Minnesota Auto Insurance Rates
Median premium: $731/6mo across 11 carriers and 992 ZIP codes.
Premiums range from $619 to $2,874 — a 4.6x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$731
per 6 months
ZIP Codes
992
with rate data
Carriers
11
rated in MN
Price Spread
4.6x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $506 | 992 ZIPs | 100% | |
| 2 | Progressive | $535 | 0 ZIPs | 0% | |
| 3 | Auto-Owners | $632 | 0 ZIPs | 0% | |
| 4 | American Family | $668 | 0 ZIPs | 0% | |
| 5 | Farmers | $675 | 0 ZIPs | 0% | |
| 6 | State Farm | $731 | 0 ZIPs | 0% | |
| 7 | Nationwide | $773 | 0 ZIPs | 0% | |
| 8 | Travelers | $787 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $808 | 0 ZIPs | 0% | |
| 10 | Allstate | $913 | 0 ZIPs | 0% | |
| 11 | GEICO | $1,475 | 0 ZIPs | 0% |
1
$506USAA#1 in 992 ZIPs (100%)
2
$535Progressive#1 in 0 ZIPs (0%)
3
$632Auto-Owners#1 in 0 ZIPs (0%)
4
$668American Family#1 in 0 ZIPs (0%)
5
$675Farmers#1 in 0 ZIPs (0%)
6
$731State Farm#1 in 0 ZIPs (0%)
7
$773Nationwide#1 in 0 ZIPs (0%)
8
$787Travelers#1 in 0 ZIPs (0%)
9
$808Liberty Mutual#1 in 0 ZIPs (0%)
10
$913Allstate#1 in 0 ZIPs (0%)
11
$1,475GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Minnesota
| City | Avg Median | ZIPs |
|---|---|---|
| Silver Bay | $619 | 1 |
| Ah Gwah Ching | $619 | 1 |
| Two Harbors | $622 | 1 |
| Isabella | $626 | 1 |
| Grand Portage | $630 | 1 |
Most Expensive Cities in Minnesota
| City | Avg Median | ZIPs |
|---|---|---|
| Almelund | $1,287 | 1 |
| Minnetonka Beach | $1,164 | 1 |
| Lake Elmo | $1,109 | 1 |
| Waite Park | $1,078 | 2 |
| Harris | $1,054 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,424/6mo
55130 (Saint Paul)
Cheapest ZIP
$619/6mo
55614 (Silver Bay)
4.6x
Price Spread
The most expensive ZIP in Minnesota costs 4.6x more than the cheapest. Your ZIP code matters more than you think.
Minnesota Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Minnesota
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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.
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