The cost of car insurance in Minnesota varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Nationwide offers the cheapest rates at $1,363 a year for full coverage.
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.
- 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%.
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 plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
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 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.
In the table below, see the car insurance premiums in Minnesota for three different coverages.
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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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Minnesota
The average cost of liability-only insurance in Minnesota is $512 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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
On average, premiums for full coverage car insurance in Minnesota cost $1,911 per year 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.
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.
This means that residents in higher-risk neighborhoods in Minnesota have to bear greater financial burdens than those in areas with lower risks.
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 ( Liability - Minimum)
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 example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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
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.
Drivers aged 16-19 pay $3,412 more for car insurance than Minnesota drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,830 annually in Minnesota.
- For senior drivers: Drivers aged 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 get caught speeding in Minnesota, your car insurance rates will increase by 34% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here is how much your car insurance rate increases in Minnesota after driving incidents:
- Speeding ticket: Up to 34% increase
- DUI conviction: 98% increase
- At-fault accident (bodily injury and property damage): 40% increase
But even with a traffic ticket, comparison shopping can save you money.
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.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
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.
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.
Compare the best car insurance options in Minnesota by getting quotes from different insurance companies.
Below are the details of Minnesota car insurance companies and their annual premiums.
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Car insurance rates by city in Minnesota
Brooklyn Center is Minnesota’s most expensive city for car insurance at an average cost of $2,232 annually. Mankato is the state’s least expensive city, with an average car insurance 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.
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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
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Final thoughts on choosing car insurance in Minnesota
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
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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