The type of vehicle you are insuring is one of the primary factors in finding the best cheap coverage for infrequent drivers. Vehicles with limited speed and performance, an excellent safety record, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The table below estimates coverage prices for a handful of the cheapest vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,423 |
| Toyota Prius | $1,577 |
| Ford Edge SEL 2WD | $1,656 |
| Dodge Grand Caravan Hero | $1,688 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,696 |
| Chevrolet Malibu LS | $1,688 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,772 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,775 |
| Ford Escape Limited 2WD | $1,788 |
| Honda CR-V EX-L 2WD | $1,795 |
| Chevrolet Equinox LTZ AWD | $1,807 |
| Nissan Rogue S AWD | $1,810 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,815 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,872 |
| Ford F-350 XL Super Cab Turbo Diesel 2WD | $1,881 |
| Toyota Camry Hybrid | $1,929 |
| Kia Optima EX | $1,935 |
| Nissan Altima 2.5 4-Dr Sedan | $1,932 |
| Toyota RAV4 Sport 4WD | $1,941 |
| Ford Explorer XLT 2WD | $1,959 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in Minneapolis, MN location which can alter rates considerably.
Looking at the numbers, we can conclude that makes and models like the Honda Accord, Toyota Prius, and Ford Edge are most likely to be the most economical vehicles to insure for low mileage drivers.
One of the more important factors that are looked at to determine the cost of insurance is where you live in Minneapolis. More populated areas tend to have more expensive car insurance rates, whereas more rural areas tend to receive slightly lower rates.
The table below ranks the most expensive areas in Minnesota for infrequent drivers to purchase auto insurance in. Minneapolis is ranked at #1 with an annual rate of $2,079 for the average policy, which is approximately $173 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Minneapolis | $2,079 |
| 2 | Saint Paul | $2,070 |
| 3 | Maplewood | $2,005 |
| 4 | Blaine | $1,801 |
| 5 | Richfield | $1,796 |
| 6 | Duluth | $1,794 |
| 7 | Edina | $1,777 |
| 8 | Brooklyn Park | $1,762 |
| 9 | Coon Rapids | $1,739 |
| 10 | Bloomington | $1,739 |
| 11 | Woodbury | $1,731 |
| 12 | Eagan | $1,729 |
| 13 | Eden Prairie | $1,723 |
| 14 | Saint Louis Park | $1,720 |
| 15 | Minnetonka | $1,706 |
| 16 | Plymouth | $1,680 |
| 17 | Maple Grove | $1,673 |
| 18 | Lakeville | $1,666 |
| 19 | Apple Valley | $1,663 |
| 20 | Shakopee | $1,659 |
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Premium costs are approximated as specific location information can modify insurance rates substantially.
Establishing which companies offer the most affordable car insurance rates for infrequent drivers may require more time than just comparing rates from one or two companies. Every auto insurer has their own guidelines for setting rates, so let’s take a look at the car insurance companies with the overall best prices in Minnesota.
We do need to point out that Minnesota car insurance rates are based on many factors which can substantially change the policy price. Getting older, moving to a different location, or getting a driving violation can trigger price changes that can now make some companies more affordable than others.
Best Car Insurance Prices in Minnesota
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $667 |
| 2 | Farm Bureau Mutual | $829 |
| 3 | USAA | $831 |
| 4 | Western National | $928 |
| 5 | The Hartford | $964 |
| 6 | West Bend Mutual | $972 |
| 7 | Allied | $1,174 |
| 8 | State Farm | $1,226 |
| 9 | California Casualty | $1,251 |
| 10 | American Family | $1,280 |
| 11 | General Casualty | $1,300 |
| 12 | Auto-Owners | $1,321 |
| 13 | Auto Club Group | $1,352 |
| 14 | Farmers | $1,365 |
| 15 | Nationwide | $1,378 |
| 16 | Allstate | $1,423 |
| 17 | North Star | $1,432 |
| 18 | Country | $1,455 |
| 19 | Progressive | $1,463 |
| 20 | MetLife | $1,581 |
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Travelers offers some of the lowest car insurance rates in Minneapolis at around $667 annually. This is $754 less than the average policy premium paid by Minnesota drivers of $1,421. Farm Bureau Mutual, USAA, Western National, and The Hartford also are some of the more affordable Minneapolis, MN car insurance companies.
As the example above demonstrates, if you are currently insured with Farm Bureau Mutual and switched to Travelers, you could realize yearly savings of around $162. Customers with USAA could save as much as $164 a year, and Western National customers might realize rate reductions of up to $261 a year.
To get a quick, customized rate comparison, click here to start your custom quote or click through to the companies below.
Bear in mind that those prices are averaged across all drivers and vehicles in Minnesota and are not factoring in a specific zip code for infrequent drivers. So the company that has the lowest price for you may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
The information below demonstrates how choosing different deductibles can increase or decrease annual premium costs when quoting cheap insurance for infrequent drivers. The rate quotes are based on a married female driver, full coverage, and no policy discounts are applied.
A 50-year-old driver could pocket $304 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, can cut up to $748 each year by selecting a higher deductible. When increasing deductibles, it will be required to have enough funds in savings to be able to cover the extra out-of-pocket expense associated with higher deductibles.
What is the best car insurance company in Minnesota?
Insuring your vehicle with a highly-rated auto insurance company is difficult considering how many different companies sell coverage in Minnesota. The company rank data shown next may help you choose which car insurance providers to look at when shopping car insurance rates for infrequent drivers. These rankings include large nationwide companies, so companies with more of a regional focus are not included in the list.
Top 10 Large Car Insurance Companies in Minneapolis Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Top 10 Large Car Insurance Companies in Minneapolis Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Progressive – A+
- Allstate – A+
- The General – A-
A good deal can quickly turn bad
Minneapolis car insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay. Improving your credit rating, becoming a homeowner, or getting into an accident may cause policy rate changes that may make certain companies cheaper than others. Not only may your situation change, but companies amend pricing every year as an adjustment for underwriting gains or losses. Heavier than normal losses can result in price increases, while profitable underwriting can produce more affordable Minneapolis car insurance rates.
To illustrate this point, the graph below demonstrates which company has the cheapest car insurance in Minneapolis, MN for a 45-year-old female driver with a good driving record, no prior claims, and solid credit. If we compare prices based on her personal profile, Travelers may offer the cheapest car insurance rates in Minneapolis at $904 a year. This is $517 less than the average policy premium paid by Minnesota drivers of $1,421. USAA, Farm Bureau Mutual, Western National, and West Bend Mutual are also on the list of the cheapest Minneapolis, MN auto insurance companies.
The example below compares rates after we give the driver from above a chargeable claim, a little lower credit rating, and a traffic ticket or two. Due to the fact that every insurance company has their own guidelines to establish rates, getting updated rate quotes will most likely result in a significantly different list of the cheapest companies as shown below.
USAA now has the best price on car insurance in Minneapolis with Farm Bureau Mutual, Allied, State Farm, and Travelers now rounding out the top five. This demonstrates why it is critical to perform an extensive rate comparison when trying to get the cheapest car insurance quotes for infrequent drivers.
Insurance prices are made up of many factors and can decrease or increase without notice, so the most economical company when you bought your policy may now be priced much higher than other options.
If you aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping around for cheaper insurance for infrequent drivers, the professional agents shown below can aid you in deciding which insurance coverage will be best for you.
To locate a Minneapolis car insurance agency near you, click the button below the list or click here to compare price quotes now.
Semlak Miernicki Insurance Agency
2657 Dupont Ave S – Minneapolis, MN 55408 – (612) 208-0873
Minneapolis Insurance Specialists Team
333 N Washington Ave – Minneapolis, MN 55401 – (612) 460-7796
Farmers Insurance – Matthew Nye
2104 Stevens Ave #309 – Minneapolis, MN 55404 – (612) 979-2330
RC4 Insurance Agency, LLC
7220 Metro Blvd #150 – Minneapolis, MN 55439 – (952) 896-9542
Minneapolis St. Paul Agency Insurance and Risk Management
2469 University Ave W – St Paul, MN 55114 – (651) 647-9665
More insurance agents in Minneapolis, MN
How to find economical insurance for infrequent drivers
The list below shows some money-saving ideas that can help Minneapolis drivers quote low-cost auto insurance.
- Higher credit ratings may save you money
- Frequent claims will increase rates
- Maintain a clean driving record
- Bundle home and auto and save
- Higher comprehensive and collision coverage deductibles will save money
- Prevent price hikes by avoiding at-fault accidents
- Compare rates regularly to ensure the best deal
The last suggestion is notably significant, as was noted in this article. Prices charged by auto insurers can be modified anytime, so drivers shouldn’t hesitate to change to a new company if you find a better deal. Many consumers stick with the same company and that’s fine, but it’s not a great idea if that dedication is costing thousands of dollars over several years. It takes less than five minutes to compare rates to find cheaper auto insurance for infrequent drivers in Minneapolis.