Nationwide Auto Insurance in Minnesota
Nationwide is the 8th-largest U.S. auto carrier with a mid-sized footprint and SmartRide telematics. It's also a major Member-owned cooperative offering both direct and agent channels. Here's what Nationwide typically costs in Minnesota for 2026 — plus the 3 cheaper alternatives most Minnesota drivers overlook.
Estimated annual premium
$1,375
Estimated monthly
$115
Minnesota state avg
$1,500
vs Minnesota avg
-8%
Why drivers pick Nationwide
On Your Side Review program — a structured annual review with an agent to find unused discounts. SmartMiles pay-per-mile option for low-mileage drivers.
Where Nationwide falls short
Coverage gaps in some western states; SmartMiles is unavailable in several states (CA, NC, NY).
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 Nationwide in Minnesota
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Nationwide for a comparable driver profile in Minnesota. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Nationwide discounts available to Minnesota drivers
Nationwide 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 Nationwide Minnesota estimate for each class:
Nationwide 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 Nationwide Minnesota estimate for each profile:
Frequently asked questions
How much does Nationwide auto insurance cost in Minnesota?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Nationwide in Minnesota runs about $1,375/year (~$115/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 Nationwide cheaper than other carriers in Minnesota?
Yes — Nationwide typically runs about 8% below the Minnesota state average ($1,500/year for all carriers combined). The cheaper alternatives in Minnesota are typically USAA, GEICO, Erie. Whether Nationwide 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 Nationwide offer discounts to Minnesota drivers?
Nationwide offers 5+ discounts that Minnesota drivers can stack: SmartRide (telematics), SmartMiles (per-mile), Multi-policy, Accident-free, Defensive driving. 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 Nationwide's national average ($1,640) 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. Nationwide J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).