USAA Minnesota Auto Insurance Rates
Median premium: $506/6mo across 992 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How USAA Compares in Minnesota
Median 6-month premium across all rated ZIPs. USAA highlighted in blue.
Geographic Detail
Cheapest Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Ah Gwah Ching | $428 | -41% |
| Silver Bay | $429 | -41% |
| Two Harbors | $431 | -41% |
Most Expensive Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Almelund | $891 | +22% |
| Minnetonka Beach | $806 | +10% |
| Lake Elmo | $768 | +5% |
USAA Minnesota Insurance FAQ
ZIP Code Lookup
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Other carriers in Minnesota
USAA ranks #1 out of 11 carriers in Minnesota with a median 6-month premium of $506. This places USAA 31% below the statewide median of $731. The carrier covers 992 ZIP codes across the state, with premiums ranging from $428 to $986.
USAA is the cheapest option in 100% of Minnesota ZIP codes (992 ZIPs). The most affordable USAA rates are found in Ah Gwah Ching, where the average premium is just $428. On the other end, Almelund has the highest USAA premiums, averaging $891 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.