Minnesota drivers looking for the best car insurance company have strong choices among national and regional carriers. To help you compare, Reviews.com integrated current pricing benchmarks, market-share context, and independent satisfaction research. We considered pricing context from recent Minnesota rate analyses, consumer satisfaction trends, financial strength indicators, and the presence of leading national writers by market share (e.g., State Farm, Progressive, GEICO, American Family) as reported by NAIC via the Insurance Information Institute, alongside the latest insights from J.D. Power’s 2025 U.S. Auto Insurance Study.

The 4 Best Car Insurance Companies in Minnesota

To find the best Minnesota car insurance companies, our editorial team reviewed current Minnesota pricing context from reputable datasets and considered carriers with broad availability and strong fundamentals (market presence, financial strength, service). We also factored in third-party evaluations like J.D. Power’s 2025 study for satisfaction trends and NAIC-based market-share data summarized by the Insurance Information Institute. From there, we compared discounts, coverages, digital tools, and support to select four standout options.

• Geico: Best for Discounts 
• State Farm: Best for Safe-Driving Programs
• Auto-Owners: Best for Personalized Coverage 
• American Family: Best for Cheap Full Coverage

Compare the Best Car Insurance Companies in Minnesota

While these companies are our picks for the best in Minnesota, every driver’s price and fit will vary. Shopping around and comparing car insurance quotes remains the most reliable way to find value. Premiums have risen industry-wide in recent years; the U.S. Bureau of Labor Statistics’ Consumer Price Index shows elevated year-over-year increases for the motor vehicle insurance category, underscoring the importance of comparing multiple carriers and considering telematics if it fits your driving (BLS CPI table).

Table note: Values shown in the comparison table reflect the dataset used when it was originally compiled and are for historical context only. For current Minnesota pricing context and satisfaction trends, see Average Cost below and the latest studies from Bankrate (Minnesota), NerdWallet (Minnesota), The Zebra, and J.D. Power 2025.

*Premium figures in this table were modeled from a prior Bankrate dataset and are not current. Refer to the sources linked above for updated statewide and company averages.

**J.D. Power scores shown in this table correspond to historical results for the Central region (1,000-point scale). For the most recent satisfaction findings, see J.D. Power 2025 U.S. Auto Insurance Study.

*Premium amounts shown in mini-review metrics reflect historical sample rates. For current statewide estimates and methodology, see Bankrate Minnesota, NerdWallet Minnesota, and The Zebra.

**J.D. Power references in this section: historical table scores correspond to earlier Central-region results on a 1,000-point scale; for the most recent view of satisfaction and claims experience, see J.D. Power 2025 U.S. Auto Insurance Study and 2025 U.S. Auto Claims Satisfaction Study.

The Average Cost of Car Insurance in Minnesota

Based on recent statewide analyses, Minnesota’s average full-coverage premium generally falls in the mid-$1,700s to low-$1,900s per year, while state-minimum policies commonly range around $500–$700 per year. Methodologies vary by source and driver profile; for current estimates and assumptions, consult Bankrate’s Minnesota page, NerdWallet’s Minnesota hub, and The Zebra’s State of Auto Insurance. Premiums rose significantly in recent years, consistent with the elevated motor vehicle insurance CPI noted by the U.S. Bureau of Labor Statistics. Your price will still hinge on personal factors like age, driving history, vehicle, coverage limits/deductibles, credit tier, and location (urban ZIPs like Minneapolis–St. Paul typically price above the statewide average), as well as Minnesota’s required no-fault coverages (PIP and UM/UIM) that affect minimum-policy costs (Minnesota Department of Commerce).

Top 3 Cheapest Car Insurance Companies in Minnesota

*“Cheapest” varies by driver profile and methodology. Consult the linked Minnesota pages for up-to-date modeled averages and driver assumptions.

Top 3 Most Expensive Car Insurance Companies in Minnesota

*Rankings vary by source and the driver scenario used. Always compare multiple quotes to find your best price.

Top 3 Cheapest Cities for Car Insurance in Minnesota

*City averages depend on the source’s driver/vehicle assumptions and sample ZIPs. Urban areas often price above the statewide average; many rural ZIPs price below. See the linked sources for current Minnesota city comparisons.

Top 3 Most Expensive Cities for Car Insurance in Minnesota

*Amounts vary across datasets due to different driver profiles and timing. Use these as directional examples and verify current figures with the linked sources.

Key Things to Know About Car Insurance in Minnesota

Before buying a Minnesota car insurance policy, it helps to understand the state’s no-fault framework and mandatory coverages. Minnesota requires PIP, liability, and UM/UIM; these requirements influence minimum-coverage pricing. Severe winter weather and convective storms can also affect claims and premiums over time. For shopping guidance, the Minnesota Department of Commerce provides consumer resources (MN Commerce).

Minnesota Car Insurance Requirements

Minnesota requires that all drivers carry a car insurance policy with at least the following minimum coverage limits:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $10,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $25,000 underinsured motorist bodily injury per person
• $50,000 underinsured motorist bodily injury per accident
• $40,000 personal injury protection (PIP)

The $40,000 PIP minimum is split into $20,000 for medical expenses and $20,000 for nonmedical/economic loss per person, per accident, with statutory sublimits (Minn. Stat. § 65B.44). Liability and UM/UIM minimums are set in Minn. Stat. § 65B.49. While these are the legal floors, many drivers choose higher limits (e.g., 100/300/50 or more) for better protection. You could also consider full coverage (adding comprehensive and collision), which lenders typically require for financed or leased vehicles. For proof-of-insurance and compliance details, see Minn. Stat. § 169.791 and § 169.797.

Car Insurance Coverage Options

State minimum coverage may be appropriate for some drivers, but knowing what coverage options are available can help you make an informed choice about your insurance. Here are some commonly offered optional coverages that Minnesota drivers may want to consider:

• Comprehensive coverage: Required by most lenders/lessors and valuable even if you own your car outright, especially in areas with hail, wind, wildlife, or theft risks. Minnesota’s severe convective storms and winter hazards make comprehensive a frequent source of claims; OEM parts and calibration coverage can be relevant for newer vehicles (Mitchell Trends).
• Accident forgiveness: Still common but increasingly conditional (tenure, clean record, or telematics participation). Treat it as a priced perk rather than a substitute for safe driving; availability varies by carrier and state (Deloitte Insurance Outlook 2025).
• Car rental/transportation coverage: Repair cycle times and daily rental costs remain higher than pre‑pandemic levels; consider higher per‑day and aggregate limits (e.g., $40–$50/day and $1,200–$1,500 max where available) to avoid out‑of‑pocket gaps (CCC Crash Course 2025).
• Usage-based insurance (UBI): Participation continues to rise and can offset premiums for low‑risk driving patterns; clarity on how scores affect bills is key to maintaining satisfaction (J.D. Power 2025).
• GAP and new car replacement: With longer loan terms and higher amounts financed, GAP can protect against negative equity after a total loss; new car replacement is worth evaluating for recently purchased vehicles (Experian Automotive).
• Rideshare/delivery endorsements: Essential to close “Period 1” gaps when app‑on but no passenger; personal auto policies typically exclude livery without an endorsement (NAIC consumer guidance).

Frequently Asked Questions

Methodology 

Reviews.com evaluates insurers on affordability context, customer support, coverage options, third-party satisfaction indicators, digital tools, and financial strength. For Minnesota price context, we referenced current statewide averages from multiple reputable datasets to triangulate typical ranges and note methodology differences: Bankrate (Minnesota), NerdWallet (Minnesota), and The Zebra. For market presence, we used NAIC-based rankings as summarized by the Insurance Information Institute. For satisfaction and claims experience, we cited J.D. Power’s 2025 U.S. Auto Insurance Study and 2025 U.S. Auto Claims Satisfaction Study. Industry-wide price movement context was supported by the BLS CPI news release tables.

Historical premium values appearing in legacy tables were produced from earlier modeled datasets and are retained for context; they are not current. Where full-coverage details are referenced, a common benchmark profile across sources includes a 40‑year‑old driver with a clean record and typical full‑coverage limits/deductibles. City and company comparisons fluctuate by dataset and driver assumptions; therefore, we link directly to the latest Minnesota pages from the cited sources for the most current figures and methodology notes.

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, we reference Minnesota’s statutes and agency guidance. These are sample benchmarks; your actual premium will differ. Always verify AM Best financial strength ratings and current satisfaction results at the time you shop.

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