- The average cost of car insurance in Minnesota is $2,591 a year or $216 per month, based on our data analysis.
- Minimum liability coverage in Minnesota costs around $1,099 annually for limits of 30/60/10, while liability-only coverage costs $1,171 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Minnesota, costing $1,837 per year.
- In Minnesota, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 37%, a DUI raising rates by 145%, and an at-fault accident by up to 59%.
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. Travelers offers the cheapest rates at $1,837 a year for full coverage.
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 get a clear idea of how car insurance in Minnesota works and how much coverage you need.
How much is car insurance in Minnesota?
According to CarInsurance.com data, drivers in Minnesota pay about $216 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 $603 a month or $7,240 a year.
- Young drivers in their 20s pay an average of $335 monthly or $4,020 annually, for car insurance.
- Senior drivers pay around $204 monthly or $2,451 a year.
- A speeding ticket can increase your rates to $296 monthly or $3,550 annually.
- An at-fault accident increases car insurance rates to $344 a month or $4,122 a year.
- Poor credit drivers usually see their car insurance costs increase to $579 monthly or $6,949 annually.
Average cost of auto insurance in Minnesota by coverage level
Car insurance costs in Minnesota can differ based on the coverage limit. To legally drive, Minnesota residents must adhere to the minimum liability limits of 30/60/10.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $92 | $1,099 |
| Liability Only – 50/100/50 BI/PD | $98 | $1,171 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $216 | $2,591 |
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 $1,099 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 $1,171 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
On average, premiums for full coverage car insurance in Minnesota cost $2,591 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Minnesota by car model
Car insurers in Minnesota use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
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.
See how much you’ll pay for car insurance for your specific 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 $2,510 annually.
Minnesota drivers aged 16-19 pay $4,730 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 $7,240 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,844 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,510 per year in Minnesota.
- For senior drivers: Drivers age 65 and older can expect to pay $2,451 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Minnesota
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Minnesota, a DUI conviction often results in higher premiums and you may see an increase of up to 145% as insurers perceive you as a high-risk driver.
If you get caught speeding in Minnesota, your car insurance rates will increase by 37% 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’s a breakdown of how much your car insurance rate goes up in Minnesota following driving incidents:
- Speeding ticket: Up to 37% increase
- DUI conviction: 145% increase
- At-fault accident (bodily injury and property damage): 59% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
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 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.
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.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $857 | $904 | $1,837 |
| Auto Club Group (AAA) | $1,166 | $1,269 | $2,129 |
| Auto-Owners | $748 | $800 | $2,243 |
| State Farm | $1,284 | $1,412 | $2,332 |
| Nationwide | $1,973 | $1,918 | $2,597 |
| Allstate | $1,064 | $1,138 | $3,129 |
| North Star Mutual | $762 | $866 | $3,181 |
| GEICO | $919 | $1,027 | $3,397 |
Car insurance rates by city in Minnesota
Minneapolis is Minnesota’s most expensive city for car insurance at an average cost of $2,937 annually. Rochester is the state’s least expensive city, with an average car insurance rate of $2,417 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.
How much does car insurance cost in Minnesota per month?
The average cost of a full-coverage car insurance policy in Minnesota costs $216 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $92 |
| Liability Only – 50/100/50 BI/PD | $98 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $216 |
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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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