Cheap Car Insurance in Minnesota (May 2025)

Written by Ben Moore and 1 other
Updated Mar 26, 2025
Insurance price card

Cheap Car Insurance in Minnesota (May 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.
Key Takeaways
  • Dairyland, Progressive and The General offer some of the cheapest car insurance in Minnesota.
  • The average cost of minimum coverage in Minnesota is around $150 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Minnesota.

You may find cheap car insurance in Minnesota from companies like Dairyland, Progressive and The General. These insurers are regularly among the most affordable options in the state, according to real quotes for Jerry customers.

Here are more cheap providers for minimum and full coverage, by age, driving history and low credit score.

COMPARE CHEAP CAR INSURANCE QUOTES IN MINNESOTA

Cheap minimum coverage in Minnesota

These are the cheapest car insurance companies in Minnesota for minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $74 $892
National General $135 $1,625
Progressive $148 $1,780
The General $174 $2,092
Bristol West $175 $2,101
Dairyland $192 $2,310
Last Updated Apr 25, 2025

Minimum car insurance requirements in Minnesota

Minnesota drivers must carry these minimum car insurance limits:

  • $30,000 in bodily injury liability per person.
  • $60,000 in bodily injury liability per accident.
  • $10,000 in property damage liability per accident.
  • $25,000 in uninsured/underinsured motorist coverage per person.
  • $50,000 in uninsured/underinsured motorist coverage per accident.
  • $40,000 in personal injury protection, or PIP.

More: Cheap car insurance in Minneapolis, Minnesota

Cheap full coverage car insurance in Minnesota

These are the cheapest car insurance companies in Minnesota for full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $152 $1,824
Assurance America $200 $2,400
Progressive $202 $2,426
National General $227 $2,722
The General $325 $3,905
Bristol West $326 $3,914
Dairyland $439 $5,269
Embark General $665 $7,976
Last Updated May 1, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Minnesota

Below are the average costs of car insurance in Minnesota for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $379 $4,546
21-24 $274 $3,283
Last Updated May 1, 2025

Cheap minimum coverage in Minnesota for a 20-year-old

These are the cheapest car insurance companies in Minnesota for 20-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $299 $3,585
Progressive $317 $3,809
Dairyland $344 $4,133
National General $345 $4,144
Bristol West $360 $4,324
Last Updated May 1, 2025

Cheap full coverage in Minnesota for a 20-year-old

These are the cheapest car insurance companies in Minnesota for 20-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Dairyland $316 $3,789
Progressive $333 $4,000
The General $397 $4,769
Embark General $665 $7,976
Bristol West $753 $9,035
Last Updated Apr, 2025

Average auto insurance costs for mature drivers in Minnesota (25-54)

Below are the average costs of car insurance for drivers in Minnesota between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $229 $2,752
35-44 $193 $2,317
45-54 $172 $2,060
Last Updated May 1, 2025

Cheapest minimum coverage in Minnesota for a 35-year-old

Here are the most affordable insurers in Minnesota for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $45 $538
Progressive $111 $1,331
National General $111 $1,337
Dairyland $122 $1,464
Bristol West $133 $1,600
Last Updated Apr, 2025

Cheapest full coverage in Minnesota for a 35-year-old

Here are the most affordable insurers in Minnesota for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $176 $2,109
Progressive $185 $2,215
National General $216 $2,590
The General $270 $3,234
Dairyland $313 $3,760
Last Updated May 1, 2025

Average car insurance costs for older drivers in Minnesota (55+)

Below are the average costs of car insurance for drivers in Minnesota aged 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $145 $1,745
65+ $144 $1,722
Last Updated May 1, 2025

Cheapest minimum coverage in Minnesota for a 65-year-old

Here are the most affordable insurers in Minnesota for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $49 $584
Progressive $52 $624
National General $72 $859
Bristol West $90 $1,079
Last Updated May 1, 2025

Cheapest full coverage in Minnesota for a 65-year-old

These are the cheapest car insurance companies in Minnesota for 65-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $114 $1,365
Progressive $114 $1,367
National General $140 $1,677
Bristol West $177 $2,127
The General $242 $2,899
Last Updated Apr, 2025

Cheapest car insurance in Minnesota by driving history

Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Minnesota

Here are the most affordable insurers in Minnesota for those with clean driving records, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $81 $973
Safeco $127 $1,522
Progressive $148 $1,781
National General $158 $1,891
Bristol West $193 $2,317
Last Updated Apr, 2025

Cheapest car insurance with a speeding ticket in Minnesota

These are the cheapest car insurance companies in Minnesota for drivers with a speeding ticket, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $133 $1,595
National General $188 $2,258
Progressive $195 $2,337
Assurance America $203 $2,438
The General $237 $2,845
Last Updated Apr 26, 2025

Cheapest car insurance after an at-fault accident with no injury in Minnesota

These are the cheapest car insurance companies in Minnesota for drivers with an at-fault accident with no injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $126 $1,514
National General $201 $2,418
Progressive $225 $2,700
The General $286 $3,433
Dairyland $301 $3,606
Last Updated Apr, 2025

Cheapest auto insurance after an at-fault accident with injury in Minnesota

Below are the cheapest auto insurers in Minnesota for people with an at-fault accident with injury on their driving record.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $138 $1,650
Dairyland $214 $2,570
The General $286 $3,438
Bristol West $374 $4,494
Progressive $487 $5,838
Last Updated Apr 25, 2025

Cheapest car insurance with a DUI in Minnesota

Here are the most affordable insurers in Minnesota for those with a DUI, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $186 $2,238
National General $195 $2,342
Dairyland $274 $3,289
The General $297 $3,560
Bristol West $438 $5,253
Last Updated Apr, 2025

Average auto insurance costs for Minnesota drivers with other violations

Below are average car insurance costs in Minnesota for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $162 $1,941
Cell Phone $228 $2,735
Driving on Sus. License $384 $4,602
Eluding Police $543 $6,517
Failure to Obey Traffic Sign $230 $2,758
Last Updated Apr, 2025
1 2 3

Cheapest auto insurance for low credit scores in Minnesota

Minnesota drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in Minnesota for drivers with a credit score below 550.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $151 $1,809
Progressive $194 $2,327
National General $197 $2,360
Assurance America $203 $2,438
The General $217 $2,603
Last Updated May 1, 2025

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Minnesota

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

Compare car insurance quotes with Jerry.

More: Best car insurance companies

Factors that affect car insurance costs in Minnesota

How much you pay for coverage depends on a variety of factors, including your:

  • ZIP code.
  • Driving history.
  • Vehicle’s year, make, and model.
  • Claims history.
  • Car usage and miles driven.
  • Deductible amount.

More: How car insurance rates are calculated

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.