The average monthly cost of car insurance in Minnesota is $132, according to Insurify data. Relative to other states, Minnesota’s rates fall solidly in the middle, closely aligning with the national average. Over the past couple of years, Minnesota car insurance rates jumped by more than twice the national average, with severe weather and poor driving largely responsible for the increase.1

Here’s what you should know about Minnesota car insurance prices, the factors that affect rates, and ways you can reduce your premiums and get the best insurance.

How much is car insurance in Minnesota?

The average cost of liability-only car insurance in Minnesota is $93 per month, or $1,114 annually, according to Insurify data. Full coverage includes comprehensive and collision and costs Minnesota drivers an average of $172 per month, or $2,065 annually. Your insurance rate depends on your driving record, where you live, and the type of coverage you choose.

How Minnesota car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Minnesota rose to $2,600 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Minnesota.

See how Minnesota car insurance prices have changed over the past two years below.

Average Minnesota car insurance rates by city

Where you live in Minnesota can affect your car insurance premiums. Average car insurance costs vary by city and ZIP code due to factors like crime, theft, vandalism, and frequency of car accidents.2 Population density can also influence rates, with premiums in larger cities like Minneapolis being steeper than in Henderson.

Average Minnesota car insurance rates by age and gender

Your car insurance rate also depends on your age and gender. Younger drivers, especially teens, typically pay higher premiums than older drivers due to risky driving behaviors and limited experience behind the wheel.3 But that trend reverses once you reach age 70 and age-related impairments cause insurance rates to rise.4

As shown in the chart below, car insurance rates decrease steadily with age when comparing a 16-year-old driver with a 50-year-old driver. In general, females have fewer risk factors than male drivers and typically pay less.5 However, based on Insurify data, that’s not the case in Minnesota, as female drivers pay slightly more.

Average cost to insure popular vehicles in Minnesota

The type of car you drive also affects your insurance costs in Minnesota. The chart below shows average costs to insure Minnesota’s five most popular vehicles, according to data from Edmunds. These vehicles may be in demand in Minnesota based on their unique safety features and ability to handle diverse terrain.

How your driving record affects car insurance rates in Minnesota

Your driving record plays the biggest role in your insurance premiums. Any incident on your record could increase the likelihood of another one, so insurance companies raise rates to offset the risk.

If you have an accident on your record, you’ll pay an average of $113 per month for liability insurance. A speeding ticket on your record affects your insurance rates in a similar way — you’ll pay an average of $116 per month for liability coverage. Drivers with a DUI conviction pay the highest rates, averaging $150 monthly for liability-only coverage.

Below, you can see rates for a sample driver profile based on the type of incident and the percentage increase compared to drivers with a clean record.

How to lower your insurance costs in Minnesota

As car insurance rates continue to rise nationwide, finding cheap coverage is becoming increasingly challenging, including in Minnesota. You can reduce your insurance costs by following these strategies: