Car insurance costs in Minnesota vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in Minnesota at $1,363 annually.
This guide makes buying car insurance in Minnesota easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Minnesota and how much you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Minnesota, costing $1,363 per year.
- In Minnesota, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Minnesota costs $475 annually for limits of 30/60/10, while liability-only coverage costs $512 per year for limits of 50/100/50.
- In Minnesota, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 34%, a DUI raising rates by 98%, and an at-fault accident by up to 40%.
How much is car insurance in Minnesota?
CarInsurance.com data found that drivers in Minnesota pay $159 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Minnesota by coverage level
In Minnesota, the cost of car insurance can vary depending on how much coverage you purchase. Minnesota drivers need at least the minimum insurance coverage limits of 30/60/10 to legally drive.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Minnesota car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $40 | $475 |
| Liability Only – 50/100/50 BI/PD | $43 | $512 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 | $1,911 |
State minimum car insurance in Minnesota
Minnesota laws mandate that all drivers carry insurance with minimum liability limits of $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident and $10,000 for property damage liability.
The state minimum coverage in Minnesota costs $475 a year but doesn’t provide much protection for drivers. Minnesota drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Minnesota must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Minnesota
Liability-only car insurance costs $512 in Minnesota for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Minnesota
The average annual premium in Minnesota is $1,911 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Minnesota
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Minnesota pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Minnesota car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Minnesota by car model
In Minnesota, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Minnesota.
Insurance rates by car model
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Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Minnesota
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Minnesota drivers aged 30 to 60 have the lowest average auto insurance rates at $1,830 annually.
Car insurance for drivers aged 16-19 costs $3,412 more annually than Minnesota drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,242 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,954 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,830 per year in Minnesota.
- For senior drivers: Drivers age 65 and older can expect to pay $1,852 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Minnesota
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Minnesota, a DUI conviction lead to increased rates and you may see a rate hike of up to 98% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Minnesota, you’ll likely see an increase in your car insurance premium by up to 34% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 34% increase
- DUI conviction: 98% increase
- At-fault accident (bodily injury and property damage): 40% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Minnesota for high-risk drivers
In Minnesota, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $1,791 |
| Nationwide | $1,951 |
| USAA | $2,017 |
| Auto-Owners | $2,145 |
| Travelers | $2,369 |
| Auto Club Group - ACG (AAA) | $3,245 |
| Allstate | $4,038 |
| Geico | $4,223 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Minnesota
In Minnesota, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Minnesota by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Minnesota, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $672 | $629 | $1,363 |
| State Farm | $378 | $421 | $1,525 |
| Travelers | $550 | $579 | $1,618 |
| Automobile Club MI (AAA) | $507 | $553 | $1,636 |
| Auto-Owners | $355 | $383 | $1,693 |
| North Star Mutual | $374 | $420 | $2,257 |
| Allstate | $585 | $618 | $2,388 |
| Geico | $498 | $554 | $2,495 |
| Western National Mutual | $497 | $581 | $2,769 |
| USAA | $334 | $375 | $1,382 |
Car insurance rates by city in Minnesota
Brooklyn Center is the most expensive city in Minnesota, with an average car insurance rate of $2,232 a year. Mankato is the cheapest city for Minnesota drivers at an average rate of $1,625 annually.
Car insurance costs differ from city to city in Minnesota, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Minnesota’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,277 |
| Nationwide | $1,360 |
| State Farm | $1,528 |
| Travelers | $1,531 |
| Auto Club Group - ACG (AAA) | $1,577 |
| Auto-Owners | $1,618 |
| Geico | $2,107 |
| Allstate | $2,431 |
| Western National Insurance | $2,838 |
| North Star Mutual | $2,904 |
How much does car insurance cost in Minnesota per month?
The average cost of a full-coverage car insurance policy in Minnesota costs $159 monthly for coverage limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $40 |
| Liability Only – 50/100/50 BI/PD | $43 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 |
Final thoughts on choosing car insurance in Minnesota
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Minnesota.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Minnesota. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 30/60/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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