Comparison Car Insurance for All U.S. States

For Comparison Car Insurance in all U.S. states, as well as top U.S. colleges, state image galleries, cool destinations on a budget, and more, visit any of the links shown below.

Or read this page to find the best rates on Minnesota Car Insurance. 

Learn about average premiums on Minnesota car insurance, and how to score the lowest possible policy premium rates. 

Following these few simple steps can save you literally hundreds of dollars a year on Minnesota car insurance. 


average auto insurance rates

The Average Annual Premium on Car Insurance in the state of Minnesota was $1,215 this year, a bit lower than the overall national average of about $1,365 for the same time period.

Minnesota's average annual premium might have been even lower, if not for the state's alarmingly high rate of DUI convictions and harsh weather conditions, along with the fact that Minnesota is a “no-fault” state for car insurance. 

No-fault laws lead to increased premiums, although details vary from state to state.

One reason why Minnesota's comparison car insurance premiums are lower than the national average may have to do with the state's strong economy, low population density, and low crime rates. 

minimum liability coverage for vehicles owned in minnesota

According to state law, Minnesota drivers are required to purchase at least 30/60/10 coverage for each owned vehicle.

That means a minimum of

  • $30,000 in coverage for personal injury to the driver
  • $60,000 in coverage for expenses of others who are injured
  • $10,000 in coverage against damage to personal property  

The minimum required coverage in Minnesota is high compared to other U.S. states.

Part of the reason for this may be that Minnesota ranks fifth among states in DUI deaths. Roughly 125 DUI deaths are reported each year throughout the state of Minnesota.

penalties for uninsured drivers

For a first offense, getting ticketed for driving without insurance in Minnesota is punishable by a fine of up to a thousand dollars and/or up to three months in jail.

Repeat convictions within a ten-year time span result in fines of up to $3,000 and up to one year in jail.

At this time, it is estimated that more than 11% of drivers on Minnesota roads are uninsured. 

Low cost car insurance programs

Minnesota car insurance carriers typically offer various discount programs to promote healthy driving habits.

  • Accident-Free discounts and Good-Driver discounts are for car owners who drive safely.
  • Defensive Driving Course discounts are for senior citizens who complete an approved course,
  • Good Student discounts are for full time students who earn good grades.

Other available discounts may include Multiple Auto discounts, Multiple Policy discounts, Vehicle Safety discounts, Passive Restraint discounts, and others.

Just ask every insurance agent you speak with about their discounts, and run your own comparison car insurance study. 

Low cost car insurance depends on the driver being very proactive about discount programs. You have to ask the agent directly. The agent will not necessarily mention it to you. 

Comparison Car Insurance Quotes

According to consumer reviews, many Minnesota car owners opt for major insurance carriers like Auto Owners Insurance, The Hartford, Geico, and 21st Century.

Still, some Minnesota drivers opt for lesser known local favorites such as American Family Insurance, Farm Bureau, Western National, and Insurance Brokers of Minnesota

In any case, Minnesota is saturated with auto insurance carriers providing coverage at competitive rates.

Simply call several brokers near you for further information. Also obtain and compare free online quotes.

Most importantly, don't forget to ask about their DISCOUNTS!

Then simply calculate the cost, and choose the cheapest premium package that fits your needs.

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