Car Insurance After an Accident in Minnesota: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Minnesota increases insurance by 37%, raising full coverage from $1,878/year to $2,573/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$157/mo
After At-Fault Accident (+37%)
$214/mo
Cheapest Companies After Accident in Minnesota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $159/mo | $1,904/yr | Military families |
| Erie Insurance | $169/mo | $2,033/yr | Rate lock guarantee |
| GEICO | $176/mo | $2,110/yr | Clean driving record |
| Progressive | $189/mo | $2,264/yr | Telematics savings |
| State Farm | $195/mo | $2,341/yr | Good students |
| Travelers | $204/mo | $2,444/yr | Multiple discounts |
| Nationwide | $223/mo | $2,676/yr | Bundling home + auto |
| Farmers | $232/mo | $2,779/yr | Signal telematics |
| Allstate | $240/mo | $2,882/yr | Accident forgiveness |
| Liberty Mutual | $253/mo | $3,036/yr | New car replacement |
USAACheapest
Monthly
$159/mo
Annual
$1,904/yr
Best for: Military families
Erie Insurance
Monthly
$169/mo
Annual
$2,033/yr
Best for: Rate lock guarantee
GEICO
Monthly
$176/mo
Annual
$2,110/yr
Best for: Clean driving record
Progressive
Monthly
$189/mo
Annual
$2,264/yr
Best for: Telematics savings
State Farm
Monthly
$195/mo
Annual
$2,341/yr
Best for: Good students
Travelers
Monthly
$204/mo
Annual
$2,444/yr
Best for: Multiple discounts
Nationwide
Monthly
$223/mo
Annual
$2,676/yr
Best for: Bundling home + auto
Farmers
Monthly
$232/mo
Annual
$2,779/yr
Best for: Signal telematics
Allstate
Monthly
$240/mo
Annual
$2,882/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$253/mo
Annual
$3,036/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses