Best Cheap Car Insurance for Uninsured Drivers in Minnesota

When shopping for the cheapest insurance for drivers with no prior coverage, one of the many things that is used by insurance companies to calculate rate quotes is where you normally keep your vehicle. Densely populated urban areas like Maplewood, Saint Paul, and Coon Rapids tend to pay slightly more, whereas areas with less people or fewer weather incidents have the luxury of the best cheap auto insurance for uninsured drivers in Minnesota.

The next table shows the most costly cities in Minnesota for uninsured drivers to buy auto insurance in.

Annual rates are comparative as specific location information can impact rates greatly.

Establishing which company has the lowest-priced insurance rates for uninsured drivers will involve more time than just quoting one company’s rates. Every auto insurer uses a slightly different approach for determining prices, so let’s take a look at the insurance companies that tend to be cheaper in Minnesota.

It’s a good idea to be aware that Minnesota insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Improving your credit rating, getting divorced, or getting a DUI can trigger price changes that can make some companies more affordable than others.

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Travelers may have some of the lowest car insurance rates in Minnesota at around $647 per year. USAA, Farm Bureau Mutual, Western National, and The Hartford would also be considered some of the cheapest Minnesota auto insurance companies.

As illustrated above, if you have coverage with Western National and switched to USAA, you may realize an annual savings of in the vicinity of $138. Insureds with The Hartford may save as much as $165 a year, and West Bend Mutual policyholders might lower prices by up to $182 a year.

To get a quick, customized rate comparison, click here to begin a quote or visit any of the companies below.

Remember that these rates are averages across all drivers and vehicles and and are not calculated with a price decrease for uninsured drivers. So the car insurance company that fits you best may not even be included in the list of companies shown earlier. That emphasizes why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

Discounts on Minnesota auto insurance rates

Insurance companies that offer the best cheap auto insurance for uninsured drivers in Minnesota may have rate discounts that could lower prices by as much as 35% or more if you meet certain criteria. A list of insurance companies and a partial list of their discounts are included below.

The information below visualizes the comparison of insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, no driving violations, no at-fault accidents, Minnesota state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with vehicle safety, homeowner, multiple policy, defensive driving course, marriage, and safe-driver discounts applied. When drivers qualify for the discounts, the the average amount saved on insurance for uninsured drivers is 15% or $282.

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Who has the cheapest insurance quotes for drivers with no prior coverage?

Drivers have a lot of different ways to get affordable insurance quotes in Minnesota, but the most preferred ways are using a captive (or exclusive) agency such as State Farm or Allstate, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico. Each way is similar, but they differ slightly in how they give price quotes.

Independent insurance agencies work with multiple companies and can get policy pricing from all of them. Agents of this type are not limited to a single company and can provide you with more rates, which may give you the best chance of finding a lower price. If cheaper coverage is found, they can switch companies in-house and that require little work on your part.

An agent who is captive is restricted to a single insurance company, two examples are Farmers Insurance or State Farm agents. They usually cannot compare rates from other companies, so if their pricing is high, there is no alternative.

The last way is buying direct, which means you bypass an agent and instead buy buying direct from a company like Progressive or Geico. This insurance option is a good choice for people who have little risk and have some degree of understanding of how insurance works and possible exclusions.

So comparing independent agents, exclusive agents, and direct, which one works best to find the best cheap auto insurance for uninsured drivers in Minnesota? We would first guess that buying from a direct car insurance company yields the cheapest rates since there is no need to pay agent commissions, but that generally is not the case. We’d also like to say using an independent agent is the best way to go since they have more companies to choose from, but that idea is not necessarily true either. For the right applicant, exclusive agents may have prices that are the lowest in Minnesota.

Since insurance prices vary so much, the best method to get the cheapest rates is to compare, compare, and compare some more. Put in the effort to get prices from all three types in order to have enough rates to compare. For a list of companies offering online discounts in Minnesota, click here to view.