Best Minnesota Car Insurance (2024)

Lying on the coast of the great Lake Superior sits the land of 10,000 lakes. Admitted to the union in 1858, Minnesota now has a population of 5.5 million. All of whom scream “skol” for the Vikings and love their hockey more than anything.

The twin cities of Minneapolis and St. Paul make up almost 60 percent of the population. Leaving Minnesota with the perfect balance of city and country. From the suburbs of Chanhassen to downtown Minneapolis, the state has a mix of long expanding fields and skylines.

At a median age of 37.9 Minnesota has its share of every age. The average annual income in the state is about $70,000 and growing. The future looks bright for the kind-hearted souls who would offer you all their money and their leg.

If you’ve been contemplating moving to the Gopher State and need some help with auto insurance, look no further; this article will delve into the intricacies and the confusion of the auto insurance world in Minnesota. We’ll take you through the rates, coverage, and laws to get you through the meddling process of buying the best Minnesota car insurance.

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Minnesota Car Insurance Coverage and Rates

While Minnesota auto insurance has a lot of requirements for minimum coverage, their rates are surprisingly normal. The average annual rate for all of Minnesota across all companies is $4,513.50. This number is just below the nation’s average (read our “Minnesota Car Insurance Laws” for more information).

Minnesota auto insurance laws require that you carry both liability car insurance and personal injury protection coverage (PIP) that are standard with the state’s no-fault insurance requirements.

No-fault insurance means that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum for any injuries that occur.

Most states are at-fault meaning whoever is at fault pays; Instead, drivers have insurance to cover their own injuries and damage rather than insuring to pay out to the other person.

However, no-fault coverage applies only to expenses resulting from injuries sustained in an accident. It does not mean that insurance companies will cover all losses in an accident regardless of who is at fault.

The need-to-know information doesn’t stop there. Instead of spending hours and hours searching different sites and seeing different ads all claiming to be the best for you; within this article, you’ll find an abundance of data for your information, links to help you understand, and simplifications of rates, coverages, and laws in Minnesota.

Minimum Auto Insurance Coverage in Minnesota

Liability

• $30,000 for injury to one person
• $60,000 for injury to two or more people
• $10,000 for property damage

• $40,000 per person per accident, which includes $20,000 for hospital and medical expenses and $20,000 for other costs, including lost wages

• $25,000 for injury to one person for both UM and UIM
• $50,000 for injury to more than one person for UM and UIM

What all of this means is in the case of a bad accident you will not have to pay out of pocket if you have the right coverage. Minimum coverage will cover you for a good amount of issues that you may come across, but in the possibility of a bad injury, you may not be totally covered.

Minimum coverage varies from state to state.

Forms of Financial Responsibility

Every driver must carry evidence of financial responsibility in their motor vehicle at all times. This proof shows that you have the ability to pay for what is needed in the case of an accident.

In the U.S. alone, motor vehicle crashes in 2010 cost almost $1 trillion in loss of productivity and loss of life. Having the correct insurance can save lives and money.

In Minnesota, you are required to show proof of insurance and financial responsibility if you are pulled over. The state does allow electronic proof of insurance as well as long as it shows what your original proof of insurance did.

Premiums as a Percentage of Income

Knowing how much you’re spending on auto insurance compared to your overall income is always helpful.

As you can see from the table in 2014, Minnesotans paid 2.01 percent of their income to auto insurance premiums.

Ranking at 14 out of the 50 states, this means that you will be paying right around the nation’s average for your insurance. Compared to nearby Michigan, which is ranked last in the nation for rates, Minnesotans pay a great price.

All together in Minnesota, your auto insurance rates will be average if you have a clean record.

Average Monthly Car Insurance Rates in MN (Liability, Collision, Comprehensive)

Core coverage includes the parts of your policy that is considered full coverage. These three parts are liability car insurance, collision car insurance, and comprehensive car insurance. Combined the three make up full coverage auto insurance.

You can see in the table what the average cost for the three different types and full coverage in Minnesota compared to the averages across the whole nation. This information is gathered based on data from the National Association of Insurance Commissioners (NAIC).

Minnesota is over $100 lower than the nation’s average. This is a great sign for the whole of the state. If you’re moving to Minnesota you can rest easy that you’ll be paying a fairly low price for the insurance you choose.

Additional Liability

Sometimes on the road, you need more coverage than the minimum. This helps within the case of a bad accident, or bodily injury. In Minnesota, you are required to pay $500,000 in medical coverages.  In Minnesota, you can choose from different levels of PIP (Personal Injury Protection) that are available for your peace of mind.

Loss ratios aren’t a well-known factor among buyers, but if you know the facts, they can be very important in helping you understand auto insurance better.

A loss ratio that’s too high means that insurance companies are paying out too much in claims – if the rate climbs over 100 percent they are paying out more than they’re taking in. If the company’s loss ratio is too low, it means they aren’t paying out any claims.

Both of these are important to you knowing the inner workings of the auto insurance company you choose.

Add-ons, Endorsements, and Riders

There are many different types of extra insurance coverage that you can add to your core coverage in Minnesota. These are meant to help you ease your mind on the road.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Car Insurance

Average Car Insurance Rates by Age & Gender in MN

While some states have outlawed basing insurance rates off gender and demographic, Minnesota continues to do so.

Women are charged less in most cases. Some companies do not charge based on gender but they will be based on age.

There are two reasons women are charged less on their insurance in some cases. First, they are usually better drivers than men are. Statistics show that, in general, women are safer drivers than men.  Secondly, women make a great deal less money than men do in almost every state. According to DataUSA women make around $17,000 less a year.

Teen drivers will always be charged a significant amount more than any other age bracket. This is also based on statistics. Teens are more likely to be in an accident, receive a citation, and speed than any other age.

Allstate charged almost $3000 more to teen males than teen females.

Cheapest Rates By Zip Code

Identifying average rates by zip code can help you move to a place you want to be, but know where the better areas are so you don’t overpay on insurance. The most expensive zip-codes are all in the twin cities.

The most expensive zip-code in Minnesota is in Minneapolis at 55411 coming in at a price of $6620.56. The cheapest zip-code is in Albert Lea at 56007 for a total price of $3,976.80. A difference of nearly 3000 is hefty. Knowing which areas are the cheapest is important, but be careful.

Minneapolis and St.Paul are the most expensive because they have the most people, most traffic, and most accidents in the state. Albert Lea is a small town with low traffic congestion, but there may also be higher poverty rates in the area.

Rates by zip code are a great statistic to discover the best places to buy auto insurance. Many different factors go into why each zip code is more or less expensive than the other.

Cheapest Rates By City

Once again, Albert Lea comes in as the cheapest, and Minneapolis is at the top of the list.

Remember, these are also averages, if you have good credit and good driving history, you could pay less than Albert Lea’s average while living in Minneapolis.

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Best Car Insurance Companies in Minnesota

You always want to save money when it comes to insurance, but if you pay a little more and get better coverage it’s worth it. Sometimes the cheapest isn’t the best.

There are thousands of auto insurance companies in Minnesota and a million more in the United States. Choosing between them can be a tough task even with the correct information.

In this section, we’ll break down the top companies in Minnesota and you can decide for yourself which is best for you. Instead of searching for hours on the internet you can find all your data in one place. Making your search for the right company short and sweet.

We’ll give you all the data for the companies with the best ratings, most complaints, and cheapest rates. This will help you understand and choose which company you want to buy from.

The Largest Companies’ Financial Rating

Each year AM Best releases a set of ratings that determine the top companies in the auto insurance game. They give a grade to each company which can help you choose from the best.

Companies with high ratings pay claims more often and quicker. They also have better customer service and rates in most cases.

This table shows some of the top-used companies in Minnesota and what their ratings are. an A++ is the best rating you can get. This means that the company is paying a good amount of claims, not too many or too few, they have good customer support, and great rates.

These ratings can help a lot so use them to your advantage.

Companies With The Best Ratings

JD Power is the most trusted name in insurance ratings and many other fields. They release awards yearly to the best insurance companies in each state and the entire nation.

The north-central region of the United States has many different insurance companies. The best rates in every region are usually USAA, but since that’s only for military members, JD Power separates them.

Westfield Insurance Company is the top-rated company in the north-central region with a score of 855.

Cheapest Companies in Minnesota

Rates are the most essential part of the insurance buying process. Knowing which companies give you the best rates but still, the best coverage is important.

In the following sections, we’ll break down the rates in Minnesota by coverage level, credit history, driving record and more. Using this information you should be able to determine the best rates for you.

Commute Rates By Company

Sometimes auto insurance companies give you the run around if you have longer commute times. If you have a long commute it means a few different things to companies.

You are on the road more, meaning more possibility for any insurance-related incident.

Knowing the statistics on your commute they may gauge rates to protect themselves. If you live in downtown Minneapolis and drive to work you may be charged more than if you live in a remote area.

Traffic varies so you may not have to worry about a long commute at all. But if you do have an extensive commute, this data could help you assure you aren’t overpaying.

Liberty Mutual has the most expensive rates across the board in Minnesota so they again top the list. They also increase their rates by almost 1000 dollars annually if you have a longer commute.

Farmers and Nationwide do not gauge their rates at all for commute times. If you know you’re going to be driving a lot in heavy traffic with long commute times, a company that doesn’t charge extra could be the company for you.

Coverage Level Rates By Company

Auto insurance has three different types of coverage levels; low, medium, and high. Each company covers different things within those levels, but it is usually similar. From company to company the rates for coverage range as well.

As mentioned previously, Liberty Mutual is the most expensive company in almost every category in Minnesota. Liberty Mutual is known for some of the most competitive coverage you can find, however. So if you have a bigger pocket monthly, you could have some unbelievable coverage with them.

Which coverage level you choose is purely your decision but be careful low coverage may save you money upfront, but in the case of a bad accident or bodily injury, it may not completely cover you.

Credit History Rates By Company

Credit history is an important part of every person’s life in today’s world. It can save you a lot of money or cost you a lot of money. Your credit history follows you even to auto insurance rates.

Some states have outlawed the right for insurance companies to change insurance rates based on credit, but Minnesota is not one of them, unfortunately.

The table above breaks down the most expensive and the cheapest rates from company to company. State Farm is the least expensive company, but even they raise their rates by over a thousand dollars if you have poor credit.

According to Experian, the average credit score in Minnesota is 709. That is the highest average among all 50 states.

Driving Record Rates By Company

If you have a clean driving record you have nothing to worry about, but if you aren’t the best driver the table below will show you how your rates will stack up in Minnesota.

Driving records are another important factor in determining your auto insurance rates. Just one speeding ticket can alter your rates by hundreds of dollars. DUI’s and bad accidents can raise it by up to thousands.

Some companies like Allstate have accident forgiveness. If you have an accident on your record in the last four years, you may want to choose one of those companies so you aren’t paying even more than you should.

DUI’s are the most expensive thing you can do to yourself. To solve this problem there is an easy fix, don’t drink and drive.

Number of Insurers in Minnesota

This section refers to the number of different insurance companies that you can be insured by in the state.

In Minnesota, there are 39 domestic insurers and 816 foreign insurers offering their services to consumers. Bringing the total to 855 insurers. That’s a lot of companies to choose from, that’s why we’re here to help.

Domestic insurers are located in Minnesota, while foreign insurers are located in another state. Foreign does not refer to out of the country.

Minnesota State Laws

Laws in every state are confusing and difficult to read. Using language that is as dense as it gets is the specialty of our lawmakers. Breaking down the most important laws in plain language can help you with every part of your life but especially when it comes to shopping for car insurance.

In this section, we’ll review the important state laws of Minnesota and also some of the foremost car insurance laws.

Car Insurance Laws

Let’s start by taking a look at the laws that directly affect car insurance. These are the most important pertaining to what you need to know.

How State Laws for Car Insurance Are Determined

As in most states, auto insurance laws are determined, reviewed, and passed by the legislature of the state.

Insurance is regulated on a state level, and states use different tactics to regulate the rates that companies are allowed to charge its buyers.

According to the NAIC, Minnesota uses a file-and-use system to determine it’s laws. File-and-use rating laws are insurance regulations allowing an insurance company to use new rates prior to receiving state approval. This means insurers can give you a new rate before they hear anything from the state.

Windshield Coverage

Windshield chips and cracks are unavoidable on the road sometimes. When you’re driving on the highway and a semi flips a rock up and cracks your windshield it’s impossible to call that the drivers fault.

Especially if you have a long commute, chips and cracks happen to everyone. But for some reason, every state has weird laws about windshields.

In Minnesota, it is who repairs your windshield that you have to worry about. A lot of insurance companies have only a certain few companies you can use to repair your windshield. If you do not use those companies, your windshield is no longer under coverage.

High-Risk Insurance

High-risk insurance covers the individual drivers with past driving violations, inexperience behind the wheel, or poor credit.

If you fall under any of these categories you are known as a “high risk” to insurance companies. You will be paying much more on your annual rate than the average insurance consumer. Some companies won’t insure a high-risk driver at all, but most large companies will take a risk and just overcharge.

Low-Cost Insurance

Minnesota does not have a low-cost insurance program set up. Those programs are usually in states where there is a high amount of poverty and a low-income rate.

The only states that have government-funded programs are California, Hawaii, and New Jersey. These programs are built to help low-income families be able to protect themselves while they drive.

Automobile Insurance Fraud in Minnesota

Insurance fraud can be committed in a number of ways, but the main way is filing a claim that did not actually happen and expecting a payout from it.

Some other common fraud acts are misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered, and staging accidents.

Any of these will send you directly to jail without collecting for passing go.

Depending on the severity, and amount of money stolen, insurance fraud in Minnesota is punishable by up to 20 years in prison and a fine up to $100,000.

If you suspect anyone you know or have seen is committing insurance fraud in Minnesota, the Minnesota commerce website will show you how to report it.

Statute of Limitations

A statute of limitation refers to the period of time for the bringing of legal action. This means that people affected have a certain amount of time to pursue legal action after an incident.

For example, if a driver gets in an accident and five years later says they have damage from the accident and tries to sue the other driver; they will not be under the statute of limitations.

In Minnesota there are two different amounts of time; one for PI or personal injury and one for PD or property damage. The limitations for PI is two years and the limit for PD is six years in the state.

State Specific Laws

We’ve already covered most of the insurance laws that need to be known in Minnesota. Let’s take a break from insurance and have some fun with some quirky Minnesotan driving laws that are a little weird. Here are a few interesting ones.

• Windshields are actually not necessary. You can drive around with no windshield in Minnesota.
• If you’re driving in reverse, seat-belt laws don’t apply to you.
• There are no laws against riding in the back of a pickup.

Vehicle Licensing Laws

As in most states, vehicle licensing laws are handled in Minnesota by the DMV. There are a lot of different rules and regulations to know about, but these are the most important ones to keep in mind. Knowing these could help you out in your shopping for insurance.

Real ID

According to Homeland Security, The Real ID Act establishes security standards for license issuance and production. This prohibits Federal agencies from accepting driver’s licenses and ID cards from states not meeting the act’s minimum standards.

Minnesota is a Real ID-compliant state. If you have a Real ID license it will be noted by a star on your driver’s license.

Penalties for Driving Without Insurance

Each state has laws that require you to drive with insurance. Uninsured drivers can cost you a lot of money if you get in an accident. Uninsured drivers can be punished in Minnesota by up to a $1000 fine and 90 days in jail.

To avoid this be sure you have insurance. Even the minimum coverage is meant to keep everyone on the roads safe. As long as your proof of insurance displays the following things, it is accepted:

• Make
• Model
• Year
• Safety Rating
• Value
• Your name and the name of any other drivers under that policy
• Expiration date

As long as you have this, you will never run into any issues.

Teen Driver Laws

Teens are the most delicate drivers on the road. With next to no experience they are either speed racers with a lead foot or scared to drive completely. In every state, there are regulations that are set forth to ease teens into driving instead of tossing them right in. They have a long opportunity to learn.

According to the IIHS, teens in Minnesota must be 15 years old to get their permit and drive for one year with a parent before being able to drive alone. At 16 they can drive alone between 6:00 AM and 10:00 PM. The other hours they must have a parent in the car.

These tactics help teens transition into driving more seamlessly, but they are still the highest risk drivers on the road. That is why they pay so much more for insurance than any other age group.

Older Driver License Renewal Procedures

Older drivers can be dangerous on the road just like teens can. In many states, there are strict rules as to how often older drivers must renew their license. There is a fairly big debate on the topic.

In Minnesota, there are actually no strict rules on it at all. Just like the general population older drivers must renew their license every four years in person.

There is no mail or online renewal allowed in Minnesota, you must go in person every four years no matter the age.

New Residents

New residents are required to purchase insurance within 90 days in Minnesota, other than that all other laws apply to new residents as current residents. For minimum requirements, see the above sections.

Rules of the Road

There are so many rules around the driving world that sometimes we all forget or just need to be freshened up on some of the basic laws of the road. The rules can get a bit complicated so here are some of the important ones that go unnoticed on occasion.

Some are straight forward and act as a reminder while others are things drivers often forget and need be repeated. For most road laws, the IIHS website is a convenient place to visit.

Fault Vs. No-Fault

As we discussed before there is a big difference in fault vs. no-fault states.

Minnesota is a no-fault state meaning that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum for any injuries that occur.

Most states are at-fault meaning whoever is at fault pays; Instead, drivers have insurance to cover their own injuries and damage rather than insuring to pay out to the other person.

Seat Belts and Car Seat Laws

Road safety is a vitally important part of everyday life that can get forgotten about easily. Seat belts are the easiest tool for keeping yourself and your family safe. It does not take work and can save countless lives.

Minnesota is a zero-tolerance state for seat belts. If you are seen without a seat belt or even wearing one the wrong way it will end in a citation. The penalty amounts are not too steep but it is an easy task you can make a habit to keep the roads safer.

Keep Right And Move Over Laws

These laws are becoming more and more prevalent on the roads today. Slow traffic keeps congestion at a maximum and accidents more likely.

The keep right law was updated on August 1, 2019, and it states that slower traffic must keep right in all instances. This is not only for safety for all drivers but also to keep the flow of traffic moving and limit commutes.

So unless you are passing a vehicle that is driving below the speed limit, keep to the right lane.

The move over law states that if you are in the left lane and a car comes up behind you going faster than you are, that you must switch lanes. Just like the keep right law, this keeps traffic moving at a much faster pace.

Speed Limits

Speeding is a big part of road safety as well. It is the most disobeyed law on the road.

In Minnesota, the speed limit on rural highways is 70. On urban highways, the speed limit is 65 and on other large three-lane roads, it is 60. In residential neighborhoods, like most of the neighborhoods in the U.S., the speed limit is 30.

Ridesharing

In Minnesota, there aren’t many laws against ridesharing or carpooling. However, if there is a lane marked with a diamond that means it is for carpooling cars only.

Other than carpooling, Uber and Lyft are coming to the main stage of driving. If you are driving for a ridesharing service, some companies will not insure you when you are doing so. Be careful what company covers what if you plan on being a rideshare driver.

In Minnesota, most major insurance companies will cover you if you are in an Uber. Be careful whose car you get in, some insurance policies that drivers have may not cover the passenger in the case of an accident.

Automation On The Road

With the technological advances of the century, there has been more and more talk about automated vehicles. In Minnesota, automated cars are allowed to be on the road, depending on the vehicle, but the operator must be licensed and insured.

Sometimes keeping it simple and driving yourself is the best option.

Safety Laws

Some more laws that you need to remember when it comes to insurance are safety laws. There are a lot of different safety regulations that are simply meant to help everyone be better on the roads.

The Minnesota Department of Transportation’s main goal is to keep the roads safer than the previous year. That is why there are so many reminders on the news, TV and more.

This section is going to cover some important information when it comes to safety.

DUI Laws

The legal limit across the United States is 0.08 but now many states are starting to give out tickets for “buzzed driving” as well. This is considered to be around the 0.05 range. They cannot legally detain you but it is now becoming a fineable offense.

The high BAC limit for Minnesota is 0.16 and if you’re caught above that it can mean up t0 five years in prison.

For each offense, the fine raises higher each time. Jail time also heightens each crime.

Minnesota is a great state when it comes to drinking and driving. There were only 85 vehicle fatalities in 2018 that included alcohol.

Marijuana Impaired Driving Laws

Marijuana is not yet legal in the state of Minnesota so it is still fineable and illegal; However, there is no specific law against driving while on marijuana.

Distracted Driving Laws

Distracted driving is becoming a big problem in the past few years. With cell phones and other technology, there is always something to be looking at besides the road.

Since August 1, 2019, the law prohibits Minnesota drivers from using handheld devices.

Whether you’re eating a burger or texting, distracted driving is an offense in Minnesota. Text messaging while driving is strictly zero tolerance. All drivers are prohibited from using handheld wireless devices while driving, as well.

Enforcement of these distracted driving laws is primary, which means law enforcement can pull over and ticket drivers who use handheld devices (or text) while driving.

Driving in Minnesota

Driving can be exhilarating. It can also be a scary thing.

So, how do you stay safe? How do you keep your insurance rates falling and out of trouble? Knowing the statistics is usually the answer. But it can be hard to make sense of all of them.

In this section, we’ll break down the stats, facts, and how to keep yourself in the know, so you have the facts for your insurance shopping.

Vehicle Theft in Minnesota

Vehicle theft is a growing issue in the United States. In some cities, it is worse than others so the state data as a whole can be a bit bothersome.

In the table below you can see the top 10 models of cars that are reported stolen. The 1998 Honda Civic was reportedly stolen 676-times in Minnesota. In Minneapolis, in 2017 the FBI reported 2,388 vehicle thefts.

Road Fatalities in Minnesota

In Minnesota, according to the NHTSA, of the 5.58 million people in the state, there were only 357 road fatalities.

In the United States as a whole, there were 34,247 fatal motor vehicle crashes in 2017 in which 37,133 deaths occurred.

Fatalities By Road Conditions

In an area where rain, sleet, and snow are prevalent often, weather conditions can cause deaths in an instant. Icey or frozen over roads are accidents asking to happen. With such dangerous driving conditions in Minnesota it is amazing there are not more fatal crashes. That is a great sign for the state.

Fatalities: Five Year Trend for the Top 10 Counties

County to county fatalities can be telling for where the most dangerous areas are. Some counties have strictly rural roads and will have more single-vehicle crashes. While other counties that have large cities in them may have more multiple car pile-ups.

In the table, you can see that Hennepin County has the most fatalities in 2017 at 45. Hennepin County is the most populous county in Minnesota so that has much to do with the statistics. The county includes Minneapolis.

Rural Vs. Urban Fatality Rates

Rural and urban roads and their safety issue are very different. On rural roads, the dangers involve bad roads, no lighting on roads, wild animals, etc. But the dangers of urban roads involve pedestrians, motorcycles, traffic, etc.

In 2017, 209 fatal crashes were on rural roads, making them more dangerous.

Fatalities By Vehicle Type

This table shows the fatalities in Minnesota by what kind of vehicle was involved.

As in every state, the most fatalities happen in regular passenger vehicles and pick-up trucks.

Fatalities By Crash Type

This section refers to what kind of accident the fatality happened in. The most in Minnesota were single-vehicle cars. Which means that they ran off the road, or we’re drunk driving, etc.

Fatalities Involving Speeding By County

Speeding is deadly on any road. The faster you’re going the more likely you are to be in an accident.

In 2017, 89 of the total 357 fatalities were by speeding.

Fatalities Involving an Alcohol-Impaired Driver

Of the 357 deaths in 2017 in Minnesota, 85 of the fatalities were due to alcohol-impaired driving.

Teen Drinking and Driving

Drinking while driving should never be done no matter what age. But underage teen driving under the influence is becoming more of an issue in the past years.

Stanford Children’s Health found that the leading cause amongst teens is alcohol-impaired driving.

Transportation

The best way to get around in Minnesota is, undoubtedly, by car. It is the most convenient mode of transportation. There are many other forms of transportation, but since we’re talking about auto insurance, in this section we’ll show some statistics on driving in the state.

Car Ownership

In every city or town in the entire nation, most households own two cars. At over 20 percent, owning one car and 3 cars is next. In Minnesota about 2 percent more households live with no car at all. While that isn’t a big difference it’s always nice to know there isn’t as many cars on the road.

Commute Time

Employees with commutes in Minnesota have a shorter commute time at 22.4 minutes than the normal US worker at 25.5 minutes. This is an average so some will have very long commutes while some will have hardly nay commute at all.

Additionally, 1.7 percent of the workforce in Minnesota have “super commutes”. Super commutes are a term coined by DataUSA to say a commute over 90 minutes one way. At 1.7 percent that is not a high number at all which is a great thing for workers in the state.

Commuter Transportation

This section refers to how people drive to work. Again, as in every city in the nation, most people drive alone to work. At about 75 percent, Minnesota is right on par for the nation’s average.

A good thing to point out is how little people use motorcycles in Minnesota. This is usually affected by the weather. More often than not it is cold in Minnesota. At least you don’t have to worry about motorcycles too much while you’re on the road.

Traffic Congestion in Minnesota

Most traffic in Minnesota is going to be in the twin cities so let’s take a look at Minneapolis and St. Paul.

Minneapolis is the 132nd most congested city in the entire world and the 24th most congested city in the United States according to Inrix.

St. Paul is not in the top 200 so if you enjoy the city but don’t want the traffic that comes with, St. Paul could be for you.

Inrix also puts together an annual cost of congestion price for each city. Minneapolis is said to cost $971 a driver. This number includes extra gas, more oil changes, more tire changes, and more broken down cars.

The land of 10,000 lakes is a great place to call home. From the Twins to the Timberwolves to the Vikings the state has a great sports landscape.

Weather is not the greatest, it is often freezing and snowing making driving difficult. Whether you’re a farmer or a city worker doing the 9-to-5 insurance can be a tough task. After this article, you should have all the information you need to be successful in choosing the right auto insurance for you.

Rates are important, but coverage levels, company ratings, and insurance regulations can help you find the best insurance for you and your family.

Want to rest easy knowing you have the best rate on your car insurance? Start shopping around by entering your zip code below right now.