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 premium for car insurance in Minnesota is $1,911 per year or $159 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 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 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you want to secure auto insurance coverage in Minnesota, know the associated costs. On average, premiums for car insurance in Minnesota cost $1,911 per year or $159 monthly. While the national average is $1,895, highlighting a difference of $16.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Minnesota, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Average annual cost $1,911 Average per month cost $159 Average cost for state minimum coverage $475 / Year Cheapest car insurance company Nationwide($1,363 / Year) Average cost for young drivers $3,090 / Year Average cost for Senior drivers $1,852 / Year Key TakeawaysBased on Insure.com’s analysis, car insurance in Minnesota costs $1,911 per year.Car insurance in Minnesota costs $159 per month.Nationwide has the cheapest car insurance rates in Minnesota, at an average annual rate of $1,363 a year.Average car insurance cost in Minnesota per monthIn Minnesota, car insurance costs around $159 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Minnesota, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in MinnesotaThe table below lists the other available car insurance companies which offer car insurance in Minnesota, along with their average cost per month and average annual cost. Affordable car insurance providers in Minnesota Graph Table Company nameAverage per month costAverage annual costNationwide$114$1,363State Farm$127$1,525Travelers$135$1,618Auto Club Group – ACG (AAA)$136$1,636Auto-Owners$141$1,693North Star Mutual$188$2,257Allstate$199$2,388Geico$208$2,495Western National Insurance$231$2,769USAA$115$1,382 Read our guide to cheap car insurance companies Minnesota car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Minnesota Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,265/Year OR $189/month Minnesota Get Quote Get Quote 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 - + *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 2023 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. Average cost of car insurance by coverage levels in MinnesotaThe extent of coverage you opt for directly influences the cost of car insurance in Minnesota. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Minnesota would be $512.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Minnesota amounts to $1,911.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Minnesota, the average annual cost for non-owner state minimum liability coverage stands at $302.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $475 annually in Minnesota.1State minimum:$4752Liability only:$5123Full coverage:$1,9114Non-owners:$302Auto 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 cityBloomingtonDuluthMinneapolisRochesterAverage car insurance cost in Minnesota by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Minnesota:CityAverage annual costBlaine$2,033Bloomington$1,998Brooklyn Park$2,120Duluth$1,825Lakeville$1,870Minneapolis$2,188Plymouth$1,930Rochester$1,710St. Paul$2,164Woodbury$1,961Average car insurance cost in Minnesota by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Minnesota is $3,090, whereas for seniors, it’s $1,852. The rate for young drivers surpasses that of senior drivers by $1,238.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Minnesota for young driversFor female young drivers in Minnesota, the average annual car insurance cost is $2,873, and $239 per month. Conversely, male young drivers face an average annual rate of $3,307, and $276 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,323 $3,628 21 $3,355 $2,892 22 $3,171 $2,770 23 $2,893 $2,592 24 $2,799 $2,481 Average car insurance cost in Minnesota for senior driversFor senior female drivers in Minnesota, the annual cost of car insurance is $1,843, or $154 per month. Similarly, male senior drivers face an annual insurance rate of $1,861, or $155 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,732 $1,723 70 $1,803 $1,784 75 $2,049 $2,021 Read more about senior car insuranceMinimum car insurance requirements in MinnesotaEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Minnesota Department of Insurance, the required coverages and minimum coverage limits in Minnesota are as follows:Bodily injury per person: $30,000 Bodily injury per accident: $60,000 Personal property coverage per person: $10,000 Cheapest cars to insure in Minnesota Insurance costs are lowest for Hyundai Kona Electric owners, with an annual premium of $1,609. Kia Seltos follows closely at $1,640 per year. The difference in the cost of insuring these two models is $31 annually.MakeModelAverage annual premiumHyundaiKona Electric$1,609KiaSeltos$1,640MazdaCX-30$1,643HondaHR-V$1,649KiaNiro EV$1,666SubaruForester$1,691ChevroletTrailBlazer$1,692HondaCR-V$1,692JeepWrangler 4Xe$1,707HyundaiVenue$1,709Most expensive cars to insure in MinnesotaThe most expensive car to insure on the list is the Audi R8 Performance, which has an average annual premium of $7,586. However, the difference between the cheapest and most expensive cars to insure is $5,977 annually.MakeModelAverage annual premiumAudiR8 Performance$7,586MaseratiQuattroporte Trofeo$7,278MaseratiQuattroporte$7,202MaseratiGhibli Trofeo$6,675MaseratiGhibli$5,941BMWAlpina B8$5,806AudiR8$5,776BMWM8$5,703NissanZ Performance$5,611PorschePanamera Turbo S E-Hybrid$5,593MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Minnesota Non-owner car insurance in Minnesota Average renters insurance cost in Minnesota Average homeowners insurance cost in Minnesota In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Minnesota per monthCheapest 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 age of the driverMinimum car insurance requirements in MinnesotaCheapest cars to insure in MinnesotaMost expensive cars to insure in MinnesotaMethodology ZIP Code Please enter valid ZIP See rates