Car Insurance with Bad Credit in Minnesota (2026)
Quick Answer
Bad credit in Minnesota increases car insurance by 53%, raising full coverage from $1,878/year to $2,873/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$157/mo
Poor Credit (1.53x)
$239/mo
Best Companies for Bad Credit in Minnesota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $177/mo | $2,126/yr | Military families |
| Erie Insurance | $189/mo | $2,270/yr | Rate lock guarantee |
| GEICO | $196/mo | $2,356/yr | Clean driving record |
| Progressive | $211/mo | $2,528/yr | Telematics savings |
| State Farm | $218/mo | $2,614/yr | Good students |
| Travelers | $227/mo | $2,729/yr | Multiple discounts |
| Nationwide | $249/mo | $2,988/yr | Bundling home + auto |
| Farmers | $259/mo | $3,103/yr | Signal telematics |
| Allstate | $268/mo | $3,218/yr | Accident forgiveness |
| Liberty Mutual | $283/mo | $3,390/yr | New car replacement |
USAACheapest
Monthly
$177/mo
Annual
$2,126/yr
Best for: Military families
Erie Insurance
Monthly
$189/mo
Annual
$2,270/yr
Best for: Rate lock guarantee
GEICO
Monthly
$196/mo
Annual
$2,356/yr
Best for: Clean driving record
Progressive
Monthly
$211/mo
Annual
$2,528/yr
Best for: Telematics savings
State Farm
Monthly
$218/mo
Annual
$2,614/yr
Best for: Good students
Travelers
Monthly
$227/mo
Annual
$2,729/yr
Best for: Multiple discounts
Nationwide
Monthly
$249/mo
Annual
$2,988/yr
Best for: Bundling home + auto
Farmers
Monthly
$259/mo
Annual
$3,103/yr
Best for: Signal telematics
Allstate
Monthly
$268/mo
Annual
$3,218/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$283/mo
Annual
$3,390/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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