The type of vehicle you own in Minnesota can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Minnesota for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Minnesota
The Honda CR-V and Honda HR-V are the cheapest vehicles to insure in Minnesota, closely followed by the Subaru Forester and Hyundai Venue, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Minnesota and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $1,025 |
| Honda HR-V | $1,042 |
| Subaru Forester | $1,062 |
| Hyundai Venue | $1,066 |
| Kia Niro EV | $1,078 |
| Hyundai Tucson | $1,089 |
| Kia Niro Hybrid | $1,091 |
| Chevrolet TrailBlazer | $1,093 |
| Mini Cooper Electric | $1,096 |
| Volkswagen Tiguan | $1,096 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Minnesota
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Minnesota
Our data shows that Subaru Legacy is the most affordable sedan to insure in Minnesota. Its average six-month full coverage cost is $1,195 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Honda Civic Sedan takes the second spot at $1,247, while the Kia Forte comes in third with an average cost of $1,267.
The table below shows the cheapest sedans to insure in Minnesota and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,195 |
| Honda Civic Sedan | $1,247 |
| Kia Forte | $1,267 |
| Nissan Versa | $1,270 |
| Volkswagen Jetta | $1,274 |
| Toyota Camry | $1,288 |
| Toyota Corolla | $1,302 |
| Honda Accord | $1,305 |
| Nissan Sentra | $1,324 |
| Hyundai Elantra | $1,325 |
| Chevrolet Malibu | $1,333 |
| Mazda 3 Sedan | $1,358 |
| Volkswagen Jetta GLI | $1,369 |
| Nissan Altima | $1,391 |
| Mitsubishi Mirage G4 | $1,409 |
| Kia K5 | $1,411 |
| Hyundai Sonata | $1,445 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Minnesota
The Honda CR-V and Honda HR-V are the cheapest SUVs to insure in Minnesota, with an average cost of $1,025 and $1,042 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $1,025 |
| Honda HR-V | $1,042 |
| Subaru Forester | $1,062 |
| Hyundai Tucson | $1,089 |
| Chevrolet TrailBlazer | $1,093 |
| Volkswagen Tiguan | $1,096 |
| Kia Sportage | $1,099 |
| Chevrolet Trax | $1,104 |
| Honda Pilot | $1,106 |
| Toyota Corolla Cross | $1,107 |
| Hyundai Kona | $1,107 |
| Mazda CX-5 | $1,114 |
| Volkswagen Taos | $1,118 |
| Chevrolet Equinox | $1,130 |
| Jeep Wrangler | $1,130 |
| Subaru Crosstrek | $1,133 |
| Ford Escape | $1,134 |
| Mazda CX-30 | $1,136 |
| Toyota RAV4 | $1,139 |
| Kia Seltos | $1,140 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Minnesota
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $1,311.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,311 |
| Honda Civic Si | $1,336 |
| Chevrolet Camaro | $1,467 |
| Ford Mustang | $1,580 |
| Toyota GR Corolla | $1,658 |
| Toyota GR86 | $1,679 |
| Toyota GR Supra | $1,750 |
| Subaru WRX | $1,769 |
| Subaru BRZ | $1,771 |
| BMW Z4 | $1,881 |
| Honda Civic Type R | $1,918 |
| Chevrolet Corvette | $1,981 |
| Chevrolet Camaro ZL1 | $2,078 |
| Porsche 718 Boxster | $2,107 |
| Porsche 718 Cayman | $2,265 |
| Chevrolet Corvette Z06 | $2,571 |
| Nissan Z | $2,711 |
| Jaguar F-Type | $2,820 |
| Porsche 911 | $2,915 |
| Porsche 911 GT3 | $3,152 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Minnesota
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,133 for a six-month full coverage policy. The Volvo XC40 and Acura MDX also have affordable insurance rates at $1,221 and $1,243, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,133 |
| Volvo XC40 | $1,221 |
| Acura MDX | $1,243 |
| Cadillac XT4 | $1,265 |
| Lincoln Corsair | $1,271 |
| Cadillac XT5 | $1,306 |
| BMW X3 | $1,355 |
| Audi Q3 | $1,358 |
| Lexus RX | $1,378 |
| Lexus NX | $1,383 |
| Acura TLX | $1,386 |
| Acura Integra | $1,400 |
| BMW X1 | $1,402 |
| Volvo XC60 | $1,408 |
| BMW X2 | $1,438 |
| Cadillac XT6 | $1,441 |
| Lincoln Aviator | $1,446 |
| Jaguar E-Pace | $1,466 |
| Land Rover Discovery Sport | $1,481 |
| Mercedes-Benz GLA-Class | $1,486 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Minnesota
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,404 annually, which breaks down to $284 monthly.
The table below highlights the most affordable EVs to insure in Minnesota, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Kia Niro EV | $1,078 |
| Mini Cooper Electric | $1,096 |
| Hyundai Kona Electric | $1,130 |
| Volkswagen ID.4 | $1,139 |
| Nissan Leaf | $1,230 |
| Chevrolet Silverado EV | $1,324 |
| Audi Q4 e-tron | $1,366 |
| Subaru Solterra | $1,386 |
| Hyundai Ioniq 5 | $1,457 |
| Ford Mustang Mach-E | $1,468 |
| Ford F-150 Lightning | $1,491 |
| Cadillac LYRIQ | $1,501 |
| Volvo XC40 Recharge | $1,516 |
| Toyota bZ4X | $1,526 |
| Kia EV6 | $1,549 |
| Genesis GV60 | $1,615 |
| Genesis Electrified GV70 | $1,633 |
| Nissan Ariya | $1,642 |
| Hyundai Ioniq 6 | $1,665 |
| Polestar 2 | $1,671 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Minnesota
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,174 to insure a Subaru Forester, while insuring a Honda CR-V costs $3,195 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Minnesota?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,078 for a six-month full coverage policy to insure the Kia Niro EV, and you can expect to pay an average of $1,096 for the Mini Cooper Electric for the same coverage.
Which SUVs are the cheapest to insure in Minnesota?
In Minnesota, insuring a Honda CR-V SUV costs about $1,025 for six months, making it one of the most affordable options. The Honda HR-V and Subaru Forester also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Minnesota?
The Subaru Forester, Honda CR-V, Kia Niro EV and Hyundai Venue are some of the cheapest cars to insure for 18-year-olds in Minnesota. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Audi RS7 can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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