The Best Auto Insurance in Minneapolis

Allstate is one of the largest insurance providers in the country and one of the few major providers to offer pay-per-mile insurance. It offers a wide range of policies, including coverage for motorhomes and RVs. You can get a quote online or through an Allstate agent who knows more about your particular neighborhood. Regardless, Allstate provides many options for customer service and holds an A+ rating for its financial strength.

Pay-Per-Mile Coverage

On average, people in Minneapolis drive fewer than 7,500 miles per year — usually, mileage falls between 5,500 and 7,000 miles annually.²

If you drive infrequently — for example, because you take alternate transportation to work, are retired or a student, or work from home — you may save money with a pay-per-mile insurance plan.

Allstate’s pay-per-mile insurance, called Milewise, is available in 21 states including Minnesota. With Milewise, you’ll pay a flat daily rate plus a per-mile rate. For example:

Similar to a traditional auto policy, your daily and per-mile rate are determined by factors like your age, vehicle, ZIP code, and driver history. Additionally, Minnesota is one of several states in which your rates may fluctuate based on driving behavior, which includes:

• Driving over 80 mph
• Braking suddenly
• Late-night driving, between 11 p.m. and 4 a.m.

If you have multiple vehicles on the same policy, you can choose whether to designate each as pay per mile or traditional unlimited mileage.

Insurance for Your Camper

Minnesota’s state forests have 46 campgrounds with 1,000 campsites. State parks and state recreation areas have more than 5,000 campsites, plus thousands of miles of rugged or paved state trails.³ If your preferred mode of transport for camping is an RV, Allstate is your best bet for insuring the vehicle. RV insurance from Allstate includes:

• Bodily injury liability
• Property damage liability
• Collision coverage
• Comprehensive coverage
• Personal effects coverage
• Medical payments coverage
• Personal injury protection (PIP)
• Uninsured/underinsured motorist coverage
• Towing and labor
• Total loss replacement
• Vacation liability
• Emergency expense
• Full-timer’s liability coverage
• Pet coverage
• Tow bar coverage

RV Discounts

Allstate’s homeowners discount applies to your RV if you live in it full time more than six months a year. Allstate also offers a discount if you complete an approved RV safety course. Other discounts, including a married discount, paid-in-full discount, and paperless discount, apply across vehicles, including RVs.

Farm Bureau Financial Services provides competitive insurance rates and good customer service. The company caters to the agricultural industry in particular, so it’s a great option for farmers and people living in rural communities outside of Minneapolis. Its insurance products are available only to members who pay a fee of $25 to $50 for access to insurance products and membership perks.

Expanded insurance products

Farm Bureau Financial Services goes above and beyond standard auto insurance offerings. Its insurance products include:

• Business insurance
• Condo insurance
• Classic car insurance
• Farm and ranch insurance
• Farm vehicle insurance
• Health insurance
• Home insurance
• Life insurance
• Mobile home insurance
• Motorcycle insurance
• Recreational vehicle insurance
• Renters insurance
• Umbrella insurance

Safe Driving Perks

Traffic fatalities increased by 8 percent in Minneapolis between 2019 and 2020.⁴ Staying safe on the road benefits you, your loved ones, and everyone driving with or near you. Farm Bureau’s safe driving program, Driveology, uses telematics to provide feedback on your driving and earns you a discount on your premium. Young drivers also get a 25 percent discount on their premium when they complete Farm Bureau’s Young Driver Safety Program.

Farm Vehicle Insurance

The food and agriculture industries support 388,134 jobs in Minnesota. The state ranks fifth in crops and seventh in total agricultural production in the state. Minnesota is also a top manufacturer of agricultural machinery, with companies like Bobcat and Tafco operating in the state.⁵

Farm Bureau’s farm vehicle insurance provides protection for trucks, tractor-trailers, and more. Coverage includes liability, collision, and uninsured/underinsured motorist. Farm Bureau sends out a local agent to analyze your farm or ranch and determine the coverage you need before you sign your policy so you won’t have any coverage gaps.

USAA provides auto insurance only to the military, veterans, and their families. Employees and active-duty military who work at Minneapolis-St. Paul Air Reserve Station can take advantage of USAA’s reasonable auto insurance premiums and discounts specifically for customers in the military. J.D. Power doesn’t rank USAA among other insurance companies in its annual customer satisfaction survey, but its customers rate it even higher than the top-ranked insurance provider in the Central region.

Military Benefits

Minneapolis-St. Paul Air Reserve Station is home to the 934th Airlift Wing, the “Global Vikings,” Minnesota’s only Air Force Reserve unit. The base supports approximately 5,000 members of the Air Force, Air Force Reserve Command, Minnesota Air National Guard, Army Reserve, Naval Reserve, Marine Corps Reserve, and Civil Air Patrol.

USAA’s benefits for military members extend beyond its rates. The company offers a military on-base discount of up to 15 percent on your comprehensive coverage when you garage your car on base and a vehicle storage discount of up to 60 percent on your premium if you need to store your insured vehicle in a secure location while traveling for military service. Another benefit for active-duty military is USAA’s low-mileage program with Noblr, a USAA company. This usage-based program charges based on how much and how safely you drive, so you pay less if you don’t drive your car often (or at all) while on base or deployed outside of Minneapolis.

Aviation Insurance

USAA offers personal and business aviation insurance — including commercial-use drones — through Falcon Insurance. Some examples of coverage options include:

• Flying single-engine, light jet, or experimental aircrafts
• Repairing and maintaining aircrafts
• Working in aviation manufacturing
• Fuel sales and hangar rentals
• Owning or operating a business jet or a fleet
• Aerial photography business
• Operating a flight school
• Learning to fly
• Instructing or flying someone else’s aircraft

Service Offerings

USAA backs up its high customer satisfaction score with quality customer service offerings. It offers 24/7 claims reporting online, no payment plan fees, and mobile policy management. You can also access 24/7 roadside assistance and accident forgiveness as optional coverages on your plan.

State Farm is one of our top picks for provincial insurance because of its safe driving discounts and many exclusive agents. No matter where you live, State Farm provides a wide range of insurance products, online support options, and mobile capabilities. State Farm’s local agents — of which there are at least 25 in Minneapolis — know the lay of the land in your locality. This makes them an invaluable addition to your insurance quote and policy process.

Exclusive Agents

State Farm’s exclusive agents in Minneapolis can sell State Farm products and only State Farm products. The benefit to you is their depth of knowledge of State Farm’s offerings, discounts, and eligibility requirements. Use State Farm’s agent search function to find a local agent in your area.

Safe Driving Perks

Safe Drivers win at State Farm. The company offers multiple safe driving discount programs. These include:

• Drive Safe & Save
• Steer Clear
• Accident-free
• Defensive driving
• Good driver