Average car insurance cost in Minnesota

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The average Minnesota driver pays $2,591 a year, or $216 a month, for full coverage car insurance. Choosing only the state’s minimum liability requirement instead brings that number down to $852 a year, or $71 a month. Since these figures reflect statewide averages, your own quote may land above or below them.

A number of variables shape what you’ll actually pay, including your location, age, driving record, credit score, and vehicle type. Insurers additionally weigh risks specific to your state, such as accident frequency, medical and repair costs, theft, and weather exposure. This is one reason urban drivers usually see higher premiums than those in less populated areas.

Some factors are within your control, though. A clean driving record, a stronger credit score, bundled policies, and comparing quotes across insurers can all work in your favor to lower your premium.

How much does car insurance cost in Minnesota?

Full coverage in Minnesota costs drivers $216 a month, or $2,591 a year, on average, while state minimum coverage averages $71 a month, or $852 a year.

Check the table below for a breakdown of average rates in Minnesota, based on different coverage levels. Since these numbers are statewide averages, your own premium may differ.

What does each coverage type include?

• State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.
• Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.
• Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.
• Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.
• Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.
• Non owners: Made for drivers without a vehicle of their own who borrow cars now and then and need liability coverage in place.

See what you’d actually pay

Averages are a starting point, not your actual rate. Follow these four steps to get closer to your real number:

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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 Minimum$814/year

Liability coverage$944/year

Full Coverage$2,722/year

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Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit.

For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations.

Average rates are for comparative purposes; your rate will depend on your personal factors.

How much car insurance coverage do you need in Minnesota?

Drivers in Minnesota must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.

Minimum liability breaks down into two parts:

• Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.
• Property damage liability pays to repair or replace others’ property, like their car or a fence.

Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it.

Who has the cheapest car insurance in Minnesota?

Travelers has the cheapest rates, at an average of $1,837 per year or $153 a month for a full coverage policy with 100/300/100 limits and $500 collision and comprehensive deductibles.

Auto Club Group (AAA) also stands out for its affordable premiums, with an average premium of $177 per month or $2,129 annually.

While these companies have some of the lowest average rates in Minnesota, your actual premium may vary. It’s always worth comparing quotes to find the best deal.

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How much does car insurance cost by city in Minnesota?

Car insurance rates in Minnesota vary by city – drivers in Rochester and Duluth pay $2,417 to $2,471 a year, while those in Minneapolis, St. Paul and Brooklyn Park pay significantly more.

Location affects your rate because insurers price risk differently by area. Cities with heavier traffic, higher accident rates, and more theft or vandalism tend to have higher premiums, while areas with lower population density and fewer claims generally see lower rates.

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.

How does age affect car insurance rates in Minnesota?

Age is one of the biggest factors insurers use to determine how much you pay for coverage. Generally, premiums are highest for teen drivers, drop after age 25, stay relatively stable through adulthood, then rise again once drivers reach their early 70s. That’s because insurers view both very young and older drivers as higher risk – younger drivers due to limited experience, and older drivers due to slower reaction times and changes in vision.

Here’s a closer look at what you might pay in Minnesota based on your age and gender.

Car insurance rates for young drivers in Minnesota

If 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 $5,308 per year for car insurance, while females of the same age pay $4,917.

But by the time you turn 25, insurance premiums drop to $3,007 a year on average for male drivers and $2,912 for female drivers.

Car insurance rates for adults in Minnesota

On average, an adult male driver in Minnesota pays $2,573 a year for full coverage or $214 per month. Women pay $2,556 a year or $213 per month for the same coverage. Compared to teens who are just starting out and seniors who may have slower reaction times, adults are seen as less risky to insure, which is why their rates are typically lower.

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.

Car insurance rates for senior drivers in Minnesota

If you’re a senior driver, your car insurance costs go up as you age, as insurers see older drivers as higher risk due to factors like slower reaction times and vision changes, which can increase the chance of an accident.

At age 65, men pay about $2,334 per year, while women pay $2,302. But by age 70, average annual premiums rise to $2,438 for men and $2,408 for women. At 75, rates increase even further – $2,651 for male drivers and $2,584 for female drivers.

Despite rates going up for seniors, you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.

Which cars are the cheapest and most expensive to insure in Minnesota?

Jeep Wrangler is the most affordable vehicle to insure in Minnesota, at $2,047 a year, while BMW M5 Touring tops the list as the priciest, at $6,950 a year. The vehicle you drive plays a major role in your premium – strong safety ratings, cheaper repairs, and fewer claims all bring costs down, while frequent theft, high repair bills, or higher accident rates push costs up.

Cheapest cars to insure in Minnesota

Topping the list for affordability is Jeep Wrangler, averaging $2,047 a year, followed closely by Ford Transit at $2,167 a year. Here’s a look at the cheapest cars to insure in Minnesota and their average annual premiums:

Most expensive cars to insure in Minnesota

No vehicle costs more to insure in Minnesota than BMW M5 Touring, which averages $6,950 a year. Here’s a look at the priciest vehicles to insure and their average annual premiums:

Methodology

To determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.

Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:

• Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.
• State minimum: the lowest coverage your state legally allows.
• Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.

Additionally, we collected average rates for drivers across four age groups:

• Teen drivers (16-19)
• Young drivers (20-24)
• Adult drivers (25-26)
• Senior drivers (65-75)

To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.

The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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