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The Best Minnesota Auto Insurance Company

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    Reviews Report

    • Geico is the best car insurance company in Minnesota, scoring a 5 out of 5 based on discounts, customer satisfaction, resources, and more.
    • The average car insurance premium in Minnesota is slightly higher than the national average at $1,622
    • The best Minnesota car insurance companies have plenty of discounts, additional coverage options, and at least average customer satisfaction ratings.

    In 2020, Minnesota had 364 fatal traffic accidents, the same number as of 2019. According to the Department of Public Safety, Minnesotans generally drive smart, but the lighter traffic during the recent pandemic has allowed many people to ignore speed regulations, resulting in crashes and fatalities. This makes it imperative to have sufficient car insurance coverage to protect you and your vehicle.

    Most major car insurance companies operate in the North Star state but we have narrowed down the companies for the best auto insurance in Minnesota to five, based on pricing, discounts, coverage options and overall customer satisfaction. 

    The 5 Best Auto Insurance Companies in Minnesota

    • Geico: Best Minnesota Car Insurance for Discounts 
    • State Farm: Best Minnesota Car Insurance for Premium-Saving Programs
    • Auto-Owners: Best Minnesota Car Insurance for Customer Service
    • American Family: Cheapest Full Coverage Auto Insurance in Minnesota
    • Nationwide: Best Car Insurance Coverage Options in Minnesota

    Compare the Best Car Insurance Companies in Minnesota

    Full Coverage Annual Premium* State Minimum Annual Premium* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$2,089.53$748.634.6A++845
    Pin State Farm$1,697$826.124.8A++847
    Pin Auto Owners$1,615.48$600.014.6A++815
    Pin American Family$1,274.48$719.814.2A845
    Pin Nationwide$2,138.83$964.484A+798

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power’s 2021 Auto Insurance Satisfaction Study for the Central region. Based on a 1,000-point scale.

    Geico

    Best for Discounts

    Why we chose it

    Geico offers standard coverage at low rates with superior online tools for all customers
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $748,63* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 845** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers standard coverage at low rates with superior online tools for all customers

    Pros

    • Various ways to save
    • Strong financial rating
    • Higher than average customer satisfaction

    Cons

    • Limited local agents
    Read More

    Types of Coverage Offered

    • Personal injury protection
    • Rental reimbursement
    • Roadside assistance
    • Collision and comprehensive

    Discounts Available

    • New vehicle
    • Safety features
    • Federal employee
    • Emergency deployment
    • Multi-policy and vehicle

    More Geico Insurance Reviews

    State Farm

    Best for Premium-Saving Programs

    Why we chose it

    State Farm’s Drive Safe & Safe and its Steer Clear programs help young drivers save on their premiums as well as all drivers learn how to drive safer.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $826.12* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 847** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm’s Drive Safe & Safe and its Steer Clear programs help young drivers save on their premiums as well as all drivers learn how to drive safer.

    Pros

    • Valuable online tools and resources
    • Local agents always available
    • Solid financial strength and claims satisfaction

    Cons

    • No gap insurance offered
    • Not always the cheapest premiums
    • Few additional options
    Read More

    Types of Coverage Offered

    • Rideshare coverage
    • Travel expenses
    • Uninsured/underinsured motorist protection
    • Roadside assistance

    Discounts Available

    • Driver training
    • New vehicle
    • Bundling policies
    • Multi-vehicle Military deployment
    • Safe driver

    More State Farm Insurance Reviews

    Auto-Owners Insurance

    Best for Customer Service

    Why we chose it

    Auto-Owners is ranked highly in customer satisfaction in Minnesota with J.D. Power, making it an excellent choice for drivers who want friendly reps and no-fuss claims.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $600.01* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 845** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-Owners is ranked highly in customer satisfaction in Minnesota with J.D. Power, making it an excellent choice for drivers who want friendly reps and no-fuss claims.

    Pros

    • Noteworthy customer service
    • Local agents aplenty
    • Quick claims processing

    Cons

    • Limited digital tools
    • No online quote
    • No online claims filing
    Read More

    Types of Coverage Offered

    • Collision and comprehensive
    • Personal injury protection
    • GAP insurance
    • Uninsured/underinsured motorist protection
    • Rental expenses coverage

    Discounts Available

    • Paperless billing
    • Teen driver
    • Safety features
    • Policy bundling
    • Safe driver

    More Auto-Owners Insurance Reviews

    American Family

    Cheapest Full Coverage Insurance

    Why we chose it

    Compared to its competitors, American Family offers the most affordable full coverage and plenty of car insurance discounts in Minnesota.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $719.81 Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 839** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Compared to its competitors, American Family offers the most affordable full coverage and plenty of car insurance discounts in Minnesota.

    Pros

    • Lifetime guarantee at partnered repair shops
    • Several discounts available
    • Cheap full coverage

    Cons

    • Below average customer satisfaction scores
    • Minimum coverage more expensive than competitors
    • Only available in select states
    Read More

    Types of Coverage Offered

    • Emergency road service
    • Personal injury protection
    • GAP insurance
    • Accidental death & dismemberment
    • Rental expenses coverage
    • Uninsured/underinsured motorist protection

    Discounts Available

    • Multi policy
    • Early bird
    • Defensive driver
    • Low mileage
    • Good driver

    More American Family Insurance Reviews

    Nationwide

    Best for Coverage Options

    Why we chose it

    Aside from the standard offerings, Nationwide provides drivers with several add-ons to cover specific car insurance needs.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $964.48* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 798** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Aside from the standard offerings, Nationwide provides drivers with several add-ons to cover specific car insurance needs.

    Pros

    • Variety of add-ons and endorsements
    • Accident forgiveness
    • Vanishing deductible credits available

    Cons

    • Average customer satisfaction rating
    • Only 6-month policies available
    Read More

    Types of Coverage Offered

    • Roadside assistance
    • Accident forgiveness
    • Gap insurance
    • Total loss waiver
    • Rental reimbursement
    • Towing and labor

    Discounts Available

    • SmartMiles
    • SmartRide
    • Defensive driving course
    • Accident-free
    • AutoPay
    • Multi-policy

    More Nationwide Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Minnesota

    Compared to the national average of $1,555, drivers in Minnesota pay a slightly higher premium of $1,622 annually in car insurance. However, this rate is not the same for everyone, since car insurance premiums largely depend on personal demographics, such as age, city of residence, type of car, and driving record. Climatic conditions also play a role in the cost of auto insurance. Minnesota faces harsh winters, tornadoes, and floods, which raises insurance premiums because of the risk of weather damage. Depending upon population density, some cities have cheaper rates than others.

    Top 3 Cheapest Car Insurance Companies in Minnesota

    CompanyAverage Annual Premium
    Western National$482.46
    North Star $492.89
    West Bend Mutual$593.67

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Minnesota

    CompanyAverage Annual Premium
    Allstate$1,084.39
    Nationwide$964.48
    USAA$877.94

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Minnesota

    CityAverage Annual Premium*
    Thief River Falls$793.28
    Detroit Lakes$796.20
    Fairmont$803.70

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Minnesota

    CityAverage Annual Premium*
    St. Paul$1,398.95
    Minneapolis$1,366.98
    Brooklyn Center$1,340.62

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Minnesota Car Insurance: What You Need to Know

    It is mandatory for every driver to have insurance in Minnesota. But before hastily purchasing car insurance, it is important to consider the factors that influence the premiums. Do you drive a brand new model or an old car? Are you an unmarried driver under 25, a homeowner or live in a neighborhood prone to theft? What does your driving record look like? All of these combine to affect your annual car insurance cost. In Minnesota, climate, rate of traffic accidents, insurance fraud, and uninsured motorists negatively influence car insurance prices. Living in crowded cities with a higher chance of theft and vandalism might also be responsible for steeper premiums.

    Minnesota Minimum Insurance Requirements

    The minimum car insurance requirements in Minnesota are 30/10/40 and all drivers need to comply. Since this is a tort state, basic insurance must include the following:

    • $30,000 per person and $60,000 per accident in bodily injury liability 
    • $10,000 in property damage liability 
    • $40,000 in personal injury protection 
    • $25,000 per person and $50,000 per accident in uninsured/underinsured  motorist coverage

    Failure to show proof of sufficient coverage can result in fines, license suspension, and invalidation of the vehicle’s registration.

    Minnesota’s No-Fault Law

    The land of the 10,000 Lakes is a no-fault state when it comes to car insurance. This means that in case of a traffic accident between two or more vehicles, the respective insurance companies have to pay the claim regardless of who was at fault. Although this reduces the chances of lawsuits and other legal complications, it significantly increases insurance cost since PIP coverage is mandatory. 

    Additional Car Insurance Coverage in Minnesota

    Motorists in Minnesota might feel secure with only liability coverage, but keep in mind that the minimum coverage does not fully protect the insured. While it is going to pay the bills of the other party if you are ever involved in a traffic accident, it will not cover your own expenses. Therefore, having full coverage is often necessary, especially if you have a new, expensive vehicle or an auto loan or live in a city with high-risk drivers. Some of the coverages you could consider adding to your policy include:

    • Collision coverage: Pays for damages you suffer if you crash with another vehicle.
    • Comprehensive coverage: Pays for weather damage, theft, and vandalism.
    • Gap insurance: Pays for the outstanding auto loan amount if your financed car is stolen or totaled.

    Minnesota Car Insurance FAQ 

    Methodology 

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Minnesota, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Minnesota, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Cynthia Widmayer Contributing Writer

    Cynthia Widmayer is an insurance and personal finance writer featured in The Simple Dollar, Bankrate, and Coverage.com among others. She holds a master’s degree in journalism from the University of London.

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