Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Minnesota Average car insurance cost in Minnesota The average full coverage car insurance cost in Minnesota is $2,561 annually, or $213 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,561 a year or $213 per month for Minnesota drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $585 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,561 Average per month cost $213 Average cost for state minimum coverage $628 / Year Cheapest car insurance company Travelers($1,776 / Year) Average cost for young drivers $3,944 / Year Average cost for Senior drivers $2,317 / Year Average car insurance cost in Minnesota If you’re a resident of Minnesota, full coverage car insurance typically costs about $213 per month, adding up to $2,561 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $49, or $585 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in MinnesotaTravelers provides the lowest full coverage rates, for an average cost of $1,776 per year or $148 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Auto-Owners also offers affordable insurance coverage to Minnesota drivers at an average cost of $1,864 a year or $155 per month.Although these insurers offer some of the most affordable average rates in Minnesota, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Minnesota Graph Table Company nameAverage per month costAverage annual costTravelers$148$1,776Auto-Owners$155$1,864Auto Club Group – ACG (AAA)$170$2,035State Farm$200$2,404Nationwide$210$2,515Allstate$240$2,883North Star Mutual$263$3,161GEICO$284$3,406Western National Insurance$358$4,298USAA*$143$1,713*USAA is only available to military community members and their families.Powered by: Minnesota car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Minnesota Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Minnesota Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$836/year Full Coverage$2,728/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in MinnesotaYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $49 a month, or about $585 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Minnesota pay around $213 per month, or roughly $2,561 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$585Liability only$628Full coverage$2,561Non-owner state minimum liability$278Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Minnesota by cityDuluthMinneapolisRochester Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Minnesota by cityWhere you live in Minnesota can have a big impact on your car insurance rates.If you’re located in cities like Minneapolis, St. Paul, or Brooklyn Park, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Rochester and Duluth tend to pay much lower insurance premiums, between $2,402 and $2,422 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costRochester$2,402Duluth$2,422Lakeville$2,533Plymouth$2,608Woodbury$2,659Bloomington$2,691Blaine$2,757Brooklyn Park$2,858St. Paul$3,070Minneapolis$3,235Powered by:Average car insurance cost in Minnesota by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Minnesota, based on age and gender.Average car insurance cost in Minnesota for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Minnesota pays an average of $5,470 annually for car insurance, compared to $4,615 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,845 per year for male drivers and $2,707 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,470$4,61521$4,505$3,76022$4,263$3,63723$3,580$3,06424$3,439$2,967Powered by:Average car insurance cost in Minnesota for adult driversAn adult driver aged 25-60 in Minnesota pays $2,494 annually for full coverage, or around $208 each month. Women in the same age group pay $2,433 per year or $203 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,845$2,70730$2,622$2,54835$2,595$2,52740$2,601$2,52245$2,592$2,50350$2,249$2,25955$2,229$2,19760$2,237$2,202Powered by:Average car insurance cost in Minnesota for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,223 annually, while women pay $2,191.By 70, average rates go up to $2,293 for men and $2,248 for women. At age 75, costs increase further, reaching $2,503 for men and $2,448 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,223$2,19170$2,293$2,24875$2,503$2,448Powered by:Minimum car insurance requirements in MinnesotaWhether you’re purchasing a policy for the first time or relocating to Minnesota, it’s important to understand the state’s liability coverage requirements.Drivers in Minnesota must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $30,000Bodily injury per accident: $60,000Property damage liability: $10,000Cheapest cars to insure in MinnesotaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Honda CR-V is one of the cheapest cars to insure in Minnesota, with an average premium of $2,049 per year. Honda HR-V has an average annual cost of $2,084.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumHonda CR-V$2,049Honda HR-V$2,084Subaru Forester$2,125Hyundai Venue$2,132Kia Niro EV$2,157Hyundai Tucson$2,178Kia Niro Hybrid$2,183Chevrolet TrailBlazer$2,187Mini Cooper Electric$2,191Volkswagen Tiguan$2,192Powered by:Most expensive cars to insure in MinnesotaMaserati Quattroporte is one of the most expensive vehicles to insure in Minnesota, with an average annual cost of $8,849.Below is a list of the costliest vehicles to insure in Minnesota and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$8,849Maserati Ghibli$7,795BMW M8 Gran Coupe$7,262BMW M8$7,177Audi RS7$7,166BMW XM$6,994Audi S8$6,845Nissan GT-R$6,763Porsche 911 Turbo$6,713Audi RS6$6,695Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in MinnesotaCheapest car insurance companies in MinnesotaAverage cost of car insurance by coverage levels in MinnesotaAverage car insurance cost in Minnesota by cityAverage car insurance cost in Minnesota by ageMinimum car insurance requirements in MinnesotaCheapest cars to insure in MinnesotaMost expensive cars to insure in MinnesotaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330