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Minnesota’s Minimum Car Insurance Requirements, Cheapest Insurers by Rate & Age, & Cost Saving Strategies

Minnesota is state with comprehensive and strict insurance laws. The state is a no-fault state which means every driver is going to be required to carry Personal Injury Protection or (PIP).

The no-fault status of the state helps to increase the claims process no matter who is at-fault during the accident and has reduced the amount of insurance fraud for the state of MN.

Minnesota Minimum Auto Insurance Requirements

CoverageMN Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$30,000 / $60,000$100,000 / $300,000
Property Damage$10,000$10,000
Uninsured Motorist Coverage$25,000 / $50,000$100,000 / $300,000
Underinsured Motorist Coverage$25,000 / $50,000$100,000 / $300,000
Personal Injury Protection$40,000$40,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Personal Injury Protection

  • $40,000 per person per accident and $20,000 for hospital/medical expenses and $20,000 for non-medical expenses such as lost wages, replacement services, etc.

Lowest premium options for a 25 year old driver in Minnesota

Note: The lowest prices queried are Farm Bureau Mutual, Erie, and West Bend Mutual for a 25 year old driver. This female driver owned a 2013 Hyundai Tucson, no driving violations, and decent credit. For more details please see rate table below.

Bodily Injury Liability

  • $30,000 for injuries to one person & $60,000 for injuries to two or more people

Property Damage Liability

  • $10,000 for physical damage to the other driver’s vehicle or for damage to property

MN cheap premium choices for a 30 year old.

Note: A 30 year old can quotes clustering between $1,409 and $1,566. The least expensive is Farm Bureau. The most expensive queried is Western National. For additional details please see table below.

Uninsured and Underinsured

  • $25,000 for injuries to one person & $50,000 for injuries to two or more people

Although these are the minimums most drivers carry more insurance in the state of Minnesota including comprehensive and collision cover.

It is important to note if you have financed your vehicle, the bank, which technically owns the car while it is finance, will require you to carry the minimum cover including comprehensive and collision.

Lowest carrier options by price for a 35 year old

Note: The lowest priced carrier for a 35 year old driver are with Farm Bureau Mutual, Erie, and West Bend Mutual.

Cheapest Insurers by Age & Carrier

RankMN Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Farm Bureau Mutual$1,644$1,409$1,008$865$703$590
3GEICO$1,688$1,422$1,087$890$755$603
4Erie$1,733$1,455$1,132$932$760$605
5West Bend Mutual$1,811$1,490$1,154$943$780$609
13State Farm$1,844$1,543$1,176$955$803$612
6Western National$1,920$1,566$1,230$990$822$644
18Allstate$1,980$1,621$1,245$965$865$630
7American Family$1,999$1,665$1,290$978$860$650
8Progressive$2,004$1,680$1,321$1,054$870$680
17Allied$2,143$1,690$1,359$1,065$902$700
12Farmers$2,165$1,755$1,407$1,090$954$704
10Encompass$2,221$1,786$1,454$1,120$959$709
11MetLife$2,234$1,790$1,456$1,154$980$776
14Liberty Mutual$2,247$1,834$1,465$1,170$984$780
15Nationwide$2,553$1,876$1,480$1,204$999$756

Cheapest insurers by price for a 40 year old.

Note: As illustrated, the least expensive carriers are Farm Bureau Mutual and Erie. Each queried at $865 and $932 for full coverage. Additional details in table above.

Force Insurance by Lending Institutions

If you do not purchase the non-mandatory insurance then the lending institution may buy it and charge you for the premium. This is called “force insurance” which is very expensive.

Banks and lending institutions will pay for comprehensive and collision insurance and will charge you for the amount of the cover which can be hundreds of dollars.

They will enforce the insurance plan as long as you do not provide evidence of both types of cover.

Affordable premium prices for a 45 year old driver.

Note: A 45 year old driver with good driving history and decent credit should be able to find quotes between $703 and $822.

Comprehensive & Collision Coverage

Even if you have not financed your vehicle you want to consider comprehensive and collision coverage since the Twin Cities has severe weather during the winter season and this will protect you in case you may hit a animal, such as deer, or cracked glass from hail.

Best and lowest picks for an auto premium for a 55 year old.

Note: The most affordable insurer for a 55 year old driver is Farm Bureau Mutual at $590 per year for full coverage. Please see rate table above for additional details.

Fines & Penalties for Uninsured Drivers

Not only does Minnesota have strict laws for car insurance the penalties for not carrying insurance are higher than the nations average. First time offenders can have a fine of $1,000 plus court cost and fees.

If you are unable to provide proof of insurance to the police officer your fine may be waived if you are able to provide proof of insurance at the time of your court date.

Best Insurers by Consumer Rating, Complaints, & Rate Change Over 18 Months

MN CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm$703,638,000+2.0%984.4
Nationwide$396,846,371 +1.9%424.2
Progressive$409,758,000+1.8%294.4
Erie$160,015,448 +1.7%144.2
Liberty Mutual$112,373,000 +1.9%224.4
MetLife$19,883,591+2.2%93.8
American Family$335,542,000 +2.0%813.8
West Bend Mutual$41,772,163+2.5%93.8
USAA$78,017,000+1.4%84.7
Travelers$56,441,120+2.0%124.5
GEICO$182,491,000+1.7%214.5
Farm Bureau Mutual$89,761,971+2.2%94.2
Amica$15,854,328+2.4%53.9
Western National$24,365,820 +2.5%53.9
Allstate$161,117,000+1.7%214.4
AAA$76,869,000+2.1%94.3
National General$71,543,771 +2.1%64.4
Hartford$22,494,068+2.1%24.2
Farmers$35,769,120+1.7%44.3

Plans & Strategies to Reduce Overall Premium

The most effective ways to reduce insurance costs in the state of MN are as follows:

  • Be sure to comparison shop – we have a comparison tool at the top of the page

  • Be sure to talk to more than one agent and insurance firm

  • Consider increasing your deductible which will lower your monthly premium

  • Always ask the insurance firm for any available discounts

  • Consider taking a defensive driving course recommend by the state

Average Premium by City

CityAvg PremiumPopulationCityAvg PremiumPopulationCityAvg PremiumCity
Alexandria$1,43311,843Easton$1,311194Moorhead$1,48842,005
Apple Valley$1,47651,221Eden Prairie$1,78663,496Plymouth$1,49075,907
Blaine$1,48762,124Edina$1,82150,138Richfield$1,50836,216
Brainerd$1,80113,371 Lakeville$1,63360,633Rochester$1,811112,225
Brooklyn Center$1,52130,770Mankato$1,64841,044Shakopee$1,62139,981
Burnsville$1,46661,481Maple Grove$1,67568,387Saint Paul$1,821300,851
Champlin$1,46223,894Maplewood$1,68740,567St. Cloud $1,56667,109
Cottage Grove$1,42835,918Marshall$1,83313,652St. Louis Park $1,50348,171
Duluth$1,53786,110Minneapolis$1,809410,939Woodbury$1,48567,855

Minneapolis, MN

Minneapolis CompanyAvg Annual Rate for 30 Y/O DriverAvg Annual Rate for 45 Y/O DriverAvg Annual Rate for 55 Y/O Driver
Farm Bureau Mutual$1,087$876$643
GEICO$1,134$890$678
American Family$1,156$932$708
Western National$1,240$965$721
West Bend Mutual$1,287$980$732
State Farm$1,369$1,020$745
Allstate$1,401$1,086$765

Minneapolis is the biggest city in the state with 420,000 residents. With a metropolitan population of 3.3 million. It and adjacent St. Paul were dubbed “the Twin Cities” by Mark Twain.

St. Anthony Falls, the only waterfall on the Mississippi River, supplied electricity for dozens of Minneapolis flour and lumber mills built in the late 19th century.

Within a short time, the city was the flour milling capital of the world; industry giants Pillsbury and General Mills are still based there.

Today, Minneapolis is a modern city with more skyscrapers than mills, and additional Fortune 500 companies Target, Best Buy, Northwest Airlines, Xcel Energy and Medtronic based in the area.

A thriving economy coupled with a safe, affordable environment make Minneapolis a great place to live, ranking it high on many publications’ list of top cities.

Neat Facts about Minneapolis

  1. The delicious Honey Crisp Apple was created in an apple breeding program at U. of M.

  2. The are more than 10,000 cyclists on the roads at any given time.

  3. There are more golfers per capita in Minneapolis than any other city.

  4. The nation’s first Better Business Bureau was founded in Minneapolis in 1912.

Getting a lower premium in Minneapolis is fairly easy if you get quotes from Farm Bureau Mutual, American Family, and Western National. Each at $1,087, $1,156, and $1,240 respectfully for a 30 year old driver. Which is over 32% lower than the “mean” rate of $1,809 per year.

A 45 year old can find cheap quotes with Farm Bureau Mutual, American Family, and Western National. The lowest is Farm Bureau at $876 per year for full coverage. Which is 40% lower than the “mean” rate. Or over $4,500 in yearly savings.

A 55 year old can find one carrier for less than $700 per year. Farm Bureau Mutual at $643. In fact, for a senior driver, any of the carriers illustrated are worth getting quotes from.

Out of the 7 carriers we queried the most expensive is Allstate at $1,401 for a 30 year old, $1,086 for a 45 year old, and $765 for a 55 year old driver.

Minneapolis cheapest auto premium prices for a 30, 45, and 55 year old.

Saint Paul, MN

Saint Paul CompanyAvg Annual Rate for 30 Y/O DriverAvg Annual Rate for 45 Y/O DriverAvg Annual Rate for 55 Y/O Driver
Farm Bureau Mutual$1,129$930$720
West Bend Mutual$1,187$955$745
GEICO$1,231$987$765
American Family$1,265$1,040$810
Western National$1,290$1,055$825
State Farm$1,343$1,088$868
Allstate$1,389$1,120$896

The 2nd largest city in the state is St. Paul with 310,000 residents. St. Paul is located on the Mississippi River, which separates it from Minneapolis, in eastern Minnesota, near the Wisconsin border.

The Twin Cities are home to 19 Fortune 1000 company headquarters, seven of which are in St. Paul. Some of the most beautiful Victorian homes can be found in St. Paul. Along Summit Avenue, the city considers it the longest stretch of restored Victorian Homes in the nation.

Interesting Facts about St. Paul

  1. St. Paul was once home to a large population of Native Americans.

  2. The City earned a reputation as a hotspot for gangs and criminals during the Prohibition.

  3. Along with the Mississippi River, St. Paul is also within range of 22 different lakes that are home to a great variety of wildlife.

For residents to get a cheaper auto premium the best choices are Farm Bureau Mutual, West Bend Mutual, and American Family. Each at $1,129, $1,187, and $1,265 respectfully for a 30 year old driver. Which is 31% lower than the citywide average rate of $1,821. Or more than $400 lower per month.

For a 45 year old driver we queried two carriers less than $1,000 per year. Farm Bureau and West Bend Mutual. Each at $930 and $955 per year of full coverage. American Family, Western National, and State Farm clustered between $1,040 and $1,088. Which is 27% lower than the “mean” rate.

A 55 year old driver can find cheap quotes with Farm Bureau and West Bend Mutual. Each at $720 and $755 respectfully. Or more than $290 savings than comparable insurers.

Out of the 7 carriers we queried for St. Paul residents the most expensive is Allstate. For a 30 year old we queried them at $1,389 for a 30 year old, $1,120 for a 45 year old, and $896 for a 55 year old. Which is 21% lower than the “mean” rate of St. Paul.

St. Paul lowest premium choices for a 30 and 45 year old.

Rochester, MN

Rochester CompanyAvg Annual Rate for 30 Y/O DriverAvg Annual Rate for 45 Y/O DriverAvg Annual Rate for 55 Y/O Driver
West Bend Mutual$1,165$890$725
Farm Bureau Mutual$1,254$925$764
GEICO$1,287$976$825
Western National$1,367$1,045$861
American Family$1,402$1,076$910
State Farm$1,433$1,149$953
Allstate$1,480$1,188$987

Rochester is the 3rd largest city in the state with 120,000 residents. And best known as the birthplace and home of the world-renowned Mayo Clinic. 

There are a multitude of attractions in Rochester. Heritage House, located in the city’s 1856 Town Square Central Park, depicts the way of life of a middle class Midwestern family as it existed 100 years ago.

The History Center of Olmsted County contains rare pictures, maps, diaries, and exhibits chronicling Rochester’s story as a world leader in health care. The Mayo Clinic is itself a storied attraction, offering tours and a look behind the scenes of one of the world’s premier health care facilities.

For outdoor enthusiasts the city offers Quarry Hill Nature Center with numerous trails for biking, hiking, and cross-country skiing.

If you want cheaper rates then get quotes from West Bend Mutual, Farm Bureau Mutual, and Western National. We queried each at $1,165, $1,254, and $1,367 respectfully for a 30 year old. Which is 30% lower than the average rate of $1,811 in Rochester. The other carriers queried clustered over $1,400 for full coverage. Which is 20% lower than the “mean” rate.

For a 45 year old the best options are West Bend Mutual, Farm Bureau, and Western National. We queried each at $890, $925, and $1,045 respectfully per year for full coverage. West Bend Mutual offers more than $500 in savings with an extremely low quote.

For a 55 year old the least expensive carriers are West Bend and Farm Bureau Mutual. We queried each at $725 and $764 per year. Or more than 34% lower than the “mean” rate for carriers of comparable age.

Out of the 7 carriers queried in Rochester the most expensive is Allstate. A 30 year old we queried at $1,480 per year, $1,188 for a 45 year old, and $987 for a 55 year old. Which is 15% lower than the citywide average premium.

Rochester affordable insurer prices for 30 and 45 year old.

Bloomington, MN

Bloomington CompanyAvg Annual Rate for 30 Y/O DriverAvg Annual Rate for 45 Y/O DriverAvg Annual Rate for 55 Y/O Driver
West Bend Mutual$1,128$905$708
Farm Bureau Mutual$1,209$965$716
GEICO$1,244$1,068$750
Western National$1,249$1,120$789
American Family$1,302$1,138$808
State Farm$1,354$1,176$852
Allstate$1,370$1,165$890

Bloomington is the 5th largest city and considered a suburb of Minneapolis. The city is most famous for being the home of the nation’s largest shopping center, the Mall of America. 

The crown jewel of Bloomington’s tourist industry is the Mall of America, the largest visitor attraction in Minnesota. The Mall boasts over 500 stores, small and large, plus theaters, food, and much more.

A more recent Bloomington attraction is the Water Park of America. Opened for business in May 2006, the facility claims to be the largest indoor water park in the U.S. The park sports a unique look, attached to a hotel with water-slide tubes exiting and then re-entering the side of the hotel building.

Because of Mall of America, the city has more jobs per capita than either St. Paul or Minneapolis.

Residents can find cheap auto insurance if they know where to get quotes. Start with West Bend and Farm Bureau Mutual. Each queried at $1,128 and $1,209 for a 30 year old. Western National is $40 more at $1,249 per year. All three are 30% lower than the city average rate of $1,800 per year. Or more than $450 in savings from similar insurers.

For a 45 year old we found two carriers less than $1,000 per year, West Bend and Farm Bureau Mutual. Each at $905 and $965 for full coverage. Which is 36% lower than the “mean” premium. The other carriers illustrated clustered between $1,100 and $1,200 per year. Which is 24% lower than the average rate for the most expensive carrier queried.

For a 55 year old driver the cheapest quotes are with West Bend Mutual, Farm Bureau Mutual, and Western National. We queried each at $708, $716, and $750 respectfully per year for full coverage.

Bloomington, MN lowest price auto premium for 30 and 45 year old.

Mankato, MN

Mankato CompanyAvg Annual Rate for 30 Y/O DriverAvg Annual Rate for 45 Y/O DriverAvg Annual Rate for 55 Y/O Driver
West Bend Mutual$980$790$644
Farm Bureau Mutual$1,054$803$650
GEICO$1,080$843$689
Western National$1,142$860$721
American Family$1,185$910$759
State Farm$1,254$987$805
Allstate$1,302$1,065$839

Mankato is a city 80 miles southwest of the Twin Cities. The city’s original name was Mahkato, a Dakota Indian term meaning “greenish blue earth.” An early spelling error which was never corrected caused the name to become Mankato.

In 1862, a conflict between the U.S. and the Dakota Indians (known as the “Sioux Uprising” in reference to the Dakota tribe’s alternate moniker of Sioux) resulted in the largest mass execution in the nation’s history when 38 Dakota Indians were hanged in Mankato.

The city received its charter in 1868, the same year that Minnesota’s second Normal School was established in the city. A teacher’s college until after World War II, the school expanded its curriculum to include science and fine arts courses and became Mankato State College and later Mankato State University before being renamed Minnesota State University in 1999.

If you want to lower your auto premium then start by getting quotes from West Bend Mutual, Farm Bureau Mutual, and Western National. We queried each at $980, $1,054, and $1,142 for a 30 year old driver. Which is 26% lower than the “mean” rate of $1,648 per year.

For a 45 year old the lowest quotes are with West Bend ($790), Farm Bureau Mutual ($803), and Western National ($860). Each at 21% lower than the citywide average rate for full coverage.

A 55 year old driver can find the lowest quotes with West Bend and Farm Bureau Mutual. We queried at $644 and $650 per year for full coverage.

Mankato inexpensive premium price choices for 30 and 45 year old.

Resources & DVS Information

Department of InsuranceDepartment of TransportationDriver & Vehicle Services
133 7th St E, St Paul, MN 55101
(651) 296-2488
2900 48th St NW, Rochester, MN 55901
(507) 286-7500
445 Minnesota St, St Paul, MN 55101
(651) 297-3298
WebsiteWebsiteWebsite
Sources

https://mn.gov/commerce/consumers/your-vehicle/auto-insurance/auto-insurance-basics/

https://mn.gov/commerce/consumers/your-vehicle/auto-insurance/shopping-for-car-insurance.jsp

https://www.iii.org/fact-statistic/facts-statistics-auto-insurance

http://www.naic.org/

https://www.allstate.com/auto-insurance/minnesota-auto-insurance-coverages.aspx

https://www.nationwide.com/minnesota-auto-insurance.jsp

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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