Cheapest Car Insurance in Minnesota (2026)
Auto-Owners leads minimum coverage at $41/month. Minnesota drivers pay an average of $174/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.
Updated May 1, 2026 · WebSearch-verified state minimums (30/60/10 + $40K PIP + UM/UIM 25/50 — no-fault state), average costs, and cheapest-carrier rankings.
Quick Answer — Minnesota
- Minimum coverage required: 30/60/10 + $40K PIP + UM/UIM 25/50 — no-fault state
- Avg full coverage cost: $174/month ($2,089/year)
- Cheapest carrier (minimum): Auto-Owners — $41/mo avg
- Cheapest carrier (full coverage): State Farm (or USAA for military) — $100/mo avg
What's special about car insurance in Minnesota
- No-fault state with $40K mandatory PIP
- Allows credit-based insurance pricing
- Winter weather drives some seasonal claim variability
- Auto-Owners and American Family (regional Midwest carriers) consistently competitive
Minnesota car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | 30/60/10 + $40K PIP + UM/UIM 25/50 — no-fault state | — | — |
| Avg minimum coverage cost | $70/mo | $836/yr | — |
| Avg full coverage cost | $174/mo | $2,089/yr | — |
| Cheapest carrier (minimum) | Auto-OwnersBest | $41/mo | $491/yr |
| Cheapest carrier (full coverage) | State Farm (or USAA for military)Best | $100/mo | $1,200/yr |
Which carrier should Minnesota drivers pick?
Match your situation to the right carrier. Minnesota-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverage→ Auto-OwnersCheapest in Minnesota at $41/mo.
- You want full coverage at the lowest price→ State Farm (or USAA for military)$100/mo full coverage in Minnesota. USAA cheapest for military; State Farm cheapest national carrier for general public
- You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
Get a free Minnesota quote in 15 minutes
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$41/mo
Cheapest minimum coverage
$174/mo
State avg full coverage
30/60/10 + $40K PIP + UM/UIM 25/50
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
WalletGrower is independently owned and operated. We maintain editorial independence from our affiliate partners.
Methodology & sources
All Minnesota data on this page was WebSearch-verified May 2026 against the Minnesota insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
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