Updated February 13, 2026

How to Find the Best Car Insurance in in Minnesota

Minnesota cheapest insurance

How to Find the Best Car Insurance in in Minnesota

Jerry works with 7 different insurance companies in the North Star State, and this year alone we’ve helped 7,266 Minnesota drivers get competitive quotes and switch their coverage.

We understand that every driver has different needs, and since we’ve helped thousands of MN drivers just like you, we understand what’s important. We can show you real choices made by real people, and how other drivers in your state are choosing their top car insurance coverage

Here’s what we’ve noticed:

  • Progressive is the single most-chosen insurer among Jerry customers in Minnesota, accounting for a full half of the state’s market share.

  • GEICO and National General bring in a strong second and third place.

  • The rest of our customers are spread across strong carriers like The General, Safeco and others.

The takeaway is simple: there’s no one “best” company for everyone. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.

Recent quotes in Minnesota

Last Updated Feb. 9, 2026

Quick picks: Best Minnesota car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for Minnesota drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

Select your driver type

Driver categoryMost popular in MN
Most driversProgressive, GEICO, National General
Homeowners who bundleProgressive, GEICO, National General
Budget-focused driversProgressive, GEICO, National General
Families with teen driversProgressive, The General, Safeco
College studentsProgressive, GEICO, National General
Drivers with violationsProgressive, National General, GEICO
Military driversUSAA, GEICO, Armed Forces Insurance
Senior driversProgressive, National General, The General
Honda1

Jerry pulls up to 20 quotes from top rated carriers.

How Jerry helps Minnesota drivers find their best insurance

There’s a reason Jerry doesn’t look like your typical insurance quote site. It’s because we are anything but typical.

For Minnesota drivers, we don’t just find a low number, we find the right policy by:

  • Using real data from 7,266 recent Minnesota quotes to best compare your coverage options.

  • Analyzing 7 top insurers in the state against our quality criteria and your specific needs.

  • Showing you highly-rated options that balance coverage, claims and cost.

  • Explaining why each option makes sense for your situation.

  • Handling all the paperwork — including cancellation and refund requests — and helping you switch, so you never have a coverage gap.

  • Continuing to monitor market rates so you always know when it’s time to shop for better pricing.

What does that mean for MN drivers? An average annual savings of $964 and high satisfaction rates among drivers who switch with Jerry.

Ready to see what you could save? Answer a few quick questions and we’ll show you the top options, fast.

Best car insurance for most MN drivers

Minnesota drivers have 7 insurance companies to choose from when shopping through Jerry. These carriers each bring a variety of coverages, features, benefits and prices to the table, so customers can truly shop around to find the one that offers the best balance of price and protection.

Most popular insurers in Minnesota

For most drivers in Minnesota who want full coverage and strong claims support, three companies rise to the top as customer favorites: Progressive, GEICO and National General. Jerry can compare them (and more) side-by-side in just minutes, so you see which one actually works for you.

Here’s a look at what they each offer and why customers say they’re a top pick.

1. Progressive

4.6

Jerry Score

4.9

Customer Rating

50%

of Jerry drivers in MN chose this insurer

  • Why we recommend Progressive

Recent quotes for MN drivers

Last Updated Feb. 9, 2026

2. GEICO

4.6

Jerry Score

5.0

Customer Rating

23%

of Jerry drivers in MN chose this insurer

  • Why we recommend GEICO

Recent quotes for MN drivers

Last Updated Feb. 9, 2026

3. National General

3.9

Jerry Score

4.8

Customer Rating

18%

of Jerry drivers in MN chose this insurer

  • Why we recommend National General

Recent quotes for MN drivers

Last Updated Feb. 9, 2026

Lifestyle14

Get MN quotes in as little as 2 minutes.

Best MN car insurance for bundling home and auto

If you’re a homeowner, your insurance decisions usually shift from “cheapest” to “best fit.” Your auto policy needs to protect the life you’ve built, including your property, savings and the people who depend on you.

Many drivers start with bundling auto and home insurance because it’s an easy way to simplify policy management and qualify for discounts. But even without bundling, homeownership can still work in your favor. Some carriers offer homeowner-specific discounts or higher coverage limits that better reflect what you’re protecting.

In Minnesota, Jerry sees most home-owning customers choosing Progressive, GEICO and National General for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

51%

of Jerry drivers in MN chose this insurer

  • Why we recommend Progressive

Recent quotes for homeowners

Last Updated Feb. 9, 2026

2. GEICO

4.6

Jerry Score

4.7

Customer Rating

22%

of Jerry drivers in MN chose this insurer

  • Why we recommend GEICO

Recent quotes for homeowners

Last Updated Feb. 9, 2026

3. National General

3.9

Jerry Score

4.8

Customer Rating

16%

of Jerry drivers in MN chose this insurer

  • Why we recommend National General

Recent quotes for homeowners

Last Updated Feb. 9, 2026

Lifestyle4

Jerry helps you bundle home and auto for less in just minutes.

Best value for budget-focused MN drivers

If you’re watching your monthly cost but refuse to trim your coverage, our data show that Progressive, GEICO and National General often deliver the strongest value for Minnesota drivers. This doesn’t necessarily mean the cheapest car insurance in Minnesota, but rather the best balance of price and protection.

Over the past 12 months, Jerry has helped 6,243 Minnesota drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why customers say they’re a top pick.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

57%

of Jerry drivers in MN chose this insurer

  • Why we recommend Progressive

Recent price-friendly quotes

Last Updated Feb. 9, 2026

2. GEICO

4.6

Jerry Score

4.7

Customer Rating

20%

of Jerry drivers in MN chose this insurer

  • Why we recommend GEICO

Recent price-friendly quotes

Last Updated Feb. 9, 2026

3. National General

3.9

Jerry Score

4.7

Customer Rating

14%

of Jerry drivers in MN chose this insurer

  • Why we recommend National General

Recent price-friendly quotes

Last Updated Feb. 9, 2026

CTA1 1

Jerry helps you save on car insurance fast.

Best car insurance for MN families with teen drivers

In Minnesota, teen drivers are typically one of the priciest additions you can make, and the cost increase can last for years if you don’t have the right carrier and structure. The upside is that different insurers handle teen drivers very differently, so families often have room to save without cutting corners on coverage.

Over the last year, Jerry has helped 166 MN families with teen drivers find average annual savings of $503, primarily with Progressive, The General and Safeco.Here’s a look at what those top carriers offer and why Jerry customers choose them most often.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

56%

of Jerry drivers in MN chose this insurer

  • Why we recommend Progressive

Recent teen driver quotes

Last Updated Feb. 13, 2026

2. The General

3.9

Jerry Score

5.0

Customer Rating

38%

of Jerry drivers in MN chose this insurer

  • Why we recommend The General

Recent teen driver quotes

Last Updated Feb. 13, 2026

3. Safeco

  • Why we recommend Safeco

4.3

Jerry Score

No

Customer Rating

6%

of Jerry drivers in MN chose this insurer

Recent teen driver quotes

Last Updated Feb. 13, 2026

JERRY EXPERT INSIGHT
Adding a teen to your policy is expensive, there's no doubt about that. But good student, driver education and low-mileage discounts can stack up more than people expect, potentially saving you hundreds.
Gordon Adams-Smith
Gordon Adams-Smith
General Lines Agent (California Property & Casualty)

Best car insurance for MN college students

College life involves a lot of things, but “predictable driving habits” usually isn’t one of them. Students may go weeks without touching the car, then suddenly drive home for a weekend or road trip out of town. That stop-start pattern can make it surprisingly easy to end up with the wrong setup or pay for coverage you don’t really need.

Over the last 12 months, Jerry has helped 888 college students in Minnesota find affordable coverage that still protects them on and off campus. Progressive, GEICO and National General are the most common choices for college students buying auto insurance through Jerry, and here’s why.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

56%

of Jerry drivers in MN chose this insurer

  • Why we recommend Progressive

Recent college driver quotes

Last Updated Feb. 9, 2026

2. GEICO

4.6

Jerry Score

4.6

Customer Rating

32%

of Jerry drivers in MN chose this insurer

  • Why we recommend GEICO

Recent college driver quotes

Last Updated Feb. 9, 2026

3. National General

3.9

Jerry Score

4.7

Customer Rating

8%

of Jerry drivers in MN chose this insurer

  • Why we recommend National General

Recent college driver quotes

Last Updated Feb. 9, 2026

Audi2

Fast track your MN insurance with Jerry.

Best MN car insurance for drivers with violations

Insurance companies don’t love surprises, and violations look like risk. Tickets, at-fault accidents and DUIs can raise your premium quickly and sometimes cut down your carrier options at the same time. Still, plenty of insurers will work with you, and the impact of a violation typically fades as it gets older.

Jerry has helped 1,233 Minnesota drivers with violations find coverage this past year at affordable prices, and we monitor your rates so you’ll know when to shop again after violations fall off your record and you can potentially save even more.

For many drivers in this group, Jerry customers most often find competitive coverage with Progressive, National General and GEICO — carriers that tend to be more open to Minnesota drivers who have violations on their record.

1. Progressive

4.6

Jerry Score

4.7

Customer Rating

51%

of Jerry drivers in MN chose this insurer

  • Why we recommend Progressive

Recent quotes post-violation

Last Updated Feb. 10, 2026

2. National General

3.9

Jerry Score

4.8

Customer Rating

22%

of Jerry drivers in MN chose this insurer

  • Why we recommend National General


3. GEICO

4.6

Jerry Score

4.7

Customer Rating

18%

of Jerry drivers in MN chose this insurer

  • Why we recommend GEICO


JERRY EXPERT INSIGHT
After a violation or accident, compare a few standard carriers and at least one non-standard option. In many states, that mix helps you find the best fit.
Carlos Lopez
Carlos Lopez
General Lines Agent (Nevada Property & Casualty)

Car insurance options for MN military families

Whether active-duty, reservist, guard, or veteran, military life changes the way you drive, store your car and move across states. Jerry has helped Minnesota military families find coverage that fits deployments, PCS moves and everything in between.

If you qualify for military-focused insurers, they should always be part of the conversation. At the same time, many standard insurers offer strong military discounts and flexible policies that Jerry can quote and compare for you.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

There are insurers built specifically for military life, including USAA, Navy Federal, Armed Forces Insurance and similar providers.

If you qualify, put them on your shortlist. These companies are built around deployments, PCS orders and frequent moves, and they often offer storage or reduced-use options when your vehicle is parked during deployment. Their service teams also tend to know the realities of orders, pay and timelines, which can reduce friction.

Because these insurers operate a bit differently, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the best way to compare is:

1. Use Jerry to price and compare standard insurers, then
2. Pull direct quotes from one or more military-only insurers.

That way, you’re comparing their offer against competitive market rates.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

On top of military-only providers, there are national insurers that offer military discounts, handle deployments and out-of-state moves, and are already deeply integrated with Jerry’s quoting and switching flow.

For many MN military families, GEICO, State Farm and Progressive are often in the conversation.

1. GEICO

Best for: Flexible deployment-friendly coverage and strong discounts

Why it often works well for service members:

  • Military discounts and options to adjust coverage when you deploy or your mileage drops.

  • 24/7 support that works across time zones when you’re OCONUS or on irregular schedules.

  • Easy app-based policy access for quick proof of insurance, claims or changes between duties.

2. State Farm

Best for: Families moving between bases and states

Why it often works well for service members:

  • Massive nationwide agent network, useful if you PCS and want continuity of service.

  • Familiar, local agents near many bases and military communities.

  • Simple bundling if you buy a home or condo near base and want to protect everything under one roof.

3. Progressive

Best for: Tech-forward, frequently changing situations

Why it often works well for service members:

  • Competitive pricing across a wide range of driver profiles, including frequent movers.

  • Strong digital tools for updating addresses, mileage and garaging as life changes.

  • Good add-ons (like rental and roadside) that matter when you’re far from home support.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in Minnesota.

lifestyle2

Get personalized car insurance rates now.

Best car insurance for senior drivers in Minnesota

When you’re over 65, good insurance isn’t just about the premium. It’s about trust: clear coverage, consistent rates, and support that shows up when you need it. For Minnesota senior drivers, Jerry most often points to Progressive, National General and The General because they tend to deliver that mix well.

In the last 12 months, we’ve helped 365 Minnesota seniors find coverage that fits their driving habits today and respects their experience.

1. Progressive

4.6

Jerry Score

4.8

Customer Rating

41%

of Jerry drivers in MN chose this insurer

  • Why we recommend Progressive

Recent senior driver quotes

Last Updated Feb. 9, 2026

2. National General

3.9

Jerry Score

5.0

Customer Rating

34%

of Jerry drivers in MN chose this insurer

  • Why we recommend National General

Recent senior driver quotes

Last Updated Feb. 9, 2026

3. The General

3.9

Jerry Score

4.8

Customer Rating

21%

of Jerry drivers in MN chose this insurer

  • Why we recommend The General

Recent senior driver quotes

Last Updated Feb. 9, 2026

Lifestyle9

See coverage options for your car.

How Jerry picks the best insurers in Minnesota

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Minnesota driver data, this score evaluates insurers on:

Customer satisfaction

What customers say after they’ve filed a claim or made changes, not just when they first buy.

Value for your money

The best balance of price and protection, not just the lowest premium on the page.

Claims experience

How quickly and fairly claims get paid, especially after real crashes and storm damage.

Financial strength

Whether the company has the backing to pay out when major events hit.

Quality of coverage

How easy it is to get high liability limits, comprehensive and collision, and useful add-ons like rental reimbursement and roadside.

Product availability

Where coverage is offered, the protections available and what sort of add-ons customers can choose from to truly customize their policy.

The result? We show you a short list of options tailored to how you actually drive and what you actually own.

Lifestyle1

Drivers who switch with Jerry save an average of $54/mo on car insurance.

Expert-driven. Built for you.
Our experts
meet-experts-thumbnail
Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other features.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

SIMPLIFY CAR OWNERSHIP

Shop smarter, save simpler—insurance, diagnostics, and repairs—all in one place

Let Jerry find you personalized quotes in minutes.