Moving to Minnesota comes with the benefit of lower car insurance rates compared to the national average. However, it’s important to remember that low rates don’t always equate to the best coverage. In this article, we will review the best car insurance companies in Minnesota to help you make an informed decision.
State Farm is our top pick for Minnesota drivers. With flexible and affordable coverage options, State Farm offers standard coverages along with valuable add-on options like accident forgiveness, gap insurance, and rideshare insurance. The company has a strong industry reputation and outstanding performance in consumer studies, making it a reliable choice for most drivers in the North Star State.
Geico is another great option, especially for drivers with a recent accident on their records. Geico offers customizable full- and minimum-coverage car insurance with up to 16 discounts available. Their DriveEasy program can also help lower rates for safe drivers.
American Family Insurance is a highly rated provider that offers affordable coverage, particularly for drivers with a recent at-fault accident. The company is known for its low rates for high-risk drivers, making it a good choice for those with a less-than-perfect driving history.
USAA is a top pick for military members, veterans, and their families. With affordable coverage and quality customer service, USAA offers versatile coverage add-ons and is known for its great discount opportunities.
Travelers, while not our top choice for Minnesota drivers, offers well-rounded coverage and service. The company has a long history of quality coverage and offers accident forgiveness to help keep rates low.
When shopping for car insurance in Minnesota, it’s important to make sure you have enough coverage. While the state requires minimum liability and personal injury protection, a full-coverage policy offers higher coverage limits and additional protections. Be upfront about any accidents on your record, as some providers offer discounted rates for drivers with accident forgiveness.
Look for discount opportunities to save on your car insurance premiums. Many providers offer discounts for things like paperless billing, autopay, and vanishing deductibles. Bundling different insurance policies and practicing safe driving can also help you qualify for additional discounts.
On average, Minnesota drivers pay $1,766 per year for full-coverage car insurance, which is below the national average. The state’s minimum coverage is also more affordable than the national average, costing drivers around $481 per year.
In conclusion, State Farm is our top recommendation for the best car insurance company in Minnesota. However, Geico, American Family Insurance, USAA, and Travelers are also reputable options to consider. Remember to compare quotes, consider coverage options, and take advantage of discounts to find the best car insurance for your needs in Minnesota.