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The Best Auto Insurance in Minnesota 2024

Protect your vehicle in the Land of 10,000 Lakes.

Best Auto Insurance Coverage Options in Minnesota
Allstate Logo 2023

Allstate provides the widest range of coverages, discounts, and auto insurance resources of the companies surveyed. It’s a one-stop shop if you want full coverage auto insurance in Minnesota.

Best Auto Insurance for Families in Minnesota
State Farm Logo

State Farm has a lot of discounts for teen and young adult drivers, plus ways to save if you have multiple policies.

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Minnesota has 3.4 million licensed drivers within state lines. With a mix of big cities and beautiful natural landscapes, Minnesota is home to a diverse population with diverse auto insurance needs. Its minimum required auto insurance coverage is more robust than most states’, but it’s still important to shop around for the amount of coverage that’s right for you. We’ve analyzed data from the top auto insurance providers to determine which providers offer the best coverage for different types of customers in Minnesota. Read on for our findings.

The Best Auto Insurance in Minnesota

  1. 1.

    Best Auto Insurance Coverage Options in Minnesota: Allstate

  2. 2.

    Best Auto Insurance for Families in Minnesota: State Farm

  3. 3.

    Best Auto Insurance for Classic Cars in Minnesota: USAA

  4. 4.

    Best Auto Insurance for New Cars in Minnesota: Liberty Mutual

Comparison of the Best Auto Insurance in Minnesota

Annual cost of full coverage auto insurance Annual cost of minimum coverage auto insurance New-car discount Multi-car discount Classic car coverage Review
Allstate $2,126 $851 Yes No Yes Allstate review
State Farm $1,095 $43 No Yes State Farm review
USAA $1,254 $368 Yes Yes Yes USAA review
Liberty Mutual $1,637 TBD No Yes Liberty Mutual review

Detailed List of the Best Auto Insurance in Minnesota

1. Best Auto Insurance Coverage Options in Minnesota - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Allstate is your best bet as a starting point for most auto insurance customers. It provides flexible and affordable coverage options that you can mix and match. As one of the largest insurance providers in the country, Allstate offers a wide range of policies for cars, motor homes, RVs, and more. We also like it for rideshare workers and infrequent drivers in Minnesota’s large metropolitan areas.

ProsWho It's Best For
  • pro
    Infrequent drivers who want pay-per-mile insurance
  • pro
    People who want flexible full coverage
  • pro
    Rideshare drivers
ConsWho It's Not Best For
  • con
    People who want to bundle health or disability insurance
  • con
  • con
    People who want to work with a local agent (few in Minnesota)

Coverage Options

Minnesota requires liability insurance, uninsured/underinsured motorist coverage, and personal injury protection (PIP), but we recommend more than the state minimum required coverage for most drivers. Other coverage options from Allstate include:

  • Collision and comprehensive coverage to replace or repair your vehicle after an accident
  • Rental reimbursement coverage to rent a car while yours is being repaired under a covered claim
  • Ride for hire to fill coverage gaps if you use your vehicle to work for a rideshare company
  • Roadside coverage for common services like tire changes and jump-starts

Ride for Hire

Most rideshare companies are legally required to provide you with insurance; however, there may be gaps if you use your vehicle for your rideshare gig. Allstate’s ride-for-hire endorsement adds protection after your auto insurance policy stops and before the company insurance kicks in (this is usually when you have the app on but haven’t matched with a rider yet).

Pay-Per-Mile Coverage

Allstate’s pay-per-mile coverage, called Milewise, is excellent if you usually store your vehicle. Whether you’re retired, working from home, taking care of your kids, or prefer public transportation, pay-per-mile solves a vital dilemma: Why pay for something you’re not using?

Milewise is not available in every state, but luckily, Minnesota is on the list. It uses a device to capture your driving miles and review your driving habits. You’ll pay a daily rate plus a variable per-mile rate. Allstate’s website uses $1.50 per day and $0.72 per mile as example rates.

2. Best Auto Insurance for Families in Minnesota - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

One of our favorite things about State Farm is its reliance on local, exclusive agents. Most of its agents in Minnesota are based around St. Paul, but you can still use their robust mobile and online tools if you don’t live close enough to an agent to do business at their office. State Farm is great for families because its discounts apply to teen drivers, who are very expensive to insure, and its bundling options allow you to consolidate your policies under one roof.

ProsWho It's Best For
  • pro
    People who want to bundle multiple policies
  • pro
    Families with multiple cars
  • pro
    Teens and student drivers
ConsWho It's Not Best For
  • con
    New-car owners
  • con
    Drivers with a poor record


State Farm offers a 17 percent discount if you bundle two or more of the following policies (it’s applied automatically when you select them):

  • Car insurance
  • Motorcycle insurance
  • Boat insurance
  • Motor home insurance
  • ATV insurance
  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Life insurance
  • Health insurance
  • Disability insurance
  • Liability insurance
  • Small business insurance

Bundling is a great way to save money if you and your family own a home or recreational vehicle, or if you want all your insurance policies in one place for the future.

Multi-Vehicle Savings

If you live in a full house with multiple vehicles, you can save money by keeping them on the same policy. State Farm allows you to insure up to four cars and offers a discount if you live in the same household as the other policyholders; are related by marriage, blood, or adoption; and jointly own the vehicles (all names on the insurance policy).

Safe Driving and Student Discounts

State Farm has low rates, along with a wide variety of discounts. If you have teen drivers or college students on your policy, you’ll benefit from several in particular:

  • Steer Clear: Drivers under age 25 with a clean record get a discount of up to 15 percent for completing an app-based driver training program.
  • Good student: Students save up to 25 percent for good grades until they turn 25.
  • Driver training: If everyone under 21 who uses a car in your house completes an approved driver education course, you get a discount!
  • Student away at school: Drivers under 25 who go to school more than 100 miles away and leave their car at home get a discount.
  • Accident-free: Drivers of any age get a discount for maintaining an accident-free record for at least three years.
  • Defensive driver: Taking a driver safety course can earn you a discount.
  • Vehicle: Driving a car with safety features, passive restraints, and anti-theft technology saves money and keeps your family safe.


Minnesota is a no-fault state, which means if you cause an accident, you are responsible for the other party’s property damage but not their medical costs.1

3. Best Auto Insurance for Classic Cars in Minnesota - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

Minnesota is friendly to classic cars, with favorable registration, inspections, taxes, emissions tests, title requirements, road quality, traffic patterns, and weather.2 Collectors in Minnesota will know that insuring your vehicle is essential to maintaining and growing its value. Cue USAA — while its membership is exclusive, if you’re in the club, you can get classic car insurance through American Collectors. That’s why USAA is on our list of best auto insurance for classic cars.

ProsWho It's Best For
  • pro
    Owners whose vehicle will appreciate over time
  • pro
    Customers looking for roadside assistance
  • pro
    Collectors with multiple vehicles
ConsWho It's Not Best For
  • con
    Households who share a car, as every licensed driver must have at least one regular-use vehicle on the policy in addition to the classic car
  • con
    Drivers who want to use their vehicle for racing or timed events

Automatic Coverage

USAA’s automatic coverage for classic cars means that most qualifying vehicles added to your collection are automatically covered for 30 days, up to $100,000. If the perfect hot rod catches your eye at the local car show, you can drive away with it, knowing you’re covered until you officially add it to your policy.

Inflation Guard

Classic cars tend to increase in value over time, so the value of your car if and when you need to file a claim may not be the same as when you buy your policy. USAA offers free inflation protection for classic cars, increasing the agreed-upon value over time. While most classic car insurers increase your protection limit by 2 or 4 percent of the car’s value to adjust for inflation, USAA offers a maximum of 6 percent, so in the event of a total loss, you receive the full value of your car.

Towing and Labor for Collectors (TLC)

You can purchase American Collectors’ roadside assistance for classic cars with your USAA classic car policy, which pays for emergency expenses in case of a breakdown or accident. Four tiers (Silver, Gold, Platinum, and Titanium) will reimburse you for towing, roadside assistance, lockouts, emergency travel expenses, and events specific to classic cars, like car show expenses and theft rewards.

4. Best Auto Insurance for New Cars in Minnesota - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

Liberty Mutual is one of our best auto insurance providers for new cars because of its coverage options. Its online platform makes it easy to find a quote or sign up for a policy no matter how far from a city you live, and it provides a lot of coverage options, including gap and new-car replacement coverage. You’ll find the best auto insurance rates at Liberty Mutual if you have a clean driving record. Take advantage of their discounts and coverage to protect your new purchase!

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
    New-car owners
  • pro
    People who finance or lease their vehicle
ConsWho It's Not Best For
  • con
    Teen drivers and their families
  • con
    Rideshare drivers
  • con
    Drivers with a poor record

New-Car Replacement

Most car owners know that vehicles begin depreciating as soon as you drive them off the lot. In the event of a total loss, your insurance payout is typically the actual cash value (ACV) of the car, which could be a lot less than what you paid for it even months prior. Liberty Mutual will pay you the full cost of a new car regardless of its ACV. To qualify, your vehicle must:

  • Be less than one year old
  • Have fewer than 15,000 miles
  • Not be leased
  • Have comprehensive and collision coverage
  • Not have any previous owners

Gap Coverage

Gap coverage comes in handy if you finance or lease your new vehicle. It pays for the difference between what you owe and the car’s worth minus your deductible, so you don’t owe the full amount of your new vehicle if it’s totaled in a covered accident. Consider gap coverage if you financed your car for 60 months or if you put down less than 20 percent.

Better-Car Replacement

Liberty Mutual’s second car replacement offering has broader eligibility. You can purchase coverage for a new car — even if it’s over a year old — provided you did not lease it. In the event of a total loss, better-car replacement gives you money to buy a vehicle that is one model year newer and has up to 15,000 miles less than the one you had.


If you want more information on insurance requirements and driving laws, check out our Minnesota state guide to auto insurance.


We chose the best auto insurance providers for Minnesota residents using a blend of three research methods:

  • Company information: We thoroughly research each provider, coverage option, and available discount, taking into account information provided by the company and third-party rating agencies to determine customer satisfaction and financial strength.
  • Proprietary data: We analyze our data, gathered at the point of transaction, to determine which companies fit best with which types of customers.
  • Institutional knowledge: Paul Ford, the president of insurance at Centerfield,’s parent company, has spent nearly three decades in the insurance industry. We leverage his extensive knowledge, gathered from tenures at Canadian Access, Inslogic, Capital One Insurance Services, NetQuote, Bankrate, and Datalot, and institutional knowledge from other sources within the company to help customers find the right policy for them.

Minnesota Auto Insurance FAQ

What is the average cost of car insurance in Minnesota?

Minnesota drivers spend an average of $881 per year on auto insurance, about 16 percent less than the national average.

What is the minimum car insurance in Minnesota?

The minimum car insurance requirements in Minnesota equal bodily injury liability of $30,000 per accident involving one person/$60,000 per accident involving two or more people, property damage liability of $10,000, uninsured/underinsured motorist coverage of $25,000 per accident involving one person/$50,000 per accident involving two or more people, and personal injury protection of at least $40,000 ($20,000 for medical expenses and $20,000 for nonmedical costs like lost wages and replacement services).

What is the grace period for car insurance in Minnesota?

When you purchase a vehicle in Minnesota, you have two to 30 days to purchase auto insurance. If you’re a new resident in Minnesota, you have 60 days to register your vehicle.

Is it illegal not to have car insurance in Minnesota?

It is illegal not to have car insurance in Minnesota. Failure to present proof of insurance results in a fine of at least $200, license and registration suspension until you provide proof of insurance, and additional penalties.



  2. Fancy Parking Lots: States With the Most Collector Cars. Rotowire. (2023, Jul 12).