On this page
Travelers has the cheapest full coverage car insurance in Minnesota for most drivers in 2026, at about $147 a month, or $1,764 a year, for a 40-year-old driver with a clean record, according to InsuranceQuotes, using rates insurers filed with state regulators and compiled by Quadrant Information Services as of August 31, 2026. Other studies name different winners, from Auto-Owners at $78 a month to National General at $120, because they price different drivers and different coverage limits. This guide compares every major dataset side by side, names the cheapest carrier for each driver type, breaks out rates by city, and explains the Minnesota minimums, so you can tell which cheapest rate actually applies to you.
Minnesota is a no-fault state with a $40,000 personal injury protection requirement, one of the highest in the country, and that shapes the whole market. The state average for full coverage runs about $223 a month in InsuranceQuotes’ filed-rate data, while other datasets put it lower, from $190 a month in Luva’s data to $194 in LendingTree’s. Either way, Minnesota sits near the national middle, neither cheap nor expensive, and the carrier spread is what matters. The cheapest and most expensive major carriers differ by about $147 a month for the same driver, which is $1,764 a year.
Who has the cheapest car insurance in Minnesota?
Travelers is the cheapest in two datasets and near the top in a third. InsuranceQuotes puts Travelers at $147 a month for full coverage, ahead of State Farm at $166 and Auto-Owners at $176, with GEICO at $269, American Family at $285, and Allstate at $294. LendingTree puts Travelers at $106 a month, with State Farm at $124 and Auto-Owners at $147. SoFi’s Quadrant-based table puts State Farm first at $131 a month, with Travelers close behind at $132 and USAA at $146, though USAA is limited to military members, veterans, and their families.
| Company | Full coverage per month | Source and profile |
|---|---|---|
| Travelers | $147 | InsuranceQuotes / Quadrant, 40-year-old clean, 100/300/100, $500 deductibles |
| State Farm | $166 | InsuranceQuotes / Quadrant, same profile |
| Auto-Owners | $176 | InsuranceQuotes / Quadrant, same profile |
| GEICO | $269 | InsuranceQuotes / Quadrant, same profile |
| American Family | $285 | InsuranceQuotes / Quadrant, same profile |
| Allstate | $294 | InsuranceQuotes / Quadrant, same profile |
Two other datasets name cheaper winners, and the reason is the profile. Experian’s September 2026 data, based on policies quoted through its marketplace, names National General the cheapest for full coverage at $120 a month, or $1,446 a year, and the cheapest for minimum coverage at $64 a month, or $774 a year. MoneyGeek names Auto-Owners the cheapest at $78 a month for full coverage, but that figure uses a lower-limit profile, which is why it sits well below the InsuranceQuotes number for the same company. Luva’s Quadrant data puts State Farm first at $128 a month, with USAA at $129 and Travelers at $133, again on a different profile. The winner changes with the profile, and that is the most important thing to understand about cheapest-carrier lists.
Why do the cheapest lists disagree?
Each study prices a different driver. InsuranceQuotes prices a 40-year-old with a clean record, 100/300/100 liability limits, and $500 deductibles, using rates filed with regulators. MoneyGeek prices a lower-limit full coverage profile, which cuts the premium for every carrier but cuts it more for some than others. Experian averages actual quotes from its marketplace, which includes a mix of ages, records, and coverage levels. LendingTree prices its own standard profile. None of them is wrong, and none of them is your quote. The practical way to use them is to take the shortlist, Travelers, State Farm, Auto-Owners, and National General, and get quotes from all four for your own profile. The cheapest carrier for a 40-year-old in Minneapolis may not be the cheapest for a 22-year-old in Duluth.
The state average shows the same effect. InsuranceQuotes puts Minnesota full coverage at $223 a month, Luva at $190, LendingTree at $194, and Insure.com at $216 a month, or $2,591 a year. Those figures cluster within about $30 of each other once you account for profile differences, which is close agreement by the standards of rate studies. The $78 a month figure from MoneyGeek is the outlier, and it is an outlier because of the lower limits, not because Minnesota is secretly cheap.
Cheapest car insurance in Minnesota by driver type
The cheapest carrier changes with the driver, and MoneyGeek’s 2026 breakdown shows how much. Auto-Owners is cheapest for full coverage at $78 a month on its lower-limit profile, and cheapest for seniors at $73 a month for a 70-year-old. Westfield has the cheapest minimum coverage at $22 a month, and the cheapest minimum coverage in all 20 of Minnesota’s largest cities, at $18 to $23 a month everywhere except Saint Paul. After a DUI, State Farm is cheapest at $102 a month for full coverage. Drivers with poor credit should look at North Star Insurance, cheapest at $155 a month in MoneyGeek’s data. For teens, North Star Mutual has the cheapest liability rates at $108 a month, while Travelers has the cheapest full coverage for teens at $250 a month, per LendingTree.
| Driver type | Cheapest carrier | Monthly rate | Source |
|---|---|---|---|
| Clean record, full coverage | Travelers | $147 | InsuranceQuotes / Quadrant |
| Clean record, full coverage, lower limits | Auto-Owners | $78 | MoneyGeek |
| Minimum coverage | Westfield | $22 | MoneyGeek |
| Minimum coverage, Experian quotes | National General | $64 | Experian, September 2026 |
| Senior driver, age 70, full coverage | Auto-Owners | $73 | MoneyGeek |
| After a DUI, full coverage | State Farm | $102 | MoneyGeek |
| After an accident, full coverage | State Farm | $141 | LendingTree |
| Bad credit, full coverage | North Star Insurance | $155 | MoneyGeek |
| Teen, full coverage | Travelers | $250 | LendingTree |
| Teen, liability only | North Star Mutual | $108 | LendingTree |
Two names on that table deserve a second look. Westfield and North Star are regional carriers that national cheapest lists often miss, and in Minnesota they win the categories where the national carriers are expensive. North Star Mutual is a Minnesota-based mutual insurer, and it is cheapest for teen liability and competitive for bad-credit drivers. If you only compare the national brands, you will miss the cheapest option for your situation.
Cheapest car insurance in Minnesota by city
Minneapolis is the most expensive city in the state for car insurance, at $231 a month for full coverage in LendingTree’s data, while Mankato is the cheapest at $155 a month. That is a $76 monthly gap, or $912 a year, between the two cities. Westfield has the cheapest minimum coverage in all 20 of Minnesota’s largest cities, at $18 to $23 a month, with Eden Prairie at $18. The pattern follows claim frequency and population density, as it does everywhere, but the gap is wide enough to matter when you are choosing where to live or where to register a car.
Hail is part of the Minnesota story too. MoneyGeek notes that hail damage drove most of the state’s 2023 price increase, more than any other coverage, citing the Minneapolis Federal Reserve. Minnesota winters get the attention, with ice and heavy snow factored into premiums, but hail is the quieter cost driver, and it is one reason comprehensive coverage, which pays for hail damage, is worth keeping even on an older car.
What is the minimum car insurance in Minnesota?
Minnesota is a no-fault state, and its minimums are more demanding than most. The law requires 30/60/10 liability limits, $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage, plus $40,000 in personal injury protection, split into $20,000 for medical expenses and $20,000 for non-medical costs such as lost wages and replacement services. Uninsured and underinsured motorist coverage at 25/50 is also mandatory, under Minnesota Statutes section 65B.49. That is four required coverages, not one, and the $40,000 PIP minimum is among the highest in the country.
The minimum is a legal floor, not a recommendation. A serious accident with injuries and multiple vehicles can generate losses far beyond $30,000 per person, and most financial advisors recommend at least 100/300/100 in liability plus underinsured motorist coverage. The cheapest minimum-coverage policy in the state averages about $602 a year, according to Blue Otter’s 2026 data, against $2,414 a year for full coverage. The $1,800 gap buys collision and comprehensive coverage plus higher liability limits, which is a lot of protection for the money. If your car is paid off and worth less than about $6,700, minimum coverage can make sense, per MoneyGeek, and Westfield is the cheapest at $22 a month. For anything newer or more valuable, full coverage is the better call.
How to shop for the cheapest car insurance in Minnesota
Get quotes from Travelers, State Farm, Auto-Owners, and National General first, since those four top the most datasets, then add Westfield and North Star if you need minimum coverage, teen coverage, or a bad-credit rate. Re-quote at each renewal, because the cheapest insurer this year may not stay cheapest when companies refile their rates. Minnesota’s lookback rule for license revocation changed in August 2025, from 10 years to 20 years, so a DWI stays relevant longer than it used to, and that makes shopping after a violation even more important.
Check the discounts that stack in Minnesota. Bundling home and auto typically saves 10 to 20 percent. A good driver discount applies after several clean years. Telematics programs can cut 10 to 30 percent for safe drivers. And since hail is a real cost driver here, ask about comprehensive coverage deductibles separately from collision, since a lower comprehensive deductible costs little and pays for itself after one hailstorm.
Frequently asked questions
Who has the cheapest car insurance in Minnesota?
Travelers, at $147 a month for full coverage in InsuranceQuotes’ filed-rate data for a 40-year-old with a clean record. State Farm follows at $166 and Auto-Owners at $176. National General is cheapest in Experian’s quote data at $120 a month, and Auto-Owners is cheapest in MoneyGeek’s lower-limit data at $78 a month.
How much is car insurance in Minnesota per month?
Full coverage averages about $223 a month in InsuranceQuotes’ data, $190 in Luva’s, and $194 in LendingTree’s. Minimum coverage averages $53 a month in Luva’s data, $64 in Experian’s, and $22 from Westfield in MoneyGeek’s data. The range reflects different driver profiles and coverage limits.
What is the minimum car insurance required in Minnesota?
Minnesota requires 30/60/10 liability limits, $40,000 in personal injury protection split $20,000 medical and $20,000 non-medical, and uninsured and underinsured motorist coverage at 25/50, under Minnesota Statutes section 65B.49. Minnesota is a no-fault state.
What is the cheapest minimum coverage car insurance in Minnesota?
Westfield, at $22 a month in MoneyGeek’s 2026 data, and the cheapest minimum coverage in all 20 of Minnesota’s largest cities at $18 to $23 a month. National General is cheapest in Experian’s data at $64 a month. State Farm has the cheapest liability-only average among major carriers at $43 a month in LendingTree’s data.
How much is car insurance in Minneapolis vs Mankato?
Minneapolis averages $231 a month for full coverage, the most expensive city in the state, while Mankato averages $155, the cheapest, according to LendingTree. The $76 monthly gap costs $912 a year.
Is Minnesota a no-fault state?
Yes. Your own personal injury protection pays your medical bills and lost wages after a crash, regardless of who caused it. Minnesota requires $40,000 in PIP, among the highest minimums in the country, and also requires uninsured and underinsured motorist coverage.
InsuranceQuotes publishes the Minnesota rates used above in its Minnesota car insurance rates and companies for 2026 guide, based on rates insurers filed with state regulators and compiled by Quadrant Information Services as of August 31, 2026. For comparison with other cheapest-by-state guides, see our cheapest car insurance in West Virginia post, and for the national picture, the cheapest car insurance companies in 2026 and the cheapest states for car insurance in 2026. For what a full state average looks like, see how much car insurance costs in New York.
