State Farm Minnesota Auto Insurance Rates
Median premium: $731/6mo across 992 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How State Farm Compares in Minnesota
Median 6-month premium across all rated ZIPs. State Farm highlighted in blue.
Geographic Detail
Cheapest Cities for State Farm
| City | Avg Premium | vs. State Median |
|---|---|---|
| Silver Bay | $619 | -15% |
| Ah Gwah Ching | $619 | -15% |
| Two Harbors | $622 | -15% |
Most Expensive Cities for State Farm
| City | Avg Premium | vs. State Median |
|---|---|---|
| Almelund | $1,287 | +76% |
| Minnetonka Beach | $1,164 | +59% |
| Lake Elmo | $1,109 | +52% |
State Farm Minnesota Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to see State Farm's rate in your area.
Other carriers in Minnesota
State Farm ranks #6 out of 11 carriers in Minnesota with a median 6-month premium of $731. This places State Farm 0% below the statewide median of $731. The carrier covers 992 ZIP codes across the state, with premiums ranging from $619 to $1,424.
State Farm is the cheapest option in 0% of Minnesota ZIP codes (0 ZIPs). The most affordable State Farm rates are found in Silver Bay, where the average premium is just $619. On the other end, Almelund has the highest State Farm premiums, averaging $1,287 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 11 carriers, 992 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.