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Cheapest Car Insurance Rates In Minnesota (2018)

It shouldn’t be hard to find cheap car insurance in Minnesota that fits your particular needs. Unfortunately, with dozens of companies advertising their low rates, identifying the best policy can be a tedious and time-consuming endeavor.

To reduce the hassle, our Geeks analyzed the insurance rates of nine leading providers to noodle out the best quotes for the following four types of drivers:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$106/month estimate

$217/month estimate

Safe drivers are those who have proven themselves to be a very low liability by avoiding accidents for many consecutive years. If you’re statistically less likely to file a claim, your car insurance rates should be much cheaper than drivers who have a spotted traffic record. In our study, we used a hypothetical 29-year-old male and female driver who commuted 12,000 miles total each year.

Best Rates For Teen Drivers

$137/month estimate

$174/month estimate

Insurers are well aware that teenagers cause a disproportionately high number of accidents due to their inexperience behind the wheel. If you’re looking for low auto insurance rates in Minnesota for young or teenage drivers, our researchers suggest that you get quotes from Allstate and State Farm.

Best Rates For Drivers With An OWI Or DUI

$/month estimate

$351/month estimate

Being convicted of an OWI or DUI has far-reaching consequences that continue to be a nuisance long after your case is over. One of the most taxing penalties of an OWI is being required to pay more for car insurance. If you need to find cheap auto insurance in Minnesota after being convicted of OWI, consider getting a quote from one of the insurers listed above.

Best Rates For Senior Drivers

$/month estimate

$199/month estimate

The senior motorist in our test was 65 years old, had a clean recent driving history with no major infractions, and commuted 4,000 miles annually. Progressive was found by our researchers to have the best auto insurance rates for seniors in Minnesota.


The driver in the “OWI” and “No Recent Crashes” categories of our research was 29 years old and drove 12,000 miles per year. A 2014 Toyota Corolla was the vehicle used in our analysis. We averaged the rates of males and females from five zip codes in Minnesota to determine the cheapest car insurance rates. Our teen driver estimates are based on the state’s minimum required coverage but for all other driver types, we used liability limits of 50/100/25 and equal limits for uninsured motorist (UM) coverage.

How Much Auto Insurance Coverage Are Drivers In Minnesota Required To Purchase?

Drivers in Minnesota are required to carry auto insurance that would cover $30,000 for bodily injury to one individual, $60,000 for bodily injury in one wreck, and $10,000 for damage to property. Uninsured Motorist Bodily Injury Coverage is also required with minimum limits of $25,000 per individual and $50,000 per collision.


cheapest car insurance in minnesota

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