- The average cost of car insurance in Minnesota is $1,911 a year or $159 per month, based on our data analysis.
- Minimum liability coverage in Minnesota costs around $475 annually for limits of 30/60/10, while liability-only coverage costs $512 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Minnesota, costing $1,363 per year.
- 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%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,363 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Minnesota. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Minnesota and how much you need.
How much is car insurance in Minnesota?
According to CarInsurance.com data, drivers in Minnesota pay about $159 per month 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.
See how rates change in Minnesota based on driver profile:
- Teen drivers in Minnesota pay the most — about $437 a month or $5,242 a year.
- Young drivers in their 20s pay an average of $258 monthly or $3,090 annually, for car insurance.
- Senior drivers pay around $154 monthly or $1,852 a year.
- A speeding ticket can increase your rates to $217 monthly or $2,600 annually.
- An at-fault accident increases car insurance rates to $244 a month or $2,931 a year.
- Poor credit drivers usually see their car insurance costs increase to $443 monthly or $5,321 annually.
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 insurance policies are the most affordable option and provide the minimum coverage required in Minnesota. However, they don’t offer much protection.
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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Minnesota for three different coverages.
| 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.
In Minnesota, you can get state minimum car insurance for $475 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Minnesota must be aware of the minimum insurance coverage requirements to stay 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 insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Minnesota
In Minnesota, you can expect to pay around $1,911 per year for full coverage car insurance for the 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, 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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Minnesota pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Minnesota
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in Minnesota
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
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, people living in higher-risk neighborhoods of Minnesota have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Minnesota
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Estimate car insurance in Minnesota by car model
Minnesota car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Minnesota.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Minnesota
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Minnesota, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,830 annually.
Minnesota drivers aged 16-19 pay $3,412 more for insurance premiums than 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.
If you receive a speeding ticket in Minnesota, be prepared for your car insurance rates to rise by up to 34% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider 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
High-risk drivers in Minnesota pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
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 priciest city in Minnesota for car insurance, costing an average of $2,232 annually. On the other hand, Mankato is the most affordable city, where drivers pay an average of $1,625 per year for car insurance.
Car insurance premiums differ across cities in Minnesota and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Minnesota’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
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.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Minnesota.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 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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