Cheap Car Insurance in Minnesota for July 2025

Written by Ben Moore and 2 others
Updated Jul 19, 2025
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Cheap Car Insurance in Minnesota for July 2025

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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.

To find the best car insurance in Minnesota, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Minnesota.

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $65 $777
Aspire Advantage $105 $1,262
National General $139 $1,664
Progressive $154 $1,851
The General $185 $2,222
Bristol West $197 $2,364
Dairyland $198 $2,372
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $148 $1,781
ROOT $203 $2,436
Electric $209 $2,512
Progressive $241 $2,895
National General $263 $3,160
Gainsco $273 $3,280
The General $390 $4,678
Bristol West $413 $4,951
Dairyland $479 $5,753
Last Updated Jul 17, 2025

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.

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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.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $430 $5,162
21-24 $286 $3,430
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $272 $3,261
Dairyland $305 $3,660
Bristol West $325 $3,894
Progressive $359 $4,302
National General $362 $4,348
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Dairyland $341 $4,090
The General $417 $5,007
Progressive $424 $5,088
National General $593 $7,121
Last Updated Jul 17, 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $256 $3,075
35-44 $209 $2,503
45-54 $185 $2,221
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $113 $1,351
Dairyland $124 $1,493
Progressive $126 $1,517
ROOT $128 $1,538
The General $141 $1,688
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $189 $2,274
National General $231 $2,772
The General $270 $3,238
Gainsco $273 $3,280
Dairyland $301 $3,609
Last Updated Jul 20, 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $152 $1,823
65+ $149 $1,793
Last Updated Jul 20, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $84 $1,003
The General $98 $1,171
National General $106 $1,271
Bristol West $116 $1,387
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bristol West $112 $1,349
Progressive $127 $1,522
National General $146 $1,754
The General $299 $3,587
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $129 $1,550
Progressive $166 $1,987
National General $169 $2,023
ROOT $203 $2,436
Bristol West $206 $2,476
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $124 $1,490
ROOT $128 $1,538
National General $205 $2,464
Progressive $221 $2,655
Gainsco $229 $2,747
Last Updated Jul 20, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $105 $1,262
ROOT $128 $1,538
Safeco $129 $1,542
National General $228 $2,740
Gainsco $229 $2,747
Last Updated Jul 17, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $150 $1,803
Dairyland $209 $2,506
Progressive $222 $2,666
The General $328 $3,939
Bristol West $374 $4,494
Last Updated Jul 20, 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $187 $2,244
National General $199 $2,393
The General $234 $2,804
Dairyland $244 $2,930
Bristol West $418 $5,019
Last Updated Jul 17, 2025

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.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $229 $2,754
Cell Phone $212 $2,544
Driving on Sus. License $415 $4,978
Eluding Police $543 $6,517
Failure to Obey Traffic Sign $267 $3,204
Last Updated Jul 20, 2025

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
Gainsco $100 $1,194
Electric $117 $1,402
ROOT $122 $1,466
Safeco $151 $1,809
Clearcover $188 $2,262
Last Updated Jul 17, 2025

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:

Compare car insurance quotes with Jerry.

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.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
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.