Auto Insurance in Minnesota

Minnesota’s auto insurance rates are on the low side — on average $1,516 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:

Average annual rate in Minnesota
$0 $5,000
North Carolina car owners pay the least
Average annual rate in the US
Michigan car owners pay the most

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Find the best auto insurance in Minnesota

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While you won’t find towering mountains in Minnesota, the landscape is still remarkably varied, with one of those 10,000 lakes seemingly around every bend in the road, and wide stretches of open field frequently broken up by the state’s many mid-sized and large cities. Drivers here must often contend with treacherous road conditions during the winter, and are even likely to face a tornado or otherwise vicious thunderstorm during the warmer months.

Minnesota Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

Minnesota requires you to maintain $30,000 in personal injury protection (PIP) insurance, $60,000 in additional accident coverage, and $10,000 in property damage protection (PDP) insurance. Unfortunately, those figures don’t meet the minimum recommended standards for insurance coverage, where you’re advised to maintain at least $50,000 in personal injury protection and $100,000 in additional accident coverage. Worse, experts say that to be truly covered, you should secure at least $100,000 in personal injury protection and $300,000 in additional accident coverage.

In 2013, the average auto insurance claim for property damage was $3,231, while the average claim for bodily injury was $15,443, says the Insurance Information Institute. While Minnesota’s required minimum will cover those average figures, they leave you open to significant financial liability for accidents that exceed those averages, especially if you’re sued by another driver who suffered damage or injury in that event. Accordingly, it’s important not to treat the average figures with too much reverence, as they come nowhere close to covering the worst circumstance. To keep yourself protected from the worst events, you’ll need to find an insurance company that can offer you a package providing the most coverage possible.

Cheapest Car Insurance in Minnesota

Yearly Rate

  • $1,852
  • $1,034
    American Family
  • $1,467
  • $1,699
  • $1,344
    State Farm

If finding affordable car insurance is your top priority, have a look at the companies listed here. We’ve found that they usually offer some of the cheapest rates around, so they’re a good choice if a low-cost plan is what you’re looking for.

However, remember that focusing only on cheap insurance plans often requires a trade-off. It’s very likely that the cheapest plans will come at the expense of customer service and the ease with which you can file a claim.

Cheap plans usually come from large corporations, who may not be intimately familiar with the needs of Minnesota drivers. So when your budget is the most important factor, it’s safe to start with these companies, but make sure to request quotes from other providers who may offer better service at a similar price.

Where is car insurance most affordable?

In general, most large cities in Minnesota have average car insurance rates that stick closely to the state average, usually within $200 of that amount.

The exceptions are Saint Paul and Minneapolis, both the largest cities in Minnesota by population, and also the most expensive for average car insurance rates.

Beyond that, there are few noteworthy patterns to be found in geography or population density where insurance rates are concerned. That’s why you’ll need to do the groundwork of requesting quotes from a variety of companies to figure out what the insurance market is like in any given city.

Bloomington Auto Insurance

Population: 85,172

Originally intended to be a household suburb of Minneapolis, this city of 85,000 quickly came into its own, and now maintains a vibrant local economy, anchored around the iconic Mall of America. Average insurance rates here are lower than the Minnesota average, generally by around $100. However, rates will vary, so make sure you request a quote from insurance companies to see how your driver profile will affect the cost.

Brooklyn Park Auto Insurance

Population: 78,373
Brooklyn Park

Residents in this city of 78,000 enjoy quite a few green views from their car windows, as Brooklyn Park is an official “Tree City USA,” and maintains nearly 50 miles of trails and nearly 70 award-winning parks. When it comes to auto insurance rates, Brooklyn Park is ever-so-slightly cheaper than the state average, often by around $10.

Burnsville Auto Insurance

Population: 60,220

With 60,000 residents, this city in southeast Minnesota has its roots in a vibrant community of Irish farmers who settled here in the nineteenth and early twentieth centuries. These days, you’ll find plenty of drivers headed towards the Burnsville Center shopping mall or one of the area’s many wildlife recreational areas. Insurance rates in Burnsville are relatively cheap, generally around $140 less than the state average.

Coon Rapids Auto Insurance

Population: 61,607
Coon Rapids

This suburb of Minneapolis is home to about 62,000 residents, and was once a thriving shipping hub along the Mississippi River between Minneapolis and surrounding cities. Residents of Coon Rapids can enjoy average insurance rates that are a bit cheaper than the state average, usually by around $50. But as rates from different companies vary, you need to shop around to find the best rate.

Duluth Auto Insurance

Population: 86,918

With more than 86,000 residents, Duluth is the largest U.S. city on Lake Superior, and was once a bustling hub for steamer traffic and other shipping concerns in the Great Lakes region. It remains a hot spot for tourism, with attractions like the Great Lakes Aquarium drawing in visitors from around the world. Average rates for car insurance in Duluth are cheaper than the state average, typically by around $100.

Eagan Auto Insurance

Population: 63,557

Eagan was originally an Irish farming community, and later became a boomtown tied to the local fishing industry. Today, many of its 64,000 residents commute to nearby Minneapolis-St. Paul for work, so securing good car insurance should be your top priority. Average insurance rates in the city are below the state average, generally around $120 cheaper.

Eden Prairie Auto Insurance

Population: 54,901
Eden Prairie

This city of 55,000 residents sits on the Minnesota River, and features a huge variety of lakes and ponds, laced with many parks, trails, and other recreational areas. Average insurance rates in Eden Prairie are lower than the state average, often by around $150. However, rates will vary based on your driver profile, so be sure to request quotes from multiple companies to find the best fit for you.

Minneapolis Auto Insurance

Population: 400,070

As the larger half of the Minneapolis–St. Paul Metropolitan Area, this city of 400,000 is the heart of Minnesota’s urban landscape. Its residents enjoy an active urban lifestyle, and the local economy is driven by the city’s status as a transportation hub, tied to the Minneapolis–St. Paul International Airport. Like in St. Paul, average insurance rates in Minneapolis are higher than the state average, usually by around $100.

Minnetonka Auto Insurance

Population: 51,301

This suburb of Minneapolis sees many of its 51,000 residents commuting to the Minneapolis–St. Paul Metropolitan Area, so you’ll want to make sure you’re well covered by auto insurance as you drive its roadways. Fortunately, average insurance rates in the city are significantly lower than those in the nearby metropolis, and lower than the state average by around $140.

Plymouth Auto Insurance

Population: 65,894

With nearly 66,000 residents, Plymouth is the seventh largest city in Minnesota, and has an archaeological history that can be traced all the way back to the fifteenth century. Today, its residents enjoy an average auto insurance rate that’s below the state average by around $130. As rates vary depending on the driver’s profile, shop around to find the insurance package that best fits your requirements.

Rochester Auto Insurance

Population: 110,742

With more than 110,000 residents, Rochester is the third largest city in Minnesota, and has seen its share of disasters throughout its history. These include, among others, the Great Tornado of 1883 and a major flood in 1978 that inspired a massive civic engineering flood control effort. So it’s not a surprise that residents of this city are very familiar with the need for insurance. Fortunately, average auto insurance rates here fall well below the state average, sometimes by as much as $200.

Saint Cloud Auto Insurance

Population: 59,107
Saint Cloud

As the largest city in central Minnesota, Saint Cloud is home to 191,000 residents. Its central location means drivers here are very familiar with the region’s roadways, and average insurance rates fall just below the state average. However, those rates can vary widely according to your driver profile, so secure quotes from many companies to make the best decision for your needs.

Saint Paul Auto Insurance

Population: 294,873
Saint Paul

While it’s the smaller member of the Minneapolis-St. Paul Metropolitan Area, this city of 294,000 remains a vibrant, bustling metropolis. With countless visitors coming through the Minneapolis–St. Paul International Airport, and thousands of regional commuters arriving every day from the surrounding area, drivers in Saint Paul know how important auto insurance is. Average insurance rates are above the state average, often by more than $200, making this the most expensive city for car insurance in Minnesota.

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