Average Car Insurance Cost in Minnesota (2025)
Drivers in Minnesota pay an average of $131 per month for car insurance.
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The average monthly cost of car insurance in Minnesota is $131, 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.
Quick Facts
The average cost of minimum-coverage car insurance in Minnesota is $92 per month, and full coverage averages $170 per month.
State Farm offers the cheapest car insurance coverage on average in Minnesota.
Duluth has the lowest average car insurance rates, at $82 per month for liability-only coverage.
How much is car insurance in Minnesota?
The average cost of liability-only car insurance in Minnesota is $92 per month, or $1,104 annually, according to Insurify data. Full coverage includes comprehensive and collision and costs Minnesota drivers an average of $170 per month, or $2,038 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
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To find car insurance rates in Minnesota and the U.S. over the last two years, download our data here.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $114 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 $115 per month for liability coverage. Drivers with a DUI conviction pay the highest rates, averaging $148 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance companies may use your credit history to create a credit-based insurance score. While illegal in a handful of states, Minnesota insurers can consider your credit history as part of their underwriting process.6 Drivers with low credit scores often pay higher car insurance rates in Minnesota, as insurers perceive them as a higher risk. On the other hand, drivers with excellent credit may qualify for the cheapest car insurance rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Minnesota average car insurance cost FAQs
If you have more questions about insurance costs in Minnesota and the different insurance requirements, the following information may help.
The average annual cost of liability coverage in Minnesota is $1,104. Full-coverage car insurance averages $2,038 annually.
The companies with the cheapest car insurance in Minnesota include State Farm, Safeco, and Auto-Owners. But your driving record, ZIP code, credit history, and other factors all affect your car insurance rates.
The average monthly rate for state-minimum liability insurance in Minnesota is $92. Full-coverage insurance, which offers drivers more protection, averages $170 per month.
The best auto insurance companies in Minnesota include Safeco, Progressive, National General, Direct Auto, Bristol West, Auto-Owners, and Liberty Mutual. Research several insurers to find the best one for your needs.
Minnesota drivers must have several types of coverage per state law.7 State minimums include the following coverages:
$30,000 per person and $60,000 per accident in bodily injury liability
$10,000 in property damage liability
$40,000 per person, per accident in personal injury protection (PIP), which helps pay medical expenses
$25,000 per person and $50,000 per accident in both uninsured and underinsured motorist coverage
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