Minnesota Insurance Agencies by County

How to Lower Your Car Insurance in Minnesota (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Minnesota? Whether you’re commuting in the Twin Cities, driving in Duluth, or traveling rural roads and winter highways, there are smart ways to keep premiums down. This overview explains how Minnesota insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Minnesota Score You

• Driving history – Accidents, tickets, DUIs, and prior claims impact rates.
• Credit score – Minnesota allows credit-based insurance scoring; better credit often lowers premiums.
• Location – Traffic density and claim frequency vary by county/metro area.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce premiums.

10 Ways to Lower Your Car Insurance in Minnesota

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles if full coverage isn’t cost-effective.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Minnesota Minimum Auto Insurance Requirements

Minnesota is a no-fault state and generally requires liability coverage plus required no-fault coverages (including PIP). Many drivers choose higher limits for better protection.

Winter Roads, Deer, and Comprehensive Coverage

Minnesota drivers face snow/ice, deer collisions, and storm-related damage. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and animal impacts.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.