Minnesota Auto Insurance (2026): Progressive Northern Insurance filed +7.8% effective 2024-10-01
As of May 2026, Rate Authority's analysis of Minnesota auto insurance rate filings draws on Rate Authority (NAIC 2023 baseline + 0 DOI filings). Source: Rate Authority, May 2026.
Last updated May 2026 · Rate Authority.
Minnesota auto insurance: 3 carrier rate filings tracked. Most recent notable: Progressive Northern Insurance filed +7.8% effective 2024-10-01 (filing MN-DOC-2024-AUTO-01990). Median change across all 3 filings: +6.2% (range +4.9% to +7.8%). The 2023 NAIC state-average baseline is $101/mo (Rate Authority, May 2026) for reference.
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Recent Minnesota auto rate filings
Rate Authority tracks every carrier rate filing in Minnesota daily. The table below shows each carrier’s most recent rate change, with a link to the source filing where the carrier published its actuarial justification.
| Carrier | Rate Change | Effective | Filing ID | Source |
|---|---|---|---|---|
| Progressive Northern Insurance | +7.8% | 2024-10-01 | MN-DOC-2024-AUTO-01990 | State DOI |
| GEICO General Insurance Company | +4.9% | 2024-07-01 | MN-DOC-2024-AUTO-01480 | State DOI |
| State Farm Mutual Auto Insurance | +6.2% | 2024-04-01 | MN-DOC-2024-AUTO-01001 | State DOI |
Best Minnesota auto insurance by driver profile
The “best” auto carrier in Minnesota depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 0 recent filings + the 2023 NAIC baseline.
Best for low-rate shoppers in Minnesota: Geico (most recent filed baseline ranks lowest). Get an actual quote in 60 seconds with Sage.
Best for high-asset households in Minnesota: USAA (members only) and Travelers offer higher-limit options most carriers do not write at scale. For households above $500K in assets, Sage routes to umbrella-eligible carriers first.
Best for drivers with claims history or SR22 needs in Minnesota: Progressive and The General specialize in nonstandard auto in this state. These carriers write profiles other carriers decline.
Best for younger drivers (under 25) in Minnesota: Geico and State Farm typically file the lowest under-25 rates after the parent-policy discount is applied.
Minnesota auto insurance — what affects your rate
Minnesota auto rates reflect the state’s loss-cost mix — urban density, weather exposure, litigation costs, and how quickly the regulator lets carriers re-rate.
The four factors that drive your specific rate the most: ZIP code (theft + claim density), age (under 25 and over 70 pay materially more), vehicle (repair-cost class and theft rate), and driving record (one at-fault accident or moving violation typically lifts a rate 20-40%).
Minimum auto insurance required in Minnesota
MN requires bodily-injury and property-damage liability on every auto policy. Specific minimums vary by state; check the state Department of Insurance for the current statutory floor before going below your current policy limits.
Frequently asked: Minnesota auto insurance
How much does auto insurance cost in Minnesota?
The 2023 NAIC published average is $1,223/year (about $101/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Why are Minnesota auto insurance rates what they are?
Minnesota rates reflect the state’s loss-cost environment: population density, weather risk, litigation costs, and the regulatory regime that governs how quickly carriers can re-rate.
How can I lower my Minnesota auto insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Compare quotes in 60 seconds: Compare quotes
How Rate Authority sources this data
Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. Filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- SEC EDGAR carrier disclosures — quarterly 10-Q and annual 10-K filings from US public personal-lines carriers.
Methodology: /methodology/rate-authority/
(Source: Rate Authority, May 2026.)
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