Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • You can’t drive a car legally in Minnesota without car insurance
  • Travelers insurance boasts an impressive 5-star customer service rating
  • Geico offers its customers discounts for bundling their insurance needs

You are legally required to have car insurance if you live in Minnesota. You want to make sure that you have the best car insurance possible. Different companies offer different options, and some brands are better on price while others are better on customer service or policy options.

Depending on your needs and wants, certain insurance companies may be better than others for you. This list is meant as a general guide to the ten best car insurance companies in Minnesota.

They are all good for different reasons, so read on to determine which insurance company works best for you.

Please also note that you can use our insurance comparison program to price-check or price-match any claims offered by any insurance company. You can compare policy details between dozens of Minnesota auto insurance providers at the click of a button.

Compare Minnesota car insurance companies with our FREE comparison tool! Enter your zip code above to get started!

1. Travelers Insurance

Travelers insurance boasts an impressive 5-star customer service rating, making it one of the easiest companies to deal with over the phone, by email or in person.

While its prices are mid-range, its perks are minimal, and its policy options are ordinary if you’re the kind of customer.

They will help you through your problems no matter what you need, and you will find that you have few complaints.

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2. State Farm

“Like a Good Neighbor, State Farm is There.” State Farm auto insurance has made its brand based on the local approach it uses to connect with customers.

Each locality has its own insurance agent, which makes customer service much better.

Additionally, State Farm offers the insurance flexibility of a smaller insurance company while maintaining the stability and security of a larger brand.

This financial security allows State Farm to offer good deals to certain drivers, though the company is known for charging high-risk drivers significantly more.

3. Progressive

The Progressive insurance company is known for its special doodads and perks that drivers receive when they sign up, chief among them being the safe driving device that you plug into your car.

This will “train” you to be a safer driver by warning you when you’re engaging in unsafe behaviors.

The safer you drive, the lower your car insurance premium will be.

Progressive also offers additional insurance including home, renters’ and life insurance, and you can get good deals by bundling different car insurance policies together.

4. Nationwide

“Nationwide is on Your Side.” Nationwide car insurance is known for offering comprehensive policies at relatively cheap prices, making them the best choice for anyone who wants to get the biggest bang for their buck, so to say.

However, they have had a number of complaints with regard to their customer service.

The TV slogan may be little more than marketing, but if you’re not concerned about customer service and think you won’t spend much time on the phone with the company, then they do have some of the best deals in the business.

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5. Metlife

Typically used for businesses, Metlife car insurance also offers a competitive consumer auto insurance policy to drivers in Minnesota.

The company is known for its customer service and high-quality insurance policies, but its prices may be a bit much for anyone on a shoestring budget.

you’re looking to protect your family and you have the money for a high-end insurance policy, Metlife may be your choice company.

6. Liberty Mutual

Another company known for its bundling deals, the prices of Liberty Mutual insurance may be prohibitive unless you decide to bundle your various policies.

The good news is that Liberty Mutual has been around for quite some time, and they have fingers in every insurance business.

If you insure everything in your life through Liberty Mutual, the overall savings on each type of insurance, including your auto insurance, may be comparable to a cheaper car insurance policy.

The policies themselves are, of course, impeccable, and the customer service is decent.

7. Geico

“Fifteen Minutes Could Save you Fifteen Percent.” Geico made its name by offering the cheapest insurance money could buy, using a web-based insurance application process that was easier than most.

Geared toward the consumer who only purchased auto insurance because it was mandated by law, Geico is not known for the depth of its policies or quality of its customer service.

Nevertheless, Geico has taken on some of the elements of other companies such as “bundling” options, and it remains a powerful force in the auto insurance world.

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8. Esurance

Many industry insiders see eSurance as a sort of “Geico Lite” or “Geico 2.0,” depending on their feelings for the company.

It uses the same general business model, focusing on web-based forms and money-saving techniques to ensure that its customers pay the least possible for their insurance policies.

They are slightly cheaper than Geico overall, though this may vary person by person.

However, they don’t have as much brand recognition, and their level of customer service is limited at best. Used by people who want to do all their insurance dealings online.

9. Allstate

“You’re in Good Hands.” Allstate is known for offering premium auto insurance policies, high-end customer service, and incredible safety and security for drivers.

It is the cream of the crop in the auto insurance world, with prices to match.

If you’ve got the money for it, Allstate is probably the best bet for an auto insurance policy.

The company has in recent years developed a policy option solely meant for people on a budget who just want minimum insurance coverage.

10. AAA

One of the most venerated insurance providers in the country, good old AAA offers Minnesota drivers the option of not only having auto insurance but having a towing service and accident insurance as well.

If you get an AAA insurance policy, you may choose to become an AAA member, giving you the ability to call if your car breaks down or if you’re in an accident and need to be towed to a mechanic.

We urge you to use this list as a guideline to figure out which insurance company is best for you.

However, the only way to be sure that you’re getting the best deal is to use our automatic price checking tool

We can compare the insurance policies and premiums of many auto insurance companies throughout Minnesota.

You can then easily compare and contrast the competing options and choose the best one. Try out our comparison tool today and save on car insurance!

Find the perfect car insurance plan now! Enter your zip code below to get started for FREE!


  1. https://www.carinsurancecompanies.com/
  2. https://www.travelers.com/
  3. https://www.statefarm.com/
  4. https://www.progressive.com/
  5. https://www.nationwide.com/index.jsp
  6. https://www.metlife.com/
  7. https://www.geico.com/
  8. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  9. https://www.aaa.com/stop/