Cheap Auto Insurance In Minnesota: Best Options

Minnesota's auto insurance rates are determined by a number of factors, including age, driving history, and location. The average cost of car insurance in Minnesota is $1,460 per year or $121 per month, which is slightly cheaper than the national average. The cheapest car insurance in Minnesota will meet the state's minimum requirements for liability coverage. The statewide average rate for low coverage is $1,436 annually. The cheapest option for Minnesota's minimum coverage is State Farm, with an average annual rate of $1,010.

Cheapest full coverage: State Farm

State Farm offers the best cheap car insurance in Minnesota, with full coverage costing $105 per month, or $1,048 per year, on average. This is 33% cheaper than the state average.

The average cost of full coverage car insurance in Minnesota is $157 per month.

The average cost of full coverage car insurance in Minnesota for a 35-year-old driver is $1,460 per year, or $122 per month.

The average cost of full coverage car insurance in Minnesota for a 17-year-old male driver is $4,411 per year, or $368 per month.

The average cost of full coverage car insurance in Minnesota for a 17-year-old female driver is $3,733 per year, or $311 per month.

The average cost of full coverage car insurance in Minnesota for a 25-year-old male driver is $1,790 per year, or $149 per month.

The average cost of full coverage car insurance in Minnesota for a 25-year-old female driver is $1,682 per year, or $140 per month.

The average cost of full coverage car insurance in Minnesota for a 60-year-old male driver is $1,270 per year, or $106 per month.

The average cost of full coverage car insurance in Minnesota for a 60-year-old female driver is $1,228 per year, or $102 per month.

Cheapest for teens: Auto-Owners

Auto-Owners Insurance offers the cheapest car insurance for teens in Minnesota. The average annual rates for 17-year-old female and male teen drivers are $3,733 and $4,411, respectively. Auto-Owners Insurance offers the cheapest rates for both female and male teens, with an average annual rate of $2,440 and $3,109, respectively.

The average cost of full coverage car insurance in Minnesota is $1,696 per year, or $141 per month. Minnesota teens pay relatively high car insurance rates. However, as young drivers age and practice safe driving habits, rates gradually decrease.

Cheapest for young adults: American Family

American Family offers the cheapest car insurance for young adults in Minnesota, with an average annual rate of $892. This is significantly lower than the state average of $2,789 per year for drivers of the same age.

American Family also offers the cheapest full coverage car insurance in Minnesota, with an average annual rate of $882. This is much lower than the state average of $2,463 per year for similar coverage.

Young adults in Minnesota can also find affordable car insurance from Iowa Farm Bureau, with an average annual rate of $1,145.

Cheapest for seniors: State Farm

State Farm is the cheapest option for seniors in Minnesota, with an average annual rate of $1,027 for a 60-year-old married man and woman. The average rate for senior drivers in Minnesota is $1,249 per year, so State Farm's rate is significantly lower.

State Farm also offers various discounts that can further reduce the cost of car insurance for seniors. For example, seniors who have had no moving violations or at-fault accidents in the past three years may be eligible for the Good Driving Discount. Seniors who complete a defensive driving course may also be eligible for a discount of up to 10% on applicable coverages.

In addition to offering competitive rates, State Farm is known for its strong customer service and convenient claims process. The company has a network of local agents across Minnesota who can provide personalized service and help customers find the right coverage for their needs.

Overall, State Farm is a great option for seniors in Minnesota who are looking for affordable and reliable car insurance.

Cheapest for sports cars: American Family

American Family Insurance is a mid-level insurance company that offers affordable, comprehensive auto coverage. It is available in 19 states, including Minnesota.

The company offers a wide range of auto insurance coverage, including:

• Property damage liability
• Bodily injury liability
• Rental reimbursement
• Emergency road service
• Accidental death coverage
• Comprehensive coverage
• Collision insurance coverage
• Lease and loan insurance
• Underinsured motorist coverage
• Uninsured motorist coverage
• Diminishing deductible auto insurance
• 24/7 emergency roadside assistance
• Rental car reimbursement coverage
• Accident forgiveness coverage
• Travel peace of mind car insurance
• Commercial car insurance

American Family also offers bundling discounts, so you can combine your car and home policies to save up to 29% on auto coverage and 20% on homeowners insurance.

The company's average car coverage rates range from $1,328 to $1,412 per year. A 25-year-old man would pay, on average, $1,695 annually, while a 35-year-old woman would pay $1,322. A 60-year-old man would pay around $1,228.

American Family also offers various discounts to help you save on your premium, including:

• Multi-vehicle discount
• Multi-policy discount
• Loyalty discount
• Early bird discount
• Carrier switch discount
• Auto safety equipment discount
• Defensive driver discount
• Good driving discount
• Low mileage discount
• Pay-how-you-drive program
• Good student discount
• Student away at school discount
• Young volunteer discount
• Generational discount
• Auto-pay discount
• Full-pay discount
• Paperless discount

Frequently asked questions