On average, Minnesota drivers pay about $1,250 a year for insurance coverage and this is slightly below the average rate across the entire U.S. This doesn't necessarily that your current rates are as low as they could be, however.
With so many companies selling car insurance in Minnesota, there is a wide variation in price. Insurance companies all have a "preferred" insured who would qualify for their lowest rate, but the profile is different for every company.
For example, State Farm may have the lowest rates for a 35-year-old female driver with perfect credit, is a homeowner, and drives less than 10,000 miles a year. Whereas GEICO may offer the lowest rates to a 45 to 55-year-old male driver who has no traffic violations, a good credit history, and no claims. Then there's Allstate, Farmers, Progressive, Liberty Mutual, and on and on.
There is no way to know which company will offer you the best rates because of all the different criteria that go into determining car insurance prices. The only way to find out which company has the best price for your particular situation is to quote and compare prices from all companies using the same coverages and limits for each quote. Only then can you make a fair comparison and buy the cheapest auto insurance in Minnesota.
Our site helps you determine which company has the lowest rates, and also enables you to learn a little bit about the coverages you're buying. You can also find an insurance agent near you if you prefer to have professional advice when buying a policy.
Popular Insurance Rate Quotes in Minnesota
The three largest cities in Minnesota are Minneapolis, St. Paul, and Rochester, so those cities have most quoted insurance rates. The vehicles below are the top picks for coverage in each city, and you can read about how to find the best rates for your model. More vehicles and cities can be accessed from the buttons below the list.
Minneapolis Insurance Rates
St. Paul Insurance Rates
Rochester Insurance Rates