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: January 7, 2026 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 If you’re in Minnesota, your monthly cost for full coverage car insurance is $213, which adds up to $2,561 per year. For minimum coverage, expect to pay an average of $49 monthly, or $585 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 MinnesotaIf you live in Minnesota can expect to pay an average of $213 per month for full coverage car insurance – that’s $2,561 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $49 monthly or $585 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in MinnesotaTravelers has the cheapest rates, at an average annual cost of $1,776 or $148 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Auto-Owners also stands out for its affordable premiums, with an average cost of $155 per month or $1,864 annually.While these insurance companies have some of the lowest average rates in Minnesota, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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 MinnesotaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $49 per month, or $585 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Minnesota, the average cost for full coverage is $213 per month, or $2,561 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 citySee rates in your 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 cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Minneapolis, St. Paul or Brooklyn Park, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Rochester or Duluth pay significantly low insurance rates, on average between $2,402 and $2,422 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Minnesota for a full coverage policy based on your age and gender.Average car insurance cost in Minnesota for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Minnesota pay an average of $5,470 per year for car insurance, while females of the same age pay $4,615.But by the time you turn 25, insurance premiums drop to $2,845 a year on average for male drivers and $2,707 for female drivers.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 driversOn average, an adult male driver in Minnesota pays $2,494 a year for full coverage or $208 per month. Women pay $2,433 a year or $203 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,223 per year, while women pay $2,191. But by age 70, average premiums rise to $2,293 for men and $2,248 annually for women. At 75, rates increase even further – $2,503 for male drivers and $2,448 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 MinnesotaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda CR-V has the lowest premium, at an average of $2,049 a year, closely followed by Honda HR-V, with an average annual car insurance cost of $2,084.The table below shows the cheapest cars to insure and their average annual 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 tops the list as the most expensive car to insure in Minnesota, at an average annual cost of $8,849. Below is a list of the most expensive vehicles to insure in Minnesota and their average annual 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:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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:Teen drivers aged 16-19Young 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 states No matches are found 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