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.

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.

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.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$900/yr

Save $875/yr

GEICO

Clean-record drivers · Online-first shoppers

$1,125/yr

Save $650/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$1,125/yr

Save $650/yr

Allstate head-to-head guides

Side-by-side breakdowns of the Allstate matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.

Allstate vs. State FARM

~74k US searches/mo

Allstate vs. Progressive

~40k US searches/mo

Allstate vs. Geico

~27k US searches/mo

Allstate discounts available to Minnesota drivers

Drivewise (telematics)Multi-policyAnti-theft deviceEarly signingResponsible payerAllstate eSmart

Allstate Minnesota rates by vehicle class

Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Allstate Minnesota estimate for each class:

+10% vs sedan

Allstate SUV insurance

Minnesota estimate · Toyota Highlander, Honda Pilot

+15% vs sedan

Allstate Pickup truck insurance

Minnesota estimate · Ford F-150, Chevy Silverado

+25% vs sedan

Allstate Electric Vehicle (EV) insurance

Minnesota estimate · Tesla Model 3, Tesla Model Y

Allstate Minnesota rates by driver profile

Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Allstate Minnesota estimate for each profile:

+100% vs standard

Allstate New Driver insurance

Minnesota · 16-24

-8% vs standard

Allstate Senior Driver insurance

Minnesota · 65+

+55% vs standard

Allstate SR-22 High-Risk insurance

Minnesota · any (SR-22 required)

-18% vs standard

Allstate Low-Mileage Driver insurance

Minnesota · any (<7,500 mi/yr)

Frequently asked questions

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).