Best Alexandria, Minnesota Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

The top pick overall for the best Alexandria, Minnesota auto insurance is State Farm, followed by Progressive and AAA, with rates starting at $67 per month. State Farm leads with affordable rates, comprehensive coverage, and strong customer service.

This guide evaluates these providers on key factors like coverage options and discounts, helping you make the best choice. Start comparing and save on your Alexandria, Minnesota auto insurance now.

Our Top 10 Company Picks: Best Alexandria, Minnesota Auto Insurance

We’ll cover factors that affect auto insurance rates in Alexandria, Minnesota, including credit score, and commute time impact rates.

Start saving on your Alexandria, Minnesota auto insurance by entering your ZIP code above and make sure you have compared rates from multiple companies.

#1 – State Farm: Top Overall Pick

Pros

• Dependable Coverage Choices: State Farm is renowned for its comprehensive range of coverage options, ensuring Alexandria, Minnesota auto insurance customers select policies for their needs.
• Most Affordable Minimum Coverage Rates: State Farm offers one of the lowest rates for minimum coverage at $75 per month, making it a cost-effective option for drivers in Alexandria, Minnesota.
• Savings Through Policy Bundling: Customers in Alexandria, Minnesota can save more by bundling multiple policies, such as auto and home insurance, see our State Farm auto insurance review.

Cons

• Average Multi-Policy Discounts: The multi-policy discounts offered by State Farm might not be as substantial compared to some other insurers in Alexandria, Minnesota.
• Potentially Higher Premiums for Comprehensive Coverage: Even with available discounts, certain coverage levels may still come with relatively higher premiums for drivers in Alexandria, Minnesota.

#2 – Progressive: Best for Affordable Rates 

Pros

• Competitive Minimum Coverage Rates: Progressive offers some of the lowest auto insurance rates in Alexandria, Minnesota, starting at just $80 per month for minimum coverage.
• 30% Usage-Based Insurance (UBI) Discount: Our Progressive auto insurance review provides a 30% discount through its UBI program, ideal for low-mileage drivers in Alexandria, Minnesota.
• Additional Savings with Snapshot Program: The Snapshot program rewards safe driving with further discounts, reducing overall costs for Progressive policyholders in Alexandria, Minnesota.

Cons

• Limited In-Person Service Options: Progressive’s focus on digital services may limit access to local agents in Alexandria, Minnesota, which could be a downside.
• Higher Costs for High-Risk Drivers: Drivers with accidents or traffic violations may find Progressive’s rates less favorable in Alexandria, Minnesota.

#3 – AAA: Best for Member Benefits

Pros

• Comprehensive Member Perks: AAA auto insurance review showcases numerous benefits for members in Alexandria, Minnesota, such as roadside assistance, travel discounts, and more.
• Reasonable Rates for Minimum Coverage: With minimum coverage rates of $85 per month, AAA provides a competitive option for drivers in Alexandria, Minnesota.
• Discounts for Completing Driver Education: AAA offers reduced rates for policyholders who complete approved driver training programs, helping Alexandria, Minnesota customers save on premiums.

Cons

• Membership Requirement for Coverage: AAA insurance is only available to members, which requires an additional annual fee for Alexandria, Minnesota residents.
• Fewer Digital Management Tools: AAA’s online tools may not be as advanced or comprehensive compared to other insurers, limiting convenience for some customers in Alexandria, Minnesota.

#4 – USAA: Best for Military Focused

Pros

• Specialized Support for Military Members: USAA caters specifically to military members and their families in Alexandria, Minnesota, offering unique perks.
• Top-Rated Customer Service: Read USAA auto insurance review to see an A++ rating from A.M. Best, USAA is highly regarded for its excellent customer service in Alexandria, Minnesota.
• Lowest Minimum Coverage Cost: At $67 per month, USAA offers the most affordable minimum coverage rates, making it a great option for eligible drivers in Alexandria, Minnesota.

Cons

• Limited Eligibility: Coverage is exclusive to military members and their families, which excludes some residents of Alexandria, Minnesota.
• Reduced Local Office Availability: A smaller number of local offices may make it harder for some customers in Alexandria, Minnesota to access in-person services.

#5 – American Family: Best for Personalized Service

Pros

• Custom-Tailored Service: American Family is known for providing personalized customer service, helping Alexandria, Minnesota drivers select policies that best fit their needs.
• Incentives for Safe Driving: Alexandria, Minnesota customers with clean driving records can benefit from discounts, which help to lower overall insurance costs.
• Economical Minimum Coverage Rates: With rates starting at $84 per month, American Family auto insurance review provides an affordable option for minimum coverage in Alexandria, Minnesota.

Cons

• Limited Online Capabilities: Some customers in Alexandria, Minnesota might find the digital tools less robust compared to other insurers.
• Less Competitive Rates for High-Risk Drivers: American Family’s rates may be higher for Alexandria, Minnesota drivers with a history of accidents or violations.

#6 – Auto-Owners: Best for Trusted Reputation

Pros

• Strong Reputation in Claims Handling: Auto-Owners auto insurance review emphasizes their reputation for dependable claims service, which appeals to many drivers in Alexandria, Minnesota.
• Diverse Coverage Options: The company offers a wide selection of coverage options that can be customized to meet the needs of Alexandria, Minnesota auto insurance customers.
• Significant Savings for Multiple Policies: Discounts are available for bundling multiple insurance policies, such as home and auto, which can help Alexandria, Minnesota residents save money.

Cons

• Higher Rates for Full Coverage: Full coverage rates, starting at $106 per month, may be higher than some other providers in Alexandria, Minnesota.
• Limited Digital Features: Auto-Owners may not offer as many online management tools, which could be a drawback for customers who prefer digital convenience in Alexandria, Minnesota.

#7 – Liberty Mutual: Best for Comprehensive Options

Pros

• Extensive Coverage Options: Liberty Mutual allows Alexandria, Minnesota drivers to customize their policies with a wide range of coverage options. Discover our Liberty Mutual auto insurance review.
• Affordable Minimum Coverage Rates: Liberty Mutual’s minimum coverage starts at $87 per month, making it a reasonably priced choice for Alexandria, Minnesota drivers.
• Accident Forgiveness Available: Qualifying customers in Alexandria, Minnesota can benefit from Liberty Mutual’s accident forgiveness program, which can prevent premium increases.

Cons

• Higher Costs for High-Risk Drivers: Liberty Mutual may charge more for drivers in Alexandria, Minnesota with a history of accidents or violations.
• Limited Local Agent Presence: The smaller number of local offices may be less convenient for Alexandria, Minnesota customers who prefer in-person services.

#8 – Travelers: Best for Extensive Discounts

Pros

• Diverse Discount Opportunities: Travelers offers various discounts, including those for safe drivers and multiple policies, making it appealing for Alexandria, Minnesota residents.
• Competitive Rates for Minimum Coverage: Our Travelers auto insurance review provides affordable rates for minimum coverage, starting at $89 per month for Alexandria, Minnesota auto insurance.
• Financial Stability Assured: With an A++ rating from A.M. Best, Travelers is known for its financial strength, giving peace of mind to policyholders in Alexandria, Minnesota.

Cons

• Potentially Higher Full Coverage Costs: Travelers’ full coverage options, starting at $112 per month, may be more expensive than some other insurers in Alexandria, Minnesota.
• Less User-Friendly Online Support: Some customers in Alexandria, Minnesota might find the online support tools less intuitive compared to other providers.

#9 – Nationwide: Best for Innovative Programs

Pros

• Unique Programs and Discounts: Nationwide provides distinctive programs like Vanishing Deductible and SmartRide, offering added value for drivers in Alexandria, Minnesota.
• Highest UBI Discount: With a 40% usage-based insurance discount, Nationwide auto insurance review offers the best savings among competitors for Alexandria, Minnesota auto insurance.
• Reasonable Minimum Coverage Rates: Nationwide’s rates start at $90 per month for minimum coverage, offering good value for Alexandria, Minnesota drivers.

Cons

• Higher Premiums for High-Mileage Drivers: Drivers in Alexandria, Minnesota who drive long distances may face higher costs with Nationwide.
• Fewer Local Agents Available: The limited number of local agents might be a disadvantage for Alexandria, Minnesota customers who prefer face-to-face interaction.

#10 – Farmers: Best for Customizable Policies

Pros

• Customizable Policy Options: Farmers allows Alexandria, Minnesota drivers to tailor their insurance policies to match their specific needs. Discover more in Farmers auto insurance review for full details.
• Homeowners Discounts: Offers discounts for customers who also have home insurance, potentially reducing costs for Alexandria, Minnesota drivers.
• Competitive Minimum Coverage Rates: Farmers provides minimum coverage starting at $93 per month, making it a viable choice for budget-conscious customers in Alexandria, Minnesota.

Cons

• Higher Rates for Younger Drivers: Young drivers under 25 in Alexandria, Minnesota may find Farmers’ rates less competitive.
• Limited Digital Services: The online tools offered by Farmers may not be as comprehensive as those from other insurers, which could be less convenient for some customers in Alexandria, Minnesota.

Essential Auto Insurance Coverage in Alexandria, Minnesota

In Alexandria, Minnesota, drivers must carry at least the state’s minimum auto insurance coverage to meet legal requirements and ensure financial protection in case of an accident. The minimum required coverage includes Bodily Injury Liability of $30,000 per person and $60,000 per accident, along with Property Damage Liability of at least $10,000.

Alexandria, Minnesota Auto Insurance Monthly Rates by Provider & Coverage Level

Monthly insurance rates in Alexandria vary by provider and coverage level, with companies like State Farm offering minimum coverage at $75 and full coverage at $96, while USAA has the lowest rates at $67 for minimum coverage and $83 for full coverage. Comparing rates from different insurers can help you find the most affordable option for your needs.

Affordable Auto Insurance in Alexandria, Minnesota: Insights by Age, Gender, and Marital Status

Auto insurance premiums in Alexandria, Minnesota, are largely shaped by a driver’s age, gender, and marital status, with younger drivers often incurring higher costs. See how demographics impact the annual cost of insurance.

Alexandria, Minnesota Full Coverage Auto Insurance Monthly Rates by Age & Gender

Generally, younger females receive lower rates than their male counterparts, as reflected in quotes from insurers like American Family and Nationwide.

By understanding how these demographic factors affect pricing, drivers can find more budget-friendly insurance options. Take a look at the annual teen auto insurance rates in Alexandria, Minnesota.

Alexandria, Minnesota Teen Full Coverage Monthly Auto Insurance Rates

Moreover, senior auto insurance rates in Alexandria, Minnesota, can vary, but here’s a look at the average annual premiums for older drivers in the area. These rates depend on factors like driving history, coverage level, and chosen provider.

Alexandria, Minnesota Senior Full Coverage Monthly Auto Insurance Rates

Additionally, some insurers may offer discounts specifically tailored to older drivers, such as those for safe driving or bundling multiple policies.

Low-Cost Car Insurance in Alexandria, Minnesota: Impact of Driving Records

Your driving record significantly affects your auto insurance rates, with violations leading to higher premiums. See the annual auto insurance rates for a bad record in Alexandria, Minnesota compared to the annual auto insurance rates with a clean record drivers with a clean record tend to pay much lower annual rates compared to those with a history of accidents or traffic violations.

Alexandria, Minnesota Full Coverage Auto Insurance Monthly Rates by Driving Record

Reviewing the average costs for drivers with poor records versus those with clean histories can help highlight the savings associated with maintaining a good driving record. It’s essential to understand how different insurers adjust their rates based on driving history to find the most cost-effective option.

Securing affordable auto insurance after a DUI in Alexandria, Minnesota can be challenging due to the steep rate increases that often accompany such violations. Drivers with a DUI should compare annual rates from multiple providers to find the most competitive offers available.

Alexandria, Minnesota Auto Insurance Rates After a DUI

By evaluating different options, you may discover that some companies offer more lenient pricing for drivers with DUIs than others. Taking the time to shop around can make a significant difference in the overall cost of your auto insurance.

Budget-Friendly Auto Insurance in Alexandria, Minnesota: Influence of Credit Scores

Credit score plays a significant role in determining your auto insurance premiums in Alexandria, Minnesota. Insurance providers often use credit history to assess the risk level of potential clients, with lower scores generally leading to higher rates. See how Alexandria, Minnesota annual auto insurance rates by credit history compare.

Alexandria, Minnesota Full Coverage Auto Insurance Monthly Rates by Credit Score

In Alexandria, annual auto insurance costs can vary considerably depending on whether you have excellent, good, fair, or poor credit. Comparing rates across different providers can help you find more budget-friendly options, even if your credit score is less than perfect. Learn more insight in our guide “How Credit Scores Affect Auto Insurance Rates.”

Auto Insurance Rate Variations in Alexandria, Minnesota: A ZIP Code Analysis

Auto insurance rates by ZIP code in Alexandria, Minnesota can differ significantly. Compare the annual cost of auto insurance by ZIP code in Alexandria, Minnesota to see how car insurance rates are affected by location.

Alexandria, Minnesota Report Card: Auto Insurance Premiums

Factors like local accident rates, crime statistics, and weather conditions contribute to these variations. For example, a ZIP code with a higher number of accidents or thefts may lead to increased insurance premiums.

In Alexandria, the annual cost of auto insurance for ZIP code 56308 averages around $3,204. This rate reflects a combination of regional risk factors and the specific characteristics of the area.

Alexandria, Minnesota Auto Accident & Insurance Claim Statistics

By comparing rates across different ZIP codes, drivers can get a clearer picture of how location impacts their insurance costs. Doing so may allow them to make informed decisions on how to potentially lower their premiums.

How Your Commute Affects Auto Insurance Rates in Alexandria, Minnesota

Alexandria, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Your daily commute distance significantly impacts your auto insurance rates in Alexandria, Minnesota. Insurers typically charge higher premiums for longer commutes because more time on the road increases the likelihood of accidents. Shorter commutes, on the other hand, may qualify you for lower rates due to reduced risk.

Alexandria, Minnesota Full Coverage Auto Insurance Monthly Rates by Annual Mileage

To potentially save on insurance costs, consider options like carpooling, using public transportation, or adjusting your work schedule to minimize your driving distance.

Key Factors Influencing Auto Insurance Rates in Alexandria, Minnesota

There are a lot of reasons why auto insurance rates in Alexandria, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Alexandria, Minnesota. Many local factors may affect your Alexandria auto insurance rates.

Alexandria, Minnesota Auto Insurance Discounts by Provider

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Alexandria, Minnesota commute length is 13.3 minutes according to City-Data. Discover more information in our page titled “Factors That Affect Auto Insurance Rates.”

Case Studies: Real-Life Savings with the Best Alexandria, Minnesota Auto Insurance

Choosing the right auto insurance can make a significant difference in coverage and cost. Here are three real-life examples of drivers in Alexandria, Minnesota who found the best rates and coverage by selecting top providers like State Farm, Progressive, and AAA.

• Case Study #1 – Young Driver Finds Savings: A 22-year-old recent college graduate in Alexandria chose State Farm for her auto insurance. As a young driver, she initially faced high premiums, but State Farm offered her a low rate of $75/month, thanks to good student discounts and a clean driving record, making it the most affordable option.
• Case Study #2 – Family Gets Comprehensive Coverage: A family of four in Alexandria switched to Progressive for their two vehicles. They needed comprehensive coverage, including collision and liability, and found Progressive’s bundled discounts reduced their premium by 20%, saving them $200 annually while ensuring complete coverage.
• Case Study #3 – Retired Veteran Chooses AAA: A retired military veteran in Alexandria opted for AAA auto insurance, drawn by its member benefits like roadside assistance and exclusive discounts. AAA’s rates, along with military benefits, provided him with both cost-effective coverage and valuable additional services.

By evaluating options and understanding individual needs, these drivers secured the best Alexandria, Minnesota auto insurance at competitive rates. Uncover details in our guide “Where to Compare Auto Insurance Rates.”

Let these case studies inspire you to find the best fit for your own auto insurance needs. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.