Best Auto Insurance Rates in Minnesota

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Get Cheap Car Insurance in Minnesota

Western National Mutual, Western Agricultural and Auto-Owners are the best providers of cheap car insurance in Minnesota, according to a QuoteWizard survey of companies that serve the North Star State.

Minnesotans pay an average of $285 per year if they buy the minimum amount of auto insurance the state requires from Western National Mutual, based on our research. And they pay an average of $638 per year for a full-coverage policy if they get it from the same insurer.

These rates are well below what a typical Minnesota driver pays for car insurance. Our data shows that the average driver here spends $591 per year on minimum coverage and $1,132 per year on full coverage.

Although Western National Mutual offers the cheapest car insurance in Minnesota, it isn’t alone in offering affordable auto coverage to the state’s vehicle owners and drivers. Auto-Owners and Western Agricultural also offer low-cost car insurance in Minnesota, as do several other companies.

This article will tell you all about:

Where can I buy cheap car insurance in Minnesota?

Western National Mutual offers the cheapest state-minimum car insurance in Minnesota, with an average premium of $285 per year. It also offers the cheapest full-coverage car insurance in the state, with an average premium of $638 per year.

These average annual premiums are based on rate quotes collected from the state’s providers for a typical driver.

cheapest minimum car insurance in minnesota

Auto-Owners and Western Agricultural offer cheap minimum car insurance in Minnesota, too. In fact, the average annual rate of $301 that Auto-Owners offered our sample driver is just $16 per year more than what Western National Mutual offered. The average annual rate Western Agricultural offered is $30 more than that, or $46 more than Western National Mutual’s offer.

Western Agricultural and Auto-Owners also offer some of the cheapest full-coverage policies — which usually include liability, collision and comprehensive insurance — in Minnesota.

cheapest full-coverage car insurance in minnesota

The average rate of $737 per year that Western Agricultural offered our sample Minnesota driver for full-coverage car insurance was $99 per year more than Western National Mutual’s rate. On the other hand, it was $395 per year lower than the state average for this kind of policy.

The average rate that Auto-Owners offered for a full-coverage policy was $100 per year more than Western National Mutual’s rate — or $394 per year lower than the state average for such coverage.

These three companies may offer the best car insurance rates in Minnesota, according to our data, but don’t let that keep you from checking out other insurers when you shop for auto coverage. A number of rate factors determine what you pay for auto coverage, including your age, gender and the type of vehicle you drive.

What are the best car insurance companies in Minnesota?

Western National Mutual offers the best car insurance rates in Minnesota, based on our research. Western Agricultural and Auto-Owners are great options for affordable auto coverage in the state, too.

Western National Mutual: best car insurance rates in Minnesota

Western National Mutual is our overall pick for best car insurance in Minnesota because it offers the cheapest rates for both state-minimum and full-coverage policies.

Western National Mutual offered our sample driver an average annual premium of $285 for a state-minimum policy. That’s $306 per year, or $25.50 per month, cheaper than the average cost in Minnesota for this amount of coverage.

It also offered an average annual premium of $638 for a full-coverage policy. That’s $494 per year, or about $41 per month, cheaper than the state average.

Auto-Owners: runner-up for cheap minimum coverage

Auto-Owners also offers cheap minimum car insurance in Minnesota. It offered our sample driver an average annual rate of $301. This is $290 per year lower than the state average for this kind of policy — a difference of just over $24 per month.

Auto-Owners offered our sample driver an affordable rate for full-coverage car insurance, too. Specifically, it offered an average annual premium of $738. That’s nearly $400 cheaper than the state average for such coverage.

Western Agricultural: runner-up for cheap full coverage

Western Agricultural is our runner-up pick for cheap full-coverage car insurance in Minnesota. It offered our sample driver an average annual premium of $737. That is $395 per year, or around $33 per month, lower than the state average for this type of policy.

Western Agricultural also is a good option if you’re looking for cheap state-minimum car insurance in Minnesota. It offered our sample driver an average annual premium of $331. This is $260 per year lower than the state average for such coverage. That’s a difference of about $22 per month.

State Farm is Minnesota’s most popular car insurance company, writing 23% of the state’s auto policies.

Auto-Owners, our runner-up for cheap minimum coverage in Minnesota, writes 4% of policies. This makes it the sixth-largest insurer in the state by market share. 

Insurance company Minnesota market share
State Farm 23%
Progressive 16%
American Family 12%
Allstate 5%
Farmers 5%
Auto-Owners 4%
USAA 4%
GEICO 4%
Liberty Mutual 3%
Travelers 3%
Source: S&P Global

Western National Mutual, our pick for best auto insurance rates in Minnesota, is the 14th largest insurer in the state by market share. It writes about 1.5% of coverage here.

Farm Bureau Financial Services, the parent company of Western Agricultural, our runner-up for cheap full coverage, writes just under 1% of car insurance policies in Minnesota. That puts it in 18th place according to state market share.

What are Minnesota’s auto insurance requirements?

Minnesota is one of a handful of states that require no-fault car insurance. Because of this, drivers here must have at least a minimum amount of personal injury protection, liability, uninsured motorist and underinsured motorist coverage. The minimum requirements in Minnesota for these coverage types are:

Type of coverage Minimum amount required in Minnesota
Personal injury protection $40,000 per person per accident
Liability

$30,000 for injuries to one person,

$60,000 for injuries to two or more people,

$10,000 for physical damage to the other driver’s vehicle or for property damage

Uninsured motorist

$25,000 for injuries to one person,

$50,000 for injuries to two or more people

Underinsured motorist

$25,000 for injuries to one person,

$50,000 for injuries to two or more people

Source: Minnesota Department of Commerce

In Minnesota, the personal injury protection — sometimes called PIP — portion of your policy must offer at least $20,000 of coverage for medical expenses and $20,000 of coverage for non-medical expenses like lost wages.

Methodology

We conducted a comprehensive study of auto insurance rates in Minnesota through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.

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