Find the Best Car Insurance Quotes & Options in Minnesota
Average car insurance rates in Minnesota this year are $1,222 annually. Overall, Minnesota ranks number 29 of all states in the country for car insurance prices, which is right around the middle of the pack. The current US average for car insurance is $1,311 per year. Since drivers in Minnesota can save a bit of money on their coverage compared to the national average, they might want to consider building out a car insurance policy that includes more than just the state's minimum requirements.
A Minnesota independent insurance agent can assist you in building the right car insurance policy. They can help you add every type of coverage you need. But up first, here's a closer look at car insurance in Minnesota.
Best Car Insurance Companies in Minnesota
While you can get car insurance from many different companies in Minnesota, you want to start by browsing only the best options. So we put together a list of just some of the best car insurance companies in Minnesota for your convenience. We broke it down by category and type, including the best car insurance companies in Minnesota for minimum liability coverage, full coverage, young drivers, drivers with accident histories, and the best overall. Start off your coverage journey by checking out these top-rated Minnesota car insurance companies.
- Best Minnesota car insurance company overall: Auto-Owners
- Best Minnesota car insurance company for minimum liability: Westfield
- Best Minnesota car insurance company for full coverage: Auto-Owners
- Best Minnesota car insurance company for young drivers: Nationwide
- Best Minnesota car insurance company for accident history: American Family
A Minnesota independent insurance agent can provide you with quotes and coverage options from these top-rated carriers.
Best Minnesota Car Insurance Company Overall: Auto-Owners
Our first choice for the best Minnesota car insurance company overall is Auto-Owners. Auto-Owners provides some of the cheapest auto insurance premiums in the state overall. Additionally, the insurance company has earned high ratings from customers and agencies alike, which easily secures them our spot in this category.
Originally founded in 1916, Auto-Owners has more than a century's experience in the industry. Auto-Owners is a Fortune 500 company. The carrier offers coverage in 26 states across the US. In terms of financial size, AM Best places the carrier in the $2 billion or greater category. AM Best also gives Auto-Owners the highest available rating (“A++") for financial strength.
|Average Monthly Insurance Cost: Full Coverage Policy||Average Annual Insurance Cost: Full Coverage Policy|
Best Minnesota Car Insurance Company for Minimum Liability: Westfield
Our first choice for the best Minnesota car insurance company for minimum liability coverage only is Westfield. With Westfield, drivers in Minnesota can easily obtain a car insurance policy that satisfies the state's minimum coverage requirements at an affordable rate. A minimum liability car insurance policy from Westfield starts at about $314 per year in Minnesota.
Westfield was founded in 1848, and has quite a bit of experience under its belt. The carrier's long-standing history and massive size have helped it earn a reputation as a stable company. The insurance company currently provides personal insurance in 10 states, commercial insurance in 21 states, and surety products in 50 states. Westfield works with a network of more than 1,000 leading independent agencies.
AM Best places Westfield in the $2 billion or greater financial size category. AM Best also gives Westfield Insurance an “A” or "excellent" financial strength rating overall.
|Average Monthly Insurance Cost: Minimum Liability-Only||Average Annual Insurance Cost: Minimum Liability-Only|
Best Minnesota Car Insurance Company for Full Coverage: Auto-Owners
Our first choice for the best Minnesota full-coverage car insurance company goes to Auto-Owners. A "full coverage" auto insurance policy includes not just the state's minimum required coverages, but also optional coverages like collision, comprehensive, personal injury protection, and more. Auto-Owners helps make these fuller policies affordable for residents of Minnesota. A full coverage auto insurance policy from Auto-Owners starts at about $115 per month.
|Average Monthly Insurance Cost: Full Coverage Policy||Average Annual Insurance Cost: Full Coverage Policy|
Best Minnesota Car Insurance Company for Young Drivers: Nationwide
Our first choice for the best Minnesota car insurance company for young drivers like teens and students goes to Nationwide. Several discounts are available through Nationwide for young drivers and families who have student drivers on their car insurance policies. While coverage is still more expensive than other policies, Nationwide offers car insurance at rates of $1,850 per year for male teens and $1,742 per year for female teens.
Nationwide has been in the insurance industry for almost a century, having been founded in 1925. The insurance carrier has grown from a small car insurer to one of the largest insurance and financial services companies across the world. Nationwide now has more than 10,000 employees.
AM Best places Nationwide in the $2 billion or greater category financial size category. AM Best also awards Nationwide an "A+" or superior rating overall for financial strength. Nationwide also earned an impressive 876 out of 1,000 points on J.D. Power's Customer Satisfaction Survey recently.
|Average Monthly Insurance Cost: Families with Teen Drivers||Average Annual Insurance Cost: Families with Teen Drivers|
Best Minnesota Car Insurance Company for Accident History: American Family
Our first choice for the best Minnesota car insurance company for drivers with accident histories is American Family. As many drivers know, after just one accident, car insurance premiums can increase noticeably. However, American Family helps keep car insurance rates affordable, even after an incident. Average car insurance rates for drivers with at least one accident on their records from American Family start at just $828 per year in Minnesota.
American Family was founded in 1927, giving them nearly a century's experience in the industry. Now, American Family is the country’s 13th-largest property and casualty insurance provider. The carrier offers coverage in 19 states. About 2,400 independent insurance agents are employed by American Family.
AM Best gives American Family Insurance an “A” or "excellent" rating for financial strength. Overall, customers can trust American Family to deliver quality coverage and remain in the industry for years to come.
|Average Monthly Insurance Cost: Drivers with Poor Records||Average Annual Insurance Cost: Drivers with Poor Records|
Minnesota Car Insurance Requirements
Minnesota's state laws dictate that all drivers must carry certain forms of car insurance before they can legally hit the road. Failure to provide proof of car insurance when driving can result in harsh penalties like state fines or worse. According to Minnesota law, all drivers must have at least:
- Bodily injury liability: In Minnesota, this coverage is required in the amounts of $30,000 per person and $60,000 per accident. Coverage pays the costs of medical treatment to another driver and their passengers after an accident you're at fault for.
- Property damage liability: In Minnesota, this coverage is required in the amount of $10,000 per accident. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fence, etc., if you damage it with your car.
- Uninsured motorist coverage: In Minnesota, this coverage is required in amounts of $25,000 per person and $50,000 per accident. Coverage pays for the damage to your vehicle or medical treatments if another driver causes a collision and doesn't have any or enough insurance of their own.
- Personal injury protection: In Minnesota, this coverage is required in the amount of $40,000. Coverage pays for your own medical expenses after an accident you're at fault for.
Optional car insurance coverages in Minnesota:
- Collision: Pays for damage to your car from a collision with another driver, regardless of fault.
- Gap coverage: Pays the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
- Roadside assistance: Pays for towing services if you break down on the side of the road.
- Comprehensive: Pays for expenses after incidents of threats other than collision, including incidents with large animals, windshield breaks, and more.
- Rental car reimbursement: Pays for a rental car after a covered accident.
A Minnesota independent insurance agent can help you find exactly the type of car insurance you're looking for.
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Average Cost of Car Insurance in Minnesota
On average, car insurance costs $1,222 per year in Minnesota. The current national average is $1,311 per year, so Minnesota drivers can save a bit on their premiums in comparison. The state ranks 29th overall for car insurance rates in the nation, falling in just about the middle of the pack. Keep in mind, though, that car insurance rates can vary based on many different factors, including the coverages you need and which carrier you purchase them through. Full coverage auto insurance in Minnesota starts at about $115 per month from more affordable carriers like Auto-Owners.
Average Minnesota Car Insurance Costs by City
The cost of your car insurance doesn't just vary by state, but also by your city. A town's car values, traffic and crime rates, risk of storm damage, and more all impact the cost of car insurance. In Minnesota, drivers in the town of St. Paul pay the most for coverage, at an average of $1,909 per year, which is the highest in the state. On the other hand, drivers in the town of Rochester only pay about $966 annually for coverage, which is the lowest in the state.
Finding Car Insurance Discounts in Minnesota
Car insurance discounts are readily available from most carriers in Minnesota. The specific discounts offered may vary from carrier to carrier, though. Be on the lookout for some of these common car insurance discounts in Minnesota:
- Paperless billing: Given to customers who sign up for paperless billing statements.
- Safe driver: Given to drivers with a clean track record with no accidents or traffic violations over the past few years.
- Student driver: Given to customers with households that have a student driver.
- Military: Given to active or even retired military members.
- Anti-theft devices: Given to customers whose vehicles are equipped with anti-theft devices that add to their security, such as an alarm.
- Other: Given when a customer belongs to a certain organization such as a union, group, or the government, or is a teacher, they may earn an additional discount on car insurance premiums.
Your Minnesota independent insurance agent will automatically search for any car insurance discounts you qualify for when you purchase coverage.
How to Find the Best Car Insurance Quote in Minnesota
By working together with an independent insurance agent, you're set up to find the best car insurance quote in Minnesota. These agents browse tons of different car insurance companies, looking for the best rates matched with quality coverage. They'll present you with only quotes for the best possible options after doing their research, which saves you time and money. Work together with a Minnesota independent insurance agent to find the best car insurance quote in your city today.
How to File a Car Insurance Claim in Minnesota
Filing a car insurance claim in Minnesota is extremely simple, especially when you let your independent insurance agent handle it for you. If you ever choose to file by yourself, there are just a few easy steps you can take. Follow this guide if you ever have to file a car insurance claim in Minnesota.
- Contact authorities ASAP: Call the police to report the accident first, ideally right from the scene.
- Treat injuries: Get medical treatment for those who need it next.
- Call your agent: Contact your Minnesota independent insurance agent to get the claims process rolling.
- Get a rental: If you're in need of a rental vehicle while yours is in the shop, arrange for this with your carrier.
- Schedule an evaluation: Though your agent can likely handle this for you, you can also call your insurance company directly and schedule a visit from an insurance adjuster to evaluate the damage.
Follow this guide to file a car insurance claim in Minnesota to help keep things simple. Your Minnesota independent insurance agent can help keep you updated every step of the way, as well.