Key Takeaways
- Dairyland, Progressive and The General offer some of the cheapest car insurance in Minnesota.
- The average cost of minimum coverage in Minnesota is around $150 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Minnesota.
You may find cheap car insurance in Minnesota from companies like Dairyland, Progressive and The General. These insurers are regularly among the most affordable options in the state, according to real quotes for Jerry customers.
Here are more cheap providers for minimum and full coverage, by age, driving history and low credit score.
Cheap minimum coverage in Minnesota
These are the cheapest car insurance companies in Minnesota for minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $76 | $909 |
| National General | $135 | $1,618 |
| Progressive | $149 | $1,782 |
| The General | $176 | $2,107 |
| Bristol West | $180 | $2,157 |
| Dairyland | $194 | $2,329 |
Minimum car insurance requirements in Minnesota
Minnesota drivers must carry these minimum car insurance limits:
- $30,000 in bodily injury liability per person.
- $60,000 in bodily injury liability per accident.
- $10,000 in property damage liability per accident.
- $25,000 in uninsured/underinsured motorist coverage per person.
- $50,000 in uninsured/underinsured motorist coverage per accident.
- $40,000 in personal injury protection, or PIP.
More: Cheap car insurance in Minneapolis, Minnesota
Cheap full coverage car insurance in Minnesota
These are the cheapest car insurance companies in Minnesota for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $152 | $1,824 |
| Assurance America | $200 | $2,400 |
| Progressive | $202 | $2,426 |
| National General | $227 | $2,722 |
| The General | $325 | $3,905 |
| Bristol West | $326 | $3,914 |
| Dairyland | $439 | $5,269 |
| Embark General | $665 | $7,976 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Minnesota
Below are the average costs of car insurance in Minnesota for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $379 | $4,546 |
| 21-24 | $274 | $3,283 |
Cheap minimum coverage in Minnesota for a 20-year-old
These are the cheapest car insurance companies in Minnesota for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $299 | $3,585 |
| Progressive | $317 | $3,809 |
| Dairyland | $344 | $4,133 |
| National General | $345 | $4,144 |
| Bristol West | $360 | $4,324 |
Cheap full coverage in Minnesota for a 20-year-old
These are the cheapest car insurance companies in Minnesota for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $316 | $3,789 |
| Progressive | $317 | $3,799 |
| The General | $397 | $4,769 |
| Embark General | $665 | $7,976 |
| Bristol West | $753 | $9,035 |
Average auto insurance costs for mature drivers in Minnesota (25-54)
Below are the average costs of car insurance for drivers in Minnesota between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $229 | $2,752 |
| 35-44 | $193 | $2,317 |
| 45-54 | $172 | $2,060 |
Cheapest minimum coverage in Minnesota for a 35-year-old
Here are the most affordable insurers in Minnesota for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $45 | $538 |
| National General | $112 | $1,344 |
| Progressive | $117 | $1,405 |
| Dairyland | $127 | $1,530 |
| The General | $143 | $1,718 |
Cheapest full coverage in Minnesota for a 35-year-old
Here are the most affordable insurers in Minnesota for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $176 | $2,109 |
| Progressive | $185 | $2,215 |
| National General | $216 | $2,590 |
| The General | $270 | $3,234 |
| Dairyland | $313 | $3,760 |
Average car insurance costs for older drivers in Minnesota (55+)
Below are the average costs of car insurance for drivers in Minnesota aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $145 | $1,745 |
| 65+ | $144 | $1,722 |
Cheapest minimum coverage in Minnesota for a 65-year-old
Here are the most affordable insurers in Minnesota for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $49 | $584 |
| Progressive | $52 | $624 |
| National General | $72 | $859 |
| Bristol West | $90 | $1,079 |
Cheapest full coverage in Minnesota for a 65-year-old
These are the cheapest car insurance companies in Minnesota for 65-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $114 | $1,365 |
| Progressive | $114 | $1,367 |
| National General | $146 | $1,754 |
| Bristol West | $177 | $2,127 |
| The General | $242 | $2,899 |
Cheapest car insurance in Minnesota by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Minnesota
Here are the most affordable insurers in Minnesota for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $81 | $973 |
| Safeco | $128 | $1,531 |
| Progressive | $147 | $1,762 |
| National General | $156 | $1,870 |
| Bristol West | $194 | $2,329 |
Cheapest car insurance with a speeding ticket in Minnesota
These are the cheapest car insurance companies in Minnesota for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $133 | $1,595 |
| National General | $182 | $2,180 |
| Progressive | $193 | $2,320 |
| Assurance America | $203 | $2,438 |
| The General | $230 | $2,761 |
Cheapest car insurance after an at-fault accident with no injury in Minnesota
These are the cheapest car insurance companies in Minnesota for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mendota | $97 | $1,168 |
| Kemper | $116 | $1,391 |
| Safeco | $141 | $1,687 |
| National General | $202 | $2,427 |
| Assurance America | $203 | $2,438 |
Cheapest auto insurance after an at-fault accident with injury in Minnesota
Below are the cheapest auto insurers in Minnesota for people with an at-fault accident with injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $136 | $1,627 |
| Dairyland | $209 | $2,506 |
| The General | $301 | $3,618 |
| Bristol West | $374 | $4,494 |
| Progressive | $451 | $5,407 |
Cheapest car insurance with a DUI in Minnesota
Here are the most affordable insurers in Minnesota for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $194 | $2,324 |
| National General | $194 | $2,328 |
| Dairyland | $275 | $3,294 |
| The General | $294 | $3,525 |
| Bristol West | $303 | $3,637 |
Average auto insurance costs for Minnesota drivers with other violations
Below are average car insurance costs in Minnesota for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $162 | $1,941 |
| Cell Phone | $226 | $2,715 |
| Driving on Sus. License | $411 | $4,927 |
| Eluding Police | $543 | $6,517 |
| Failure to Obey Traffic Sign | $249 | $2,985 |
Cheapest auto insurance for low credit scores in Minnesota
Minnesota drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in Minnesota for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $151 | $1,809 |
| Progressive | $194 | $2,327 |
| National General | $197 | $2,360 |
| Assurance America | $203 | $2,438 |
| The General | $217 | $2,603 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Minnesota
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Minnesota
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
