The best car insurance in Minnesota comes from Geico, according to Jerry’s editorial analysis. The company has high financial strength ratings and few complaints to state regulators. Here’s the rundown of the rest of the best insurers in the state.
If you need cheap car insurance in Minnesota, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Minnesota overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Among insurers available in Minnesota that received a Jerry star rating of 4 or higher, Geico earned the highest rating. The company boasts a superior financial strength rating from AM Best, which indicates the insurer is financially prepared to pay out claims. The company also has few customer complaints to state regulators.
Geico may offer many discount options to Minnesota drivers, including savings for bundling policies, going paperless, setting up automatic payments and being a safe driver. You also may be able to customize an auto policy by adding roadside assistance, rental reimbursement or mechanical breakdown coverage.
You can use the company’s mobile app to manage your policy, file and track claims, request Geico’s roadside assistance, get a quote and estimate vehicle repair costs by uploading a photo of your vehicle’s damage.
More of the best Minnesota insurers
Here are more top-rated insurers in Minnesota.
Best full coverage car insurance in Minnesota
The following companies offer some of the best full coverage car insurance rates in Minnesota.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $152 |
| Progressive | $202 |
| Root | $203 |
| Electric | $209 |
| National General | $228 |
Best car insurance for teen drivers in Minnesota
Here are the best car insurance rates for teens in Minnesota.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 19 | The General | $128 | May 13, 2025 |
| 19 | National General | $143 | December 11, 2024 |
| 19 | Progressive | $145 | January 2, 2025 |
| 19 | Progressive | $168 | April 25, 2025 |
| 18 | Dairyland | $213 | October 16, 2024 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Minnesota
Here is the best car insurance for drivers under 25 in Minnesota based on quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $161 |
| Progressive | $237 |
| National General | $269 |
| The General | $279 |
| Dairyland | $403 |
Learn more: Car insurance for college students
Best car insurance for seniors in Minnesota
Below are the best options for drivers over 65 in Minnesota, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $127 |
| National General | $131 |
| Safeco | $150 |
| Bristol West | $166 |
| The General | $183 |
Learn more: Car insurance for seniors
How to get the best car insurance in Minnesota
Follow these tips to find the best car insurance in Minnesota:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
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.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
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.
