Allstate Auto Insurance in Minnesota
Allstate is the 4th-largest U.S. auto carrier (~10% market share) with a long-running agent network. Drivewise telematics + Milewise pay-per-mile options give it broad coverage modality flexibility. Here's what Allstate typically costs in Minnesota for 2026 — plus the 3 cheaper alternatives most Minnesota drivers overlook.
Estimated annual premium
$1,775
Estimated monthly
$148
Minnesota state avg
$1,500
vs Minnesota avg
+18%
Why drivers pick Allstate
Strong agent network for hands-on claims support; broad rider library (custom equipment, ridesharing endorsements, classic car).
Where Allstate falls short
Base rates run high — Allstate is consistently in the top quartile for posted rates. Discount-stacking is required to land at competitive pricing.
Minnesota minimum coverage requirements
- Bodily Injury Liability: 30/60 thousand per person / per accident
- Property Damage Liability: $10K
- No-Fault State: Personal Injury Protection (PIP) coverage required
No-fault state with PIP minimum $40k. Twin Cities metro pays 25% more than greater Minnesota.
Cheaper alternatives to Allstate in Minnesota
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Allstate for a comparable driver profile in Minnesota. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Allstate discounts available to Minnesota drivers
Frequently asked questions
How much does Allstate auto insurance cost in Minnesota?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Allstate in Minnesota runs about $1,775/year (~$148/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Allstate cheaper than other carriers in Minnesota?
Allstate is currently about 18% above the Minnesota state average of $1,500/year. The cheaper alternatives in Minnesota are typically USAA, GEICO, Erie. Whether Allstate is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Minnesota minimum coverage requirements?
Minnesota requires at least 30/60 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Minnesota is a no-fault state, so personal injury protection (PIP) is also required. No-fault state with PIP minimum $40k. Twin Cities metro pays 25% more than greater Minnesota.
Does Allstate offer discounts to Minnesota drivers?
Allstate offers 6+ discounts that Minnesota drivers can stack: Drivewise (telematics), Multi-policy, Anti-theft device, Early signing, Responsible payer, Allstate eSmart. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Allstate's national average ($2,108) multiplied by Minnesota's state-vs-national premium index ($1,500 ÷ national average $1,789 ≈ 0.84x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Allstate J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).