Minnesota residents require car insurance to legally operate their vehicles on the road. Choosing the best car insurance company can be a daunting task, as there are numerous providers in the market. To help you make an informed decision, we have researched and compiled a list of the best car insurance companies in Minnesota.
Factors to Consider When Choosing Car Insurance in Minnesota
Before delving into the best car insurance companies in Minnesota, let’s first explore the factors that should be considered when selecting a car insurance provider:
The Coverage Offered
The coverage provided by the car insurance company is an essential factor to consider before selecting one. You need to ensure that the coverage offered meets your needs and requirements. The standard car insurance in Minnesota includes liability coverage, personal injury protection, and uninsured motorist coverage. Other coverage options include comprehensive and collision coverage, rental car reimbursement, and roadside assistance.
Customer Service
The quality of customer service offered by the car insurance company is another factor to consider. You should research the company’s reputation by checking customer reviews and ratings on different platforms such as social media, Google, or Yelp. Additionally, ensure that the company offers prompt and responsive customer service, especially during emergencies.
Premium Costs
Premium costs are another essential factor to consider when choosing car insurance in Minnesota. It is essential to compare the costs offered by different providers to ensure you get the best value for your money. However, avoid solely basing your decision on the cost factor, as it might compromise the coverage and quality of service offered.
Financial Stability
You do not want to be in a situation where you need to file a claim, and the insurance company cannot cover the damages. Therefore, ensure that the car insurance company is financially stable and has a good reputation to avoid such situations.
Best Car Insurance Companies in Minnesota
After considering the factors above, we have compiled a list of some of the best car insurance companies in Minnesota:
Insurance Company |
Rating |
Notable Features |
|---|---|---|
State Farm |
4.7/5 |
Multiple discounts, good customer service |
Progressive |
4.5/5 |
Wide range of coverage options, competitive pricing |
Allstate |
4.5/5 |
Multiple discounts, user-friendly mobile app |
Geico |
4.4/5 |
Competitive pricing, excellent customer service |
USAA |
4.3/5 |
Exclusive to military members and their families, excellent customer service |
1. State Farm
State Farm is one of the largest car insurance companies in the United States, with over 65,000 employees and 19,000 agents. The company provides a wide range of coverage options, including liability coverage, comprehensive and collision coverage, personal injury protection, and uninsured motorist coverage.
State Farm offers multiple discounts, including safe driving, good student, and multiple vehicle discounts. Additionally, the company has excellent customer service, with 24/7 customer support and an easy-to-use mobile app that allows customers to file claims and manage their policies.
Furthermore, the company is financially stable, with an A++ rating from A.M. Best, indicating that it has a superior ability to meet its financial obligations.
2. Progressive
Progressive is another top car insurance provider in Minnesota, with a wide range of coverage options, including liability coverage, comprehensive and collision coverage, personal injury protection, and uninsured motorist coverage. The company also offers additional coverage options such as rental car reimbursement and roadside assistance.
Progressive is known for its competitive pricing, with rates that are lower than the industry average. Additionally, the company provides a wide range of discounts, including safe driving, multiple vehicle, and multi-policy discounts.
Furthermore, Progressive has a user-friendly mobile app that allows customers to manage their policies, file claims, and view their policy documents. The company has an A+ rating from A.M. Best, indicating that it has a strong financial stability record.
3. Allstate
Allstate is a well-known car insurance provider in Minnesota, providing liability coverage, comprehensive and collision coverage, personal injury protection, and uninsured motorist coverage. The company provides multiple discounts, including safe driving, good student, and multiple vehicle discounts.
Allstate’s mobile app is user-friendly and allows customers to file claims, view their policy documents, and manage their policies. The company also offers a Drivewise program that rewards safe drivers with discounts on their premiums.
Allstate has an A+ rating from A.M. Best, indicating that it is financially stable and has a strong ability to meet its financial obligations.
4. Geico
Geico is known for its competitive pricing, with rates that are lower than the industry average. The company offers a wide range of coverage options, including liability coverage, comprehensive and collision coverage, personal injury protection, and uninsured motorist coverage.
The company provides excellent customer service, with a user-friendly mobile app that allows customers to manage their policies, file claims, and view their policy documents. Additionally, Geico offers multiple discounts, including safe driving, good student, and multiple vehicle discounts.
Geico has an A++ rating from A.M. Best, indicating that it has superior financial stability and is capable of meeting its financial obligations.
5. USAA
USAA is exclusively available to military members and their families, offering liability coverage, comprehensive and collision coverage, personal injury protection, and uninsured motorist coverage.
The company provides excellent customer service, with 24/7 customer support and a user-friendly mobile app that allows customers to manage their policies, file claims, and view their policy documents. Additionally, USAA offers multiple discounts, including safe driving, good student, and multiple vehicle discounts.
USAA has an A++ rating from A.M. Best, indicating that it is financially stable and has a superior ability to meet its financial obligations.
FAQs About Car Insurance in Minnesota
1. Is car insurance mandatory in Minnesota?
Yes. Minnesota law requires all drivers to carry liability insurance with a minimum coverage of $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage per accident.
The average car insurance premium in Minnesota is around $1,400 per year.
The car insurance premium in Minnesota is impacted by several factors, including the driver’s age, driving record, location, vehicle make and model, and coverage options selected.
4. Can I purchase additional coverage options with my car insurance policy in Minnesota?
Yes. Minnesota car insurance providers offer a wide range of additional coverage options, including comprehensive and collision coverage, rental car reimbursement, and roadside assistance.
5. Can I get discounts on my car insurance in Minnesota?
Yes. Most car insurance providers in Minnesota offer discounts to their customers, including safe driving, good student, and multiple vehicle discounts.
Choosing the best car insurance provider in Minnesota is critical to ensure that you get the best value for your money. Consider the factors mentioned above to select a car insurance provider that meets your needs and requirements. Additionally, ensure that you research the company’s reputation and financial stability to avoid any unpleasant surprises in the future.