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

Minnesota drivers often turn to minimum liability insurance when they want essential protection without the extra cost. These plans are designed to handle the costs if you injure someone or damage their property in a collision. They’re an ideal choice for those who own cars that don’t require full repair coverage. Shopping around helps Minnesota residents find the most affordable policy that satisfies state laws.

These are the cheapest car insurance companies in Minnesota for minimum coverage, according to Jerry’s data.

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

Finding affordable full coverage car insurance in Minnesota requires choosing a policy that handles the full spectrum of risks. Full coverage usually covers things like accidents, winter-related damages, animal collisions and vehicle theft — giving you financial peace of mind whether you’re at fault or not. It’s particularly important for cars with significant value.

These are the cheapest car insurance companies in Minnesota for full coverage, according to Jerry’s data.

If you have a loan or lease on 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.

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

• 35-45 years old.
• Clean driving record.
• $50,000 in bodily injury liability, per person.
• $100,000 in bodily injury liability, per accident.
• $1,000 deductible for comprehensive and collision insurance.

Average car insurance costs for young drivers in Minnesota

In Minnesota, youthful drivers are considered higher-risk because of limited experience and a statistically greater chance of causing accidents. This leads to inflated insurance premiums, even for cautious individuals. Young drivers in Minnesota can save money by maintaining good grades and avoiding high-performance vehicles.

Below are the average costs of car insurance in Minnesota for drivers between 18 and 24.

Cheap minimum coverage in Minnesota for a 20-year-old

A 20-year-old in Minnesota might choose liability-only coverage to simplify their insurance and reduce costs. When full coverage exceeds the value of the car, opting for the basics may make financial sense. It’s a budget-friendly way to remain compliant without overpaying.

These are the cheapest car insurance companies in Minnesota for 20-year-olds with minimum coverage, according to Jerry’s data.

Cheap full coverage in Minnesota for a 20-year-old

In Minnesota, a 20-year-old might choose full coverage to stay protected from harsh winters and crowded roadways. It ensures that they’re not left paying for major repairs out of pocket and it’s a valuable choice in a state where weather adds to the everyday risks.

These are the cheapest car insurance companies in Minnesota for 20-year-olds with full coverage, according to Jerry’s data.

Average auto insurance costs for mature drivers in Minnesota (25-54)

Minnesota drivers with a long-standing record of safe driving tend to receive better insurance rates. Their ability to navigate harsh weather and busy roads without issue gives them an edge.

Below are the average costs of car insurance for drivers in Minnesota between the ages of 25 to 54.

Cheapest minimum coverage in Minnesota for a 35-year-old

A 35-year-old in Minnesota could go with liability-only insurance to save money on a car that’s depreciated over time. Cold weather and years of road exposure may lessen the vehicle’s value and with a strong safety record, full coverage may seem unnecessary.

Here are the most affordable insurers in Minnesota for 35-year-olds with minimum coverage policies, according to real car insurance quotes for Jerry customers.

Cheapest full coverage in Minnesota for a 35-year-old

In Minnesota, a 35-year-old might see full coverage as a smart choice to handle long winters and slippery roads. Comprehensive protection helps cover damage from collisions and weather alike and it’s especially useful for commuters who can’t afford to be sidelined.

Here are the most affordable insurers in Minnesota for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.

Average car insurance costs for older drivers in Minnesota (55+)

Minnesota drivers over 55 might see their premiums rise as insurers adjust for changing physical capabilities and winter hazards. Even the most seasoned drivers are impacted by slower reflexes in icy conditions and insurance providers account for these factors when updating policies.

Below are the average costs of car insurance for drivers in Minnesota aged 55 and older.

Cheapest minimum coverage in Minnesota for a 65-year-old

Minnesota seniors may switch to liability-only car insurance once their daily driving habits slow down. With fewer icy commutes and less mileage overall, extra coverage may not hold the same value. This scaled-back option covers the essentials affordably and it’s well-suited to a slower, more predictable routine.

Here are the most affordable insurers in Minnesota for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Cheapest full coverage in Minnesota for a 65-year-old

Minnesota seniors might opt for full coverage insurance to defend against winter road hazards and accidents. Preserving savings by limiting costly repairs can be crucial at this stage. Older adults often use their cars for daily travel and social outings, making comprehensive protection valuable.

These are the cheapest car insurance companies in Minnesota for 65-year-olds with full coverage, according to Jerry’s data.

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, at-fault accident or other citation.

Cheap car insurance for drivers with clean records in Minnesota

Minnesota drivers who maintain clean records often enjoy a broader range of insurance choices and lower prices. It shows that you consistently follow traffic laws and avoid risky behavior.

Here are the most affordable insurers in Minnesota for those with clean driving records, according to real quotes for Jerry customers.

Cheapest car insurance with a speeding ticket in Minnesota

In Minnesota, a speeding ticket may signal to insurers that you’re more likely to engage in unsafe driving. This could result in a reevaluation of your policy terms. While a single incident may not seem major, it still contributes to your overall profile as insurers pay close attention to these violations.

These are the cheapest car insurance companies in Minnesota for drivers with a speeding ticket, according to Jerry’s data.

Cheapest car insurance after an at-fault accident with no injury in Minnesota

An at-fault accident with no injuries in Minnesota still represents a moment of concern for insurers. Damage to property and vehicle repairs are still considered significant and these incidents may lead to changes in your rates. .

These are the cheapest car insurance companies in Minnesota for drivers with an at-fault accident with no injury, according to Jerry’s data.

Cheapest auto insurance after an at-fault accident with injury in Minnesota

If you're at fault for an accident that causes injuries, insurance providers may view you as a high-risk driver. Your premiums could rise and your coverage options may narrow and these incidents often stay on your record for years.

Below are the cheapest auto insurers in Minnesota for people with an at-fault accident with injury on their driving record.

Cheapest car insurance with a DUI in Minnesota

Minnesota treats DUIs as serious offenses with lasting consequences for your insurance profile. Insurers typically respond by increasing your premiums and applying stricter rules. Recovering to more favorable terms after a DUI can be difficult and time-consuming.

Here are the most affordable insurers in Minnesota for those with a DUI, according to real quotes for Jerry customers.

Average auto insurance costs for Minnesota drivers with other violations

Violations like failing to yield or reckless driving can impact your insurance over time as well. Insurers see repeated offenses as a pattern of unsafe behavior and each infraction contributes to your overall risk score. The fewer the violations, the more likely you are to secure favorable coverage.

Below are average car insurance costs in Minnesota for other driving violations.

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.

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

Cheapest car insurance data methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

On this page

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes