevant metrics that provide you the best coverage.

What are the financial ratings of MN auto insurance companies?

Financial strength is one of the most important factors to consider while finalizing an insurer. We are using A.M. Credit Rating data, one of the most reputed credit rating agency for the insurance industry, to help analyze the financial strength of an insurer.

A good credit rating for an insurer would mean that the company is in good financial standing would be in a position to settle future claim obligations.

Let us look at the credit rating for the top ten auto insurance providers. The top ten insurance companies have around 80 percent market share in Minnesota.

CompanyMarket ShareCredit Rating
State Farm Group24.73%A
Progressive Group16.27%A+
American Family Insurance Group11.62%A
Farmers Insurance Group5.91%A
Allstate Insurance Group5.56%A+
USAA Group3.08%A++
Liberty Mutual Group3.07%A
Travelers Group2.95%A++
Auto-Owners Group2.88%A++

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

Another important factor is to look at what the current customers are saying about an insurance company. Customer reviews provide us insights into the quality of service offered by an insurer.

E.g., we would know how quickly the insurer responds after filing a claim and how efficient is the claim settlement process.

Since it may not be possible to review the customer comments manually, we would be using the J.D. Power Customer Satisfaction Ratings. J.D. Power is one of the most trusted sources for automotive information.

Auto Insurance North Central Region Customer Reviews

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 important aspect while analyzing an insurer is to look at the complaints filed against the company. Complaints ratio is one metric that gives you an idea about the quality of service provided by a company.

If the ratio is worse than the industry average, you might want to steer clear of the company.

The top insurers in Minnesota generally provide quality service and coverage. The table below provides complaints data for the top ten auto insurance provides in Minnesota:

CompanyCompany Complaint
Ratio 2017
Total Complaints
State Farm Group0.441482
Progressive Group0.75120
American Family Insurance Group0.7973
Farmers Insurance Group00
Allstate Insurance Group0.5163
USAA Group0.74296
Liberty Mutual Group5.95222
Travelers Group0.092
Auto-Owners Group0.5331

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

What are the cheapest MN auto insurance companies?

CompanyAverageCompared to State Average ($4,513.50)
Allstate Indemnity$4,532.01$18.51
American Family Mutual$3,521.29-$992.21
Illinois Farmers Ins$3,137.45-$1,376.04
Geico General$3,498.53-$1,014.96
Liberty Mutual Fire$13,563.61$9,050.11
AMCO Insurance$2,926.49-$1,587.01
State Farm Mutual Auto$2,066.99-$2,446.51
USAA CIC$2,861.60-$1,651.89

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State Farm, USAA, and AMCO Insurance are the three cheapest car insurance providers in Minnesota.

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What are the premium rates by annual commute in Minnesota?

Companies10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
American Family3480.063562.51
Liberty Mutual13165.3713961.85
State Farm2011.152122.82

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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?

American Family$3,432.86$3,618.33$3,512.68
Liberty Mutual$13,874.92$13,574.70$13,241.20
State Farm$2,141.38$2,074.23$1,985.35

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

What are the premium rates by credit history in Minnesota?

American Family$2,564.44$3,190.11$4,809.31
Liberty Mutual$9,555.18$12,227.54$18,908.11
State Farm$1,344.22$1,842.99$3,013.76

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

Good news for Minnesotans: they have the highest average credit scores of any state.

If you have poor credit, you can consider State Farm or Nationwide for affordable coverage. If you have a good credit score, you can get a cheap quote from State Farm, USAA, or Nationwide.

As per the State of Credit Report by Experian, Minnesota has the highest average credit score in the country at 709 (v national average 675).

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What are the premium rates by driving record in Minnesota?

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
American Family$2,367.00$2,682.98$4,259.41$4,775.76
Liberty Mutual$9,956.63$10,738.20$13,646.49$19,913.12
State Farm$1,900.45$2,066.98$2,233.53$2,066.98

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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.

CompanyPremium increase with DUI chargePremium increase with an at-fault accident
State Farm$166.53$333.08
American Family$2,408.76$1,892.41
Liberty Mutual$9,956.49$3,689.86

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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 top ten insurance companies in Minnesota:

CompanyMarket Share
State Farm Group24.73%
Progressive Group16.27%
American Family Insurance Group11.62%
Farmers Insurance Group5.91%
Allstate Insurance Group5.56%
USAA Group3.08%
Liberty Mutual Group3.07%
Travelers Group2.95%
Auto-Owners Group2.88%

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What is the number of auto insurers in Minnesota?

Type of InsurerCount

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As per the data from the National Association of Insurance Commissioners, there are 39 domestic and 816 foreign insurance providers in Minnesota.

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What are the state laws in Minnesota?

To save more on the insurance premium and to keep a clean record, you should be aware of state laws. We understand that you must have gone through the driving laws when applying for your driver’s license.

However, other automotive laws are also equally important if you are looking to save on insurance premiums. We have developed a quick refresher of relevant rules and regulations for your reference.

What are the auto insurance laws in Minnesota?

According to the National Association Of Insurance Commissioners, state laws define the type of tort law applicable, the minimum liability insurance required, and the system used for approval of insurer rates.

Minnesota follows the no-fault system and ‘File and Use’ rate filing law. File and Use law means that insurer can file auto forms, rules, and rates without review. Let us now look at the specific laws and rules applicable in 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?

Auto insurance companies in Minnesota are required to offer optional full glass coverage with zero deductible. If you opt for the coverage, you can get your damaged windshield repaired or replaced at no cost.

However, the insurer is free to use aftermarket parts of equal quality to repair or replace a windshield. You can opt for an OEM part, but you may need to pay the difference in cost.

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What is MN high-risk insurance?

Insurers can deny you coverage in the voluntary market if you have a poor driving record. E.g., a poor driving record may include multiple DUI convictions or multiple at-fault accidents.

In this case, an insurer will find it too risky to cover you in the voluntary market. In such a scenario, the state laws expect that you search for coverage in the voluntary market for at least 60 days.

If you are unable to find coverage in 60 days, you can 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 the state of 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 payment in the last 12 months

If your driver’s license is suspended or revoked due to multiple traffic offenses, DUI violations, or uninsured auto accident, your insurer would need to 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 have an affordable coverage plan for auto insurance. The state recommends that you shop around to get the maximum discount for auto insurance.

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What is automobile insurance fraud in Minnesota?

Auto insurance fraud impacts all of us. Fraud can increase the loses for the companies while subsequently increasing the premium rates for the rest of us. Therefore, auto insurance fraud is a crime in Minnesota.

Typical auto insurance frauds include inflation of claim value, misrepresentation of facts on the insurance application, staging an accident or injury for a claim, or services never rendered against premium payment.

The quantum of 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:

Fraud valueImprisonmentFine
More than $35,000Up to 20 yearsUp to $100,000
$5,000-$35,000Up to ten yearsUp to $20,000
$1,000-$5,000Up to five yearsUp to $10,000
$500-$1,000Up to 365 daysUp to 3,000
Less than $500Up to 90 daysUp to $1,000

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For more info on insurance fraud laws , click here.

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What is the statute of limitations in Minnesota?

Statute of Limitations is the time until which you can bring a lawsuit against a third party. In Minnesota, you have two years for personal injury and six years for property damage until which time you can step out of 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 be wondering: ‘Can I renew my driver’s license online?’ or ‘how do I get my first driver’s license?’ Remember, it is illegal to drive without a valid driver’s license in Minnesota.

Driving without a driver’s license will result in a fine. In this guide, we will help you answer these questions along with 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 that established minimum security standards for license issuance.

The Act is scheduled to come into 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 from October 2018.

If you have any of the following document, 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?

It is illegal to drive in Minnesota without valid insurance. If you are not able to furnish valid proof of insurance during a traffic stop, you can produce it in court before a specified date. If you are unable to furnish valid proof even after the court date, you can face harsh penalties and jail time.

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

To reinstate your driving privileges, you will have to pay a $30 reinstatement fee and submit an SR-22 financial responsibility form.

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

You will also face jail time up to 90 days along with reinstatement fee and SR-22 documentation.

Remember, if you show the behavior of repeated offense, your insurer might deny you coverage in the voluntary market. A bad driving record can increase your premium rate considerably.

Driving without insurance not only attracts fines and penalties, but it can also prove catastrophic to your financial health in case of an accident. Do not make the mistake of driving without insurance! Get a quote with our FREE tool. Just enter your zip code to get started.

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What are the teen driving laws in Minnesota?

Teen Driving Stages in Minnesota The licensing laws in Minnesota allow for a teen 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 either 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 successfully 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.

Finally, you would need to pass the driving test undertaken at the nearest Driver and Vehicle Services Office. If you have held the provisional driver’s license for a minimum of 12 months or are 18 years and older, you can apply for the standard driver’s license.

To successfully obtain the standard license, you must not have a conviction on the provisional license. If you are applying for a new driver’s license, remember to ask for REAL ID-compliant driver’s license.

What is the license renewal procedure in Minnesota?

The standard-driver license in Minnesota has a validity of four years. You need to undergo a vision test every time you renew your driver’s license. However, unlike many other states, Driver and Vehicle Services in Minnesota do not allow the online renewal of driver’s license. You have to visit one of the offices of DVS 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 will have to 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?

It is critical that you are aware of the road rules and regulations. It not only keeps you and your family safe, but it can also lead to a discount on your insurance premium on account of a clean driving record. In this section, we want to do a quick recap of the essential rules and regulations that you must remember while driving in Minnesota.

Is Minnesota at fault or 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, to protect yourself from financial harm, you need to purchase Personal Injury Protection along with uninsured/underinsured coverage.

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

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

Click it or ticket! Seat belts coupled with air bags are one of the most critical safety features in your car.

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 Minnesotans wear seat belts whereas only 86 percent of the rest of the country wear seat belts. Minnesota wants its drivers to remain safe on the road. That’s why the state 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.

You should use a restraint system for children under the age of 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 keep right and move over laws in Minnesota?

You should keep right in Minnesota unless passing a slower vehicle traveling in the same direction (the vehicle must be going 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 also requires you to reduce speed or vacate the lane closest to stationary emergency vehicles using flashing lights.

What are the speed limits in Minnesota?

Rural Interstates70
Urban Interstates60
Other limited access road60
Other roads60

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What are the ridesharing laws in Minnesota?

If you have ever used Uber or Lyft lately, you have already availed coverage under the commercial insurance plan offered by these platform providers. If you drive for Uber, Lyft, or any other ridesharing application, it is vital for you to know the different kinds of coverage available to you.

Ridesharing insurance options in Minnesota

There are numerous scenarios when you are 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 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 will be able to provide you Ridesharing Insurance plan. Online with ride request or active ride: In this scenario, the commercial policy of the ridesharing company will provide insurance coverage.

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 not allowed on public or private roads. A task force constituted by Minnesota has recommended steps towards opening the roads to self-driving cars.

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

What are Minnesota safety laws?

No one wants a reckless or impaired driver on the road endangering other drivers or pedestrians. Minnesota has strict law 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 Alcohol-impaired fatalities

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:

First90 days (180 days if the driver is under 21)Up to 90 days$1,000
SecondRevoked for one year30 days to one year$3,000
Thirdif thirdoffense on record: DL revoked for one year;
if third offense in ten years: DL revoked and denied for three years
90 days to one yearMinimum $3,000To avoid jail time, driver has to agree with electronic alcohol monitoring with at least daily breath-alcohol test
Fourthif fourth on record: cancelled and revoked for three years
if fourth in ten years: cancelled and revoked for four years
90 days to seven years$14,000Impoundment of registration plates, weekly meeting with probation officer, random substance testing; the cost for all the tests to be paid by the driver
FifthDriver's license cancelled and revoked for six yearsMinimum one year in jailSame

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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 the 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?

It is illegal to use handheld devices and to text while driving in Minnesota for all drivers. It is also unlawful for permit holders and provisional license drivers to use cellphones while driving.

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 for primary enforcement. 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 use is to consider data on vehicle theft, crashes, speeding violations, etc., of your local area. Let us now look at the relevant data across Minnesota.

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What is the number of vehicle theft in Minnesota?

Make and ModelModel YearTotal Number of Thefts
Honda Accord1997620
Honda Civic1998534
Chevrolet Pickup (Full Size)1999421
Ford Pickup (Full Size)2001248
Toyota Camry1999235
Honda CR-V2000229
Chevrolet Impala2005190
Dodge Caravan2005142
Toyota Corolla2005125
Chevrolet Malibu2005123

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

Albert Lea14
Apple Valley37
Belle Plaine3
Big Lake6
Blooming Prairie2
Blue Earth4
Breezy Point0
Breitung Township0
Brooklyn Center114
Brooklyn Park170
Buffalo Lake0
Cannon Falls6
Centennial Lakes7
Clara City0
Cold Spring/Richmond2
Columbia Heights37
Coon Rapids50
Cottage Grove21
Deer River0
Detroit Lakes9
Eagle Lake3
East Grand Forks6
East Range0
Eden Prairie27
Eden Valley0
Elbow Lake0
Elko New Market1
Elk River19
Falcon Heights4
Fergus Falls9
Forest Lake35
Golden Valley31
Grand Rapids1
Granite Falls1
Hill City0
Howard Lake1
Inver Grove Heights73
La Crescent1
Lake City7
Lake Crystal2
Lakes Area8
Lake Shore0
Lester Prairie1
Le Sueur5
Lino Lakes5
Little Falls9
Long Prairie1
Madison Lake1
Maple Grove35
Mendota Heights6
Minnesota Lake1
Moose Lake2
Mounds View27
Mountain Lake0
New Brighton27
New Hope15
New Prague1
New Richland0
North Branch12
North Mankato3
North St. Paul22
Oak Park Heights5
Park Rapids12
Pequot Lakes0
Pike Bay0
Pine River1
Red Wing29
Redwood Falls13
Sacred Heart0
Sauk Centre4
Sauk Rapids12
Silver Bay0
Silver Lake2
Sleepy Eye0
South Lake Minnetonka4
South St. Paul63
Spring Grove1
Spring Lake Park20
St. Anthony6
St. Charles2
St. Cloud124
St. Francis5
St. James1
St. Joseph5
St. Louis Park44
St. Paul1,874
St. Paul Park17
St. Peter8
Thief River Falls5
Two Harbors3
Waite Park15
West Concord1
West Hennepin1
West St. Paul65
White Bear Lake27

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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 people who live in those areas because a higher vehicle theft rate can lead to more people filing claims. This costs the insurance companies money, so rates get increased for that neighborhood.

You can read more about auto insurance impacting negatively 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 condition and light condition?

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal

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

Aitkin County24663
Anoka County1216112017
Becker County33195
Beltrami County66634
Benton County81729
Big Stone County20101
Blue Earth County431267
Brown County27202
Carlton County31936
Carver County610531
Cass County564106
Chippewa County45410
Chisago County68468
Clay County64314
Clearwater County11222
Cook County11000
Cottonwood County41602
Crow Wing County910583
Dakota County1910112811
Dodge County03211
Douglas County16267
Faribault County32441
Fillmore County12231
Freeborn County23243
Goodhue County710845
Grant County03003
Hennepin County4234334545
Houston County20503
Hubbard County44351
Isanti County581573
Itasca County62635
Jackson County50610
Kanabec County01222
Kandiyohi County212841
Kittson County20000
Koochiching County10141
Lac Qui Parle County01200
Lake County40314
Lake of The Woods County01021
Le Sueur County61643
Lincoln County21000
Lyon County24323
Mahnomen County11110
Marshall County11130
Martin County30113
Mcleod County42413
Meeker County52452
Mille Lacs County48473
Morrison County58964
Mower County31221
Murray County02120
Nicollet County26220
Nobles County52330
Norman County30320
Olmsted County12814126
Otter Trail County83927
Pennington County01352
Pine County749109
Pipestone County10231
Polk County53464
Pope County20010
Ramsey County1212181519
Red Lake County00000
Redwood County31238
Renville County44212
Rice County56564
Rock County15031
Roseau County16012
Scott County115788
Sherburne County4211511
Sibley County22604
St. Louis County198161916
Stearns County6912513
Steele County16451
Stevens County10111
Swift County12325
Todd County63232
Traverse County10000
Wabasha County44342
Wadena County13412
Waseca County22112
Washington County10812137
Watonwan County12101
Wilkin County00000
Winona County26156
Wright County1616878
Yellow Medicine County22403

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What is the number of traffic fatalities in Minnesota?

Traffic Fatalities2008200920102011201220132014201520162017

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Fatalities by person type in Minnesota

Person Type20132014201520162017
OccupantsPassenger Car156154159144124
Light Truck - Pickup4045664140
Light Truck - Utility4045405251
Light Truck - Van2326141320
Light Truck - Other00110
Large Truck108596
Other/Unknown Occupants161413812
Total Occupants285293299268254
MotorcyclistsTotal Motorcyclists6146615655
Bicyclist and Other Cyclist651076
Other/Unknown Nonoccupants32234
Total Nonoccupants4122516848

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Fatalities by crash type in Minnesota

Crash Type20132014201520162017
Total Fatalities (All Crashes)387361411392357
Single Vehicle190156196176179
Involving a Large Truck7566646161
Involving Speeding84111849289
Involving a Rollover105941048889
Involving a Roadway Departure181205216199181
Involving an Intersection (or Intersection Related)11297124128126

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Fatalities trend for the counties in Minnesota

Minnesota Counties by 2017 RankingFatalities
1Hennepin County4234334545
2Ramsey County1212181519
3Anoka County1216112017
4St. Louis County198161916
5Stearns County6912513
6Dakota County1910112811
7Sherburne County4211511
8Benton County81729
9Pine County749109
10Chisago County68468
Sub Total 1Top Ten Counties162139154181158
Sub Total 2All Other Counties225222257211199
TotalAll Counties387361411392357

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Fatalities involving speeding by county in Minnesota

Aitkin County12420
Anoka County26276
Becker County11121
Beltrami County12011
Benton County10101
Big Stone County00000
Blue Earth County21110
Brown County15200
Carlton County00111
Carver County05110
Cass County43212
Chippewa County00100
Chisago County10212
Clay County52002
Clearwater County01100
Cook County10000
Cottonwood County00100
Crow Wing County11121
Dakota County45292
Dodge County02111
Douglas County04111
Faribault County01140
Fillmore County00000
Freeborn County00001
Goodhue County12210
Grant County00001
Hennepin County14791615
Houston County10001
Hubbard County20231
Isanti County13110
Itasca County11113
Jackson County00110
Kanabec County00000
Kandiyohi County06010
Kittson County00000
Koochiching County00030
Lac Qui Parle County01000
Lake County30003
Lake of The Woods County00000
Le Sueur County00412
Lincoln County00000
Lyon County10010
Mahnomen County10000
Marshall County00010
Martin County00001
Mcleod County00010
Meeker County01110
Mille Lacs County13101
Morrison County12100
Mower County01100
Murray County00010
Nicollet County10110
Nobles County21010
Norman County00100
Olmsted County30510
Otter Trail County21103
Pennington County00001
Pine County01205
Pipestone County10100
Polk County01021
Pope County00000
Ramsey County04447
Red Lake County00000
Redwood County10013
Renville County03110
Rice County13010
Rock County00010
Roseau County00000
Scott County30133
Sherburne County20311
Sibley County21000
St. Louis County46233
Stearns County32414
Steele County02201
Stevens County00000
Swift County00000
Todd County01000
Traverse County00000
Wabasha County24001
Wadena County01010
Waseca County10001
Washington County11401
Watonwan County01000
Wilkin County00000
Winona County05021
Wright County24212
Yellow Medicine County11001

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

Aitkin County01120
Anoka County33452
Becker County02031
Beltrami County31401
Benton County21201
Big Stone County00000
Blue Earth County00202
Brown County00000
Carlton County20411
Carver County11310
Cass County15252
Chippewa County01000
Chisago County03111
Clay County21200
Clearwater County11011
Cook County00000
Cottonwood County11301
Crow Wing County14000
Dakota County44340
Dodge County02000
Douglas County12112
Faribault County00120
Fillmore County01000
Freeborn County02001
Goodhue County02500
Grant County00001
Hennepin County151261215
Houston County00100
Hubbard County31030
Isanti County13331
Itasca County21322
Jackson County10010
Kanabec County01000
Kandiyohi County04110
Kittson County20000
Koochiching County00001
Lac Qui Parle County01100
Lake County30210
Lake of The Woods County00010
Le Sueur County40121
Lincoln County10000
Lyon County11001
Mahnomen County11000
Marshall County10110
Martin County10001
Mcleod County10111
Meeker County10311
Mille Lacs County12121
Morrison County01132
Mower County10000
Murray County00100
Nicollet County10010
Nobles County21120
Norman County10020
Olmsted County42223
Otter Trail County01201
Pennington County00100
Pine County11416
Pipestone County00030
Polk County11202
Pope County00000
Ramsey County34445
Red Lake County00000
Redwood County10101
Renville County00010
Rice County11011
Rock County00000
Roseau County02010
Scott County30330
Sherburne County11202
Sibley County10100
St. Louis County14725
Stearns County21411
Steele County02111
Stevens County00000
Swift County00211
Todd County12110
Traverse County00000
Wabasha County11021
Wadena County02000
Waseca County11001
Washington County02621
Watonwan County01001
Wilkin County00000
Winona County16000
Wright County36124
Yellow Medicine County00101

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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.

DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank
U.S. Average102.8294.84-

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What’s the EMS response time in Minnesota?

An efficient EMS response system can save lives. Let us take a look at the state’s EMS response system.

LocationTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes

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What’s transportation in Minnesota?

As per DataUSA, commuters in Minnesota on average spend less time in their commute than the national average.

What is the percentage of car ownership in Minnesota?

The majority of households in Minnesota owns two cars, which is on par with the national average.

What’s the average commute time in Minnesota?

On average, the majority of commuters in Minnesota spend less than 30 minutes in 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 against the national average of 76.4 percent.

Is there traffic congestion in Minnesota?

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

You are now equipped to take the most informed decision about your auto insurance coverage. Start by comparing free auto insurance quotes, which is the quickest and easiest way to save. 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: Minnesota Auto Insurance

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

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

The cheapest auto insurance company in Minnesota is actually the No. 1 company in terms of market share: State Farm.

The company has built a huge advantage in 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. Having just full coverage is less expensive than having full coverage plus uninsured motorist for instance.

However, by our calculations, the average full coverage rate in Minnesota 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’s even if they were at-fault.

No-fault states are often the most expensive because of the 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 task. It depends on the price you are paying for insurance, how much insurance you’re getting, what the company’s customer service is like, how its claims process is, and perhaps 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) and has been making progress towards taking over as the No. 1 for a number of years.

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