{"id":324721,"date":"2025-11-07T17:29:39","date_gmt":"2025-11-07T22:29:39","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88745"},"modified":"2025-11-07T17:29:39","modified_gmt":"2025-11-07T22:29:39","slug":"best-in-minnesota","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-minnesota\/","title":{"rendered":"The Best Minnesota Auto Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overall\" title=\"The Best Minnesota Auto Insurance Companies\"><\/span>\n    \n\n\n<p>Minnesota drivers looking for the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance company<\/a> have strong choices among national and regional carriers. To help you compare, Reviews.com integrated current pricing benchmarks, market-share context, and independent satisfaction research. We considered pricing context from recent Minnesota rate analyses, consumer satisfaction trends, financial strength indicators, and the presence of leading national writers by market share (e.g., State Farm, Progressive, GEICO, American Family) as reported by NAIC via the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">Insurance Information Institute<\/a>, alongside the latest insights from <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Car Insurance Companies in Minnesota<\/h2>\n\n\n\n<p>To find the best Minnesota car insurance companies, our editorial team reviewed current Minnesota pricing context from reputable datasets and considered carriers with broad availability and strong fundamentals (market presence, financial strength, service). We also factored in third-party evaluations like <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s 2025 study<\/a> for satisfaction trends and NAIC-based market-share data summarized by the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">Insurance Information Institute<\/a>. From there, we compared discounts, coverages, digital tools, and support to select four standout options.<\/p>\n\n\n\n<ul><li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Geico<\/strong><\/a><strong>: <\/strong>Best for Discounts\u00a0<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>: <\/strong>Best for Safe-Driving Programs<\/li><li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Auto-Owners<\/strong><\/a><strong>: <\/strong>Best for Personalized Coverage\u00a0<\/li><li><a href=\"#american-family\" rel=\"nofollow\" class=\"achor-toggles\"><strong>American Family<\/strong><\/a><strong>:<\/strong> Best for Cheap Full Coverage<\/li><\/ul>\n\n\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Car Insurance Companies in Minnesota<\/h2>\n\n\n\n<p>While these companies are our picks for the best in Minnesota, every driver\u2019s price and fit will vary. Shopping around and <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\" class=\"achor-toggles\">comparing car insurance quotes<\/a> remains the most reliable way to find value. Premiums have risen industry-wide in recent years; the U.S. Bureau of Labor Statistics\u2019 Consumer Price Index shows elevated year-over-year increases for the motor vehicle insurance category, underscoring the importance of comparing multiple carriers and considering telematics if it fits your driving (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI table<\/a>).<\/p>\n\n\n\t\t\n<section id=\"block_62c4473e5bfa5\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL MINIMUM COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL FULL COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM BEST\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_62c4473e5bfa5-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$540<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,051<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>847<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c4473e5bfa5-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$483<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,167<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>843<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c4473e5bfa5-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$430<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,366<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>821<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c4473e5bfa5-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$590<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,176<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>848<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Table note: Values shown in the comparison table reflect the dataset used when it was originally compiled and are for historical context only. For current Minnesota pricing context and satisfaction trends, see Average Cost below and the latest studies from <a href=\"https:\/\/www.bankrate.com\">Bankrate (Minnesota)<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (Minnesota)<\/a>, <a href=\"https:\/\/www.thezebra.com\">The Zebra<\/a>, and <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>.<\/em><\/p>\n\n\n\n<p><em>*Premium figures in this table were modeled from a prior Bankrate dataset and are not current. Refer to the sources linked above for updated statewide and company averages.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power scores shown in this table correspond to historical results for the Central region (1,000-point scale). For the most recent satisfaction findings, see <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2025 U.S. Auto Insurance Study<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico offers one of the longest lists of discounts in the industry, which could help Minnesota drivers save on their car insurance coverage. Given recent premium increases across the market, stacking available discounts and considering usage-based programs has become even more impactful for many drivers (<a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>; <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,051*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">847**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico offers one of the longest lists of discounts in the industry, which could help Minnesota drivers save on their car insurance coverage. Given recent premium increases across the market, stacking available discounts and considering usage-based programs has become even more impactful for many drivers (<a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>; <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discounts<\/li>\n                            <li>High J.D. Power customer satisfaction rating<\/li>\n                            <li>Superior AM Best financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited local agents<\/li>\n                                    <li>Higher-than-average full coverage premium<\/li>\n                                    <li>Few options for add-on coverage<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Renters<\/li>\n<li>Motorcycle\/ATV<\/li>\n<li>Boat<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Emergency deployment<\/li>\n<li>Military<\/li>\n<li>Federal employee<\/li>\n<li>Seat belt use<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Safe-Driving Programs\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Safe-Driving Programs<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm\u2019s Drive Safe &amp; Save and its Steer Clear programs might help young drivers save on their premiums as well as help all drivers learn how to drive safer. Usage-based programs have seen growing adoption as premiums climbed, and strong program execution is linked to better price satisfaction in recent studies (<a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,167*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">843**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm\u2019s Drive Safe &amp; Save and its Steer Clear programs might help young drivers save on their premiums as well as help all drivers learn how to drive safer. Usage-based programs have seen growing adoption as premiums climbed, and strong program execution is linked to better price satisfaction in recent studies (<a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Valuable online tools and resources<\/li>\n                            <li>Local agents available<\/li>\n                            <li>High third-party scores<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No gap insurance offered<\/li>\n                                    <li>Fewer additional options than some competitors<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=25178&#038;:refresh\" rel=\"noopener\" target=\"_blank\">overall NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Farm and ranch<\/li>\n<li>Business<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Drive Safe &amp; Save<\/li>\n<li>Steer Clear<\/li>\n<li>Student away at school<\/li>\n<li>Vehicle safety<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Best for Personalized Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Personalized Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers an array of endorsements and additional insurance products to help you customize your coverage. For newer or technology-dense vehicles, options like OEM parts, glass\/ADAS calibration coverage, higher rental limits, and even EV-specific add-ons can better match current repair realities (see <a href=\"https:\/\/www.cccis.com\/crash-course\/\">CCC Crash Course 2025<\/a>; <a href=\"https:\/\/www.mitchell.com\/insights\/trends\">Mitchell Trends<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=308178-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,366*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">821**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers an array of endorsements and additional insurance products to help you customize your coverage. For newer or technology-dense vehicles, options like OEM parts, glass\/ADAS calibration coverage, higher rental limits, and even EV-specific add-ons can better match current repair realities (see <a href=\"https:\/\/www.cccis.com\/crash-course\/\">CCC Crash Course 2025<\/a>; <a href=\"https:\/\/www.mitchell.com\/insights\/trends\">Mitchell Trends<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lower-than-average premium<\/li>\n                            <li>Superior AM Best financial strength<\/li>\n                            <li>Numerous endorsements and insurance products available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited digital tools<\/li>\n                                    <li>No online quote option<\/li>\n                                    <li>Lower-than-average J.D. Power customer satisfaction score<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Condo<\/li>\n<li>Boat<\/li>\n<li>Business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Paid-in-full<\/li>\n<li>Advance quote<\/li>\n<li>Life multi-policy<\/li>\n<li>Payment history<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"american-family\" title=\"Best for Cheap Full Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheap Full Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family offers affordable full coverage and plenty of car insurance discounts in Minnesota. As prices have shifted, bundling home and auto and enrolling in telematics can materially change quotes for many households (see <a href=\"https:\/\/www.iii.org\/article\/rising-auto-insurance-costs\">Insurance Information Institute on rising costs<\/a>; <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=342881-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,176*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">848**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family offers affordable full coverage and plenty of car insurance discounts in Minnesota. As prices have shifted, bundling home and auto and enrolling in telematics can materially change quotes for many households (see <a href=\"https:\/\/www.iii.org\/article\/rising-auto-insurance-costs\">Insurance Information Institute on rising costs<\/a>; <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lifetime guarantee at partnered repair shops<\/li>\n                            <li>Several discounts available<\/li>\n                            <li>Lower-than-average full coverage rates<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Highest minimum coverage premium on our list<\/li>\n                                    <li>Lower AM Best financial strength rating than some competitors<\/li>\n                                    <li>Not available in all states<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Pet<\/li>\n<li>RV and camper<\/li>\n<li>Snowmobile<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Loyalty<\/li>\n<li>Early bird<\/li>\n<li>Low mileage<\/li>\n<li>KnowYourDrive<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Premium amounts shown in mini-review metrics reflect historical sample rates. For current statewide estimates and methodology, see <a href=\"https:\/\/www.bankrate.com\">Bankrate Minnesota<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet Minnesota<\/a>, and <a href=\"https:\/\/www.thezebra.com\">The Zebra<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power references in this section: historical table scores correspond to earlier Central-region results on a 1,000-point scale; for the most recent view of satisfaction and claims experience, see <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025 U.S. Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\">2025 U.S. Auto Claims Satisfaction Study<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Minnesota<\/h2>\n\n\n\n<p>Based on recent statewide analyses, Minnesota\u2019s average full-coverage premium generally falls in the mid-$1,700s to low-$1,900s per year, while state-minimum policies commonly range around $500\u2013$700 per year. Methodologies vary by source and driver profile; for current estimates and assumptions, consult <a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s Minnesota page<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet\u2019s Minnesota hub<\/a>, and <a href=\"https:\/\/www.thezebra.com\">The Zebra\u2019s State of Auto Insurance<\/a>. Premiums rose significantly in recent years, consistent with the elevated motor vehicle insurance CPI noted by the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">U.S. Bureau of Labor Statistics<\/a>. Your price will still hinge on personal factors like age, driving history, vehicle, coverage limits\/deductibles, credit tier, and location (urban ZIPs like Minneapolis\u2013St. Paul typically price above the statewide average), as well as Minnesota\u2019s required no-fault coverages (PIP and UM\/UIM) that affect minimum-policy costs (<a href=\"https:\/\/mn.gov\">Minnesota Department of Commerce<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Minnesota<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>State Farm<\/td><td><a href=\"https:\/\/www.bankrate.com\">See current estimate<\/a><\/td><\/tr><tr><td>Progressive<\/td><td><a href=\"https:\/\/www.nerdwallet.com\">See current estimate<\/a><\/td><\/tr><tr><td>American Family<\/td><td><a href=\"https:\/\/www.thezebra.com\">See current estimate<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*\u201cCheapest\u201d varies by driver profile and methodology. Consult the linked Minnesota pages for up-to-date modeled averages and driver assumptions.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Minnesota<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td><a href=\"https:\/\/www.bankrate.com\">See current estimate<\/a><\/td><\/tr><tr><td>Liberty Mutual<\/td><td><a href=\"https:\/\/www.nerdwallet.com\">See current estimate<\/a><\/td><\/tr><tr><td>GEICO<\/td><td><a href=\"https:\/\/www.thezebra.com\">See current estimate<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Rankings vary by source and the driver scenario used. Always compare multiple quotes to find your best price.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Minnesota<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Example smaller regional city (varies by ZIP)<\/td><td><a href=\"https:\/\/www.bankrate.com\">See current estimate<\/a><\/td><\/tr><tr><td>Example suburban area outside MSP<\/td><td><a href=\"https:\/\/www.nerdwallet.com\">See current estimate<\/a><\/td><\/tr><tr><td>Example Greater Minnesota ZIPs<\/td><td><a href=\"https:\/\/www.thezebra.com\">See current estimate<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*City averages depend on the source\u2019s driver\/vehicle assumptions and sample ZIPs. Urban areas often price above the statewide average; many rural ZIPs price below. See the linked sources for current Minnesota city comparisons.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Minnesota<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Minneapolis (urban ZIPs)<\/td><td><a href=\"https:\/\/www.bankrate.com\">See current estimate<\/a><\/td><\/tr><tr><td>St. Paul (urban ZIPs)<\/td><td><a href=\"https:\/\/www.nerdwallet.com\">See current estimate<\/a><\/td><\/tr><tr><td>First-ring suburbs with higher loss costs<\/td><td><a href=\"https:\/\/www.thezebra.com\">See current estimate<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Amounts vary across datasets due to different driver profiles and timing. Use these as directional examples and verify current figures with the linked sources.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Minnesota<\/h2>\n\n\n\n<p>Before buying a Minnesota car insurance policy, it helps to understand the state\u2019s no-fault framework and mandatory coverages. Minnesota requires PIP, liability, and UM\/UIM; these requirements influence minimum-coverage pricing. Severe winter weather and convective storms can also affect claims and premiums over time. For shopping guidance, the Minnesota Department of Commerce provides consumer resources (<a href=\"https:\/\/mn.gov\">MN Commerce<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Minnesota Car Insurance Requirements<\/h3>\n\n\n\n<p>Minnesota requires that all drivers carry a car insurance policy with at least the following <a href=\"https:\/\/dps.mn.gov\">minimum coverage limits<\/a>:<\/p>\n\n\n\n<ul><li>$30,000 bodily injury liability per person<\/li><li>$60,000 bodily injury liability per accident<\/li><li>$10,000 property damage liability per accident<\/li><li>$25,000 uninsured motorist bodily injury per person<\/li><li>$50,000 uninsured motorist bodily injury per accident<\/li><li>$25,000 underinsured motorist bodily injury per person<\/li><li>$50,000 underinsured motorist bodily injury per accident<\/li><li>$40,000 personal injury protection (PIP)<\/li><\/ul>\n\n\n\n<p>The $40,000 PIP minimum is split into $20,000 for medical expenses and $20,000 for nonmedical\/economic loss per person, per accident, with statutory sublimits (<a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/65B.44\">Minn. Stat. \u00a7 65B.44<\/a>). Liability and UM\/UIM minimums are set in <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/65B.49\">Minn. Stat. \u00a7 65B.49<\/a>. While these are the legal floors, many drivers choose higher limits (e.g., 100\/300\/50 or more) for better protection. You could also consider <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage<\/a> (adding comprehensive and collision), which lenders typically require for financed or leased vehicles. For proof-of-insurance and compliance details, see <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/169.791\">Minn. Stat. \u00a7 169.791<\/a> and <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/169.797\">\u00a7 169.797<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h2>\n\n\n\n<p>State minimum coverage may be appropriate for some drivers, but knowing what coverage options are available can help you make an informed choice about your insurance. Here are some commonly offered optional coverages that Minnesota drivers may want to consider:<\/p>\n\n\n\n<ul><li><strong>Comprehensive coverage:<\/strong> Required by most lenders\/lessors and valuable even if you own your car outright, especially in areas with hail, wind, wildlife, or theft risks. Minnesota\u2019s severe convective storms and winter hazards make comprehensive a frequent source of claims; OEM parts and calibration coverage can be relevant for newer vehicles (<a href=\"https:\/\/www.mitchell.com\/insights\/trends\">Mitchell Trends<\/a>).<\/li><li><strong>Accident forgiveness: <\/strong>Still common but increasingly conditional (tenure, clean record, or telematics participation). Treat it as a priced perk rather than a substitute for safe driving; availability varies by carrier and state (<a href=\"https:\/\/www2.deloitte.com\">Deloitte Insurance Outlook 2025<\/a>).<\/li><li><strong>Car rental\/transportation coverage: <\/strong>Repair cycle times and daily rental costs remain higher than pre\u2011pandemic levels; consider higher per\u2011day and aggregate limits (e.g., $40\u2013$50\/day and $1,200\u2013$1,500 max where available) to avoid out\u2011of\u2011pocket gaps (<a href=\"https:\/\/www.cccis.com\/crash-course\/\">CCC Crash Course 2025<\/a>).<\/li><li><strong>Usage-based insurance (UBI): <\/strong>Participation continues to rise and can offset premiums for low\u2011risk driving patterns; clarity on how scores affect bills is key to maintaining satisfaction (<a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a>).<\/li><li><strong>GAP and new car replacement:<\/strong> With longer loan terms and higher amounts financed, GAP can protect against negative equity after a total loss; new car replacement is worth evaluating for recently purchased vehicles (<a href=\"https:\/\/www.experian.com\">Experian Automotive<\/a>).<\/li><li><strong>Rideshare\/delivery endorsements:<\/strong> Essential to close \u201cPeriod 1\u201d gaps when app\u2011on but no passenger; personal auto policies typically exclude livery without an endorsement (<a href=\"https:\/\/content.naic.org\">NAIC consumer guidance<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62c448775bfc4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get cheap car insurance in Minnesota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Minnesota\u2019s recent averages for a clean-driving adult commonly fall around the mid-$1,700s to low-$1,900s per year for full coverage, and roughly $500\u2013$700 for minimum coverage, depending on the dataset and profile. Check current estimates and assumptions at <a href=\"https:\/\/www.bankrate.com\">Bankrate (Minnesota)<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (Minnesota)<\/a>, and <a href=\"https:\/\/www.thezebra.com\">The Zebra<\/a>. To lower your rate, gather multiple quotes, bundle where possible, and consider telematics\/UBI if your driving is low risk. Elevated insurance inflation shown in the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a> makes comparison shopping especially valuable.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62c4488e5bfc5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Do I have to buy Minnesota car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Owned and registered vehicles must have car insurance in Minnesota. Minnesota is a no-fault state and requires PIP ($20,000 medical + $20,000 nonmedical per person), liability (30\/60\/10), and UM\/UIM (25\/50) minimums. Proof of insurance must be produced on demand; operating without required insurance carries penalties (see <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/65B.44\">Minn. Stat. \u00a7 65B.44<\/a>, <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/65B.49\">\u00a7 65B.49<\/a>, <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/169.791\">\u00a7 169.791<\/a>, <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/169.797\">\u00a7 169.797<\/a>; also <a href=\"https:\/\/mn.gov\">MN Commerce guidance<\/a>).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62c448a15bfc6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get a car insurance quote?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>You may be able to get a quote online, depending on the car insurance company you choose. Most carriers also offer quotes by phone, or you may need to stop by a local agency. You\u2019ll need the name, date of birth, and drivers license number for every driver on the policy, as well as the vehicle identification number (VIN) for each vehicle you need to add. Once you have a quote and you\u2019d like to start coverage, you\u2019ll probably have to pay at least a month\u2019s worth of premium, and you might have to sign an application. Comparing 4\u20136 quotes \u2014 including at least two national carriers and one or two strong regional\/mutual options \u2014 can improve your odds of finding the best combination of rate and service (see <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">III\/NAIC market-share context<\/a> and <a href=\"https:\/\/www.jdpower.com\">J.D. Power 2025<\/a> for satisfaction trends).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>Reviews.com evaluates insurers on affordability context, customer support, coverage options, third-party satisfaction indicators, digital tools, and financial strength. For Minnesota price context, we referenced current statewide averages from multiple reputable datasets to triangulate typical ranges and note methodology differences: <a href=\"https:\/\/www.bankrate.com\">Bankrate (Minnesota)<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (Minnesota)<\/a>, and <a href=\"https:\/\/www.thezebra.com\">The Zebra<\/a>. For market presence, we used NAIC-based rankings as summarized by the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">Insurance Information Institute<\/a>. For satisfaction and claims experience, we cited <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\">2025 U.S. Auto Claims Satisfaction Study<\/a>. Industry-wide price movement context was supported by the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a> news release tables.<\/p>\n\n\n\n<p>Historical premium values appearing in legacy tables were produced from earlier modeled datasets and are retained for context; they are not current. Where full-coverage details are referenced, a common benchmark profile across sources includes a 40\u2011year\u2011old driver with a clean record and typical full\u2011coverage limits\/deductibles. City and company comparisons fluctuate by dataset and driver assumptions; therefore, we link directly to the latest Minnesota pages from the cited sources for the most current figures and methodology notes.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, we reference Minnesota\u2019s statutes and agency guidance. These are sample benchmarks; your actual premium will differ. Always verify AM Best financial strength ratings and current satisfaction results at the time you shop.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Minnesota drivers looking for the best car insurance company have strong choices among national and regional carriers. To help you compare, Reviews.com integrated current pricing benchmarks, market-share context, and independent satisfaction research. We considered pricing context from recent Minnesota rate analyses, consumer satisfaction trends, financial strength indicators, and the presence of leading national writers by [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":360812,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[27908],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Minnesota Auto Insurance Companies | Reviews<\/title>\n<meta name=\"description\" content=\"Drivers in Minnesota face many hazards on the road that can potentially lead to accidents. 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