Cheapest Auto Insurance in Minnesota
To answer the question of which company had the cheapest car insurance rates, we analyzed quotes in 105 cities across the state for a single 30 year old man. We then averaged the annual premiums for our sample drivers by company, and used that as a benchmark to determine which companies had the lowest rates.Based on our analysis, we found that Farm Bureau Mutual, West Bend Mutual and GEICO had the best rates for auto insurance in Minnesota. Note that the Farm Bureau Mutual requires an annual membership for Minnesota drivers to be eligible for their products, including auto insurance. Membership dues depend on the county drivers live in, and range from $47 in Sherburne to $85 in Goodhue and Wabasha. Most counties set their dues at $65 per year. For more information on dues and membership with the Minnesota Farm Bureau, click here. The following list shows the 12 best car insurers in Minnesota.
| Rank | Auto Insurance Company | Average Annual Rates |
|---|---|---|
| 1 | Farm Bureau Mutual* (requires membership) | $854 |
| 2 | West Bend Mutual | $997 |
| 3 | GEICO | $1,011 |
| 4 | Western National | $1,174 |
| 5 | American Family | $1,185 |
| 6 | State Farm | $1,212 |
| 7 | Allied | $1,267 |
| 8 | Farmers | $1,469 |
| 9 | Allstate | $1,568 |
| 10 | Progressive | $1,575 |
| 11 | Encompass | $2,744 |
| 12 | MetLife | $2,811 |
Your rates can be completely different just based on your own driving circumstances, including the number of tickets or claims, the car you drive, and how much additional or optional types of coverage you choose.