Minnesota's cheapest car insurance 2021

In Minnesota, car insurance is required by law. Car insurance provides valuable protection in a state with over 3,351,400 licenced drivers. In Minnesota, the average driver pays $1,643 for full coverage insurance and $537 for minimum coverage. However, there are several ways for Minnesota drivers to obtain low-cost auto insurance.

Minnesota's cheapest car insurance 2021

Minnesota's cheapest car insurance 2021

It is not difficult to find low-cost car insurance in Minnesota. On average, the following car insurance companies provide the cheapest auto insurance policies in the North Star State:


In terms of overall customer satisfaction, Auto-Owners was rated the best car insurance company in the Central region. It provides comprehensive insurance coverage, attractive discounts, and low-cost policies. A full coverage policy from Auto-Owners costs the average Minnesota driver $1,366 per year, while a minimum coverage policy costs $430.

Automobile Club of Minnesota

AAA's insurance division is Auto Club of Minnesota. Car insurance premiums are slightly higher, but drivers benefit from comprehensive coverage and discounts. Full coverage insurance in Minnesota costs an average of $1,777, while minimum coverage insurance costs $487.

According to AAA, drivers who switch from another insurance provider save an average of $443 per year. AAA members, having an anti-theft device in the vehicle, being a good driver, being a good student, and paying in full all qualify for discounts from the company. Employer and occupation discounts are also available.

Country Financial

Country Financial is a financial services company that operates in 19 states, including Minnesota. There are numerous options for add-on coverage in addition to the standard types of coverage such as comprehensive and collision insurance.

The Keeper® is Country Financial's trademark service that will replace your brand-new car with the exact same make and model if you are in an accident, ensuring that you do not lose any value on your new ride.

There is also emergency road service reimbursement of up to $100, vehicle rental and trip interruption coverage, personal effects coverage of up to $800, and safety glass coverage for your windshield, car windows, and headlights. Local representatives can assist you in determining which coverage is best for you.

Depending on your eligibility, you may be able to save money with discounts such as loyalty, multi-policy, multi-car, legacy, and good driver discounts. There may be special discounts for new drivers, good students, and college graduates, as well as occupational discounts for teachers and public safety officers. There are even discounts for newly couples.

State Farm

Drivers looking for the most affordable car insurance in Minnesota should look no further than State Farm. Full coverage car insurance costs an average of $1,167 per year, while minimum coverage car insurance costs $483.

State Farm is well-known for its discounts in addition to its low rates. Steer Clear for teen drivers and Drive Safe & Save for adults are the company's two safe driver discount programmes. State Farm also offers discounts for good students, no claims, insuring multiple vehicles, taking a defensive driving course, being a student away at school, and driving a safe vehicle.


USAA only sells insurance to active-duty military personnel and veterans. Minnesota drivers who qualify for coverage have access to low rates, excellent customer service, a wide range of coverage options, and a variety of discounts.

With USAA, the average Minnesota driver pays $1,491 per year for full coverage and $461 per year for minimum coverage. Discounts are also available for storing a vehicle on a military base, driving safely, insuring a new vehicle, completing a driver training course, and having a parent who is a USAA member.

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