Cheapest car insurance in Minnesota (2026)
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Scout's quick take
- Cheapest liability we found: State Farm at $38/mo for a clean-record 35-year-old
- Minnesota average runs 6% above national: $61/mo liability, $212/mo full coverage
- State minimum is 30/60/10; driving uninsured risks fines, license suspension, and SR-22 requirements
BudgetAutoRates affordability gauge: Minnesota premiums vs state median income. Local claim costs and pricing pressure keep the needle out of the green.
Cheapest companies in Minnesota, compared
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $38 | $131 | Overall cheapest |
| GEICO | $41 | $144 | Digital-first drivers |
| Progressive | $48 | $167 | High-risk / SR-22 |
| Allstate | $56 | $195 | Bundling home + auto |
| Farmers | $61 | $212 | Agent relationships |
| Liberty Mutual | $66 | $231 | Custom coverage add-ons |
Illustrative estimates for a clean-record 35-year-old, built from public rate benchmarks and our cost model, not quotes; see our methodology.
Where does your ZIP land?
Premiums swing ZIP to ZIP, so start with five digits.
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Minnesota rates run 6% high. Yours doesn't have to. Let Scout hunt for lower.
Compare Minnesota RatesMinnesota minimum coverage: 30/60/10
Minnesota requires liability coverage on every registered vehicle. The legal floor:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $10,000 property damage per accident
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $10,000 to replace, so one at-fault accident can outrun your property-damage limit.
No-fault state: PIP and UM/UIM required.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Rates by city
Premiums swing inside Minnesota: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address. The largest metros in our Minnesota sample:
Minnesota questions, answered
Why is car insurance in Minnesota expensive?
Rates in Minnesota run about 6% above the national average, at about $61/mo for liability and $212/mo for full coverage. Traffic density, weather claims, repair costs, and uninsured drivers all feed into local pricing, and comparing 3 or more quotes is the fastest way to come in under the state average.
What happens if I drive uninsured in Minnesota?
Penalties for driving without required coverage in Minnesota typically include fines, license and registration suspension, SR-22 filing requirements, and reinstatement fees, with exact amounts set by state law. A minimum-coverage policy usually costs less than the penalties. Verify current penalties with the Minnesota Department of Insurance, then let Scout find a policy that beats the paperwork.
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