Country Guide
Best Car Insurance in Minnesota (2026)
Minnesota is a no-fault state. Compare top carriers to navigate MN PIP requirements and find the best rates.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Minnesota
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Agent network | $1,440/yr | — |
| 2 | USAA | Military families | $1,080/yr | — |
| 3 | Progressive | High-risk drivers | $1,620/yr | — |
| 4 | American Family | Midwest coverage | $1,560/yr | — |
| 5 | Auto-Owners | Local agents | $1,380/yr | — |