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If you are looking for auto insurance in Minnesota, knowing how much it will cost is a promising idea. The average premium for car insurance in Minnesota is $1,493 per year or $124 per month. While the national average is $1,682. There is a difference of $189 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Minnesota, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in Minnesota
Average annual cost
$1,493
Average per month cost
$124
Average cost for state minimum coverage
$479 / Year
Cheapest car insurance company
Nationwide
($922/ Year)
Average cost for young drivers
$2,345 / Year
Average cost for Senior drivers
$1,385 / Year

Key Takeaways

  • The average car insurance cost in Minnesota is $1,493 per year, based on Insure.com’s analysis.
  • In Minnesota, the average premium for car insurance is $124 per month.
  • Nationwide has the cheapest car insurance rates in Minnesota, at an average annual rate of $922 a year.

Average car insurance cost in Minnesota per month

In Minnesota, the average premium for car insurance is $124 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Minnesota, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Minnesota is Nationwide. The average annual cost is $922 while the average cost per month is $77. The second-best option available is, State Farm, offering insurance at an average per month cost of $83.

The 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.

Company nameAverage per month costAverage annual cost
Nationwide$77$922
State Farm$83$992
USAA$103$1,236
American Family$104$1,245
Travelers$119$1,430
Auto-Owners$120$1,435
Farmers Insurance$132$1,586
Geico$141$1,689
Automobile Club MI$183$2,196
Allstate$183$2,197

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in Minnesota

The amount of coverage you purchase has an impact on how much car insurance costs in Minnesota. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Minnesota is $511.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Minnesota is $1,493 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Minnesota, the average annual cost for non-owner state minimum liability only is $257.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $479 per year in Minnesota.

Coverage limitsAverage annual cost
50/100/50 Liability Only$511
100/300/100 Liability with $500 Comp/Coll Deductible$1,493
Non-Owner State Minimum Liability Only$257
State Minimum Liability Only$479

Average car insurance cost in Minnesota by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Minnesota:

CityAverage annual cost
Minneapolis$1,833
St. Paul$1,855
Rochester$1,406
Duluth$1,445
Bloomington$1,523
Brooklyn Park$1,667
Plymouth$1,467
Woodbury$1,503
Maple Grove$1,471
St. Cloud$1,454

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 city

Average car insurance cost in Minnesota by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Minnesota is $2,345 while for seniors is $1,385. Here, the rate for young drivers is $960 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Minnesota for young drivers

The average car insurance cost for female young drivers in Minnesota is $2,173 per year or $181 per month and rate for a male young driver is $2,518 per year or $210 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$4,071$3,452
19$3,506$2,898
20$3,204$2,711
21$2,623$2,234
22$2,397$2,077
23$2,244$1,967
24$2,123$1,874
25$1,821$1,698

Average car insurance cost in Minnesota for senior drivers

In Minnesota, the cost of car insurance for senior female driver is $1,387 per year or $116 per month and cost of car insurance for male senior driver is $1,383 per year or $115 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,322$1,328
70$1,417$1,423
75$1,582$1,589

Read more about senior car insurance

Minimum car insurance requirements in Minnesota

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Minnesota Department of Insurance, the following are the required coverages and minimum coverage limits in Minnesota:

  • 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

The Subaru Forester 2.5I has the lowest average annual insurance premium at $1,290, followed closely by the Hyundai Venue SE at $1,300. The difference in the cost of insuring these two models is $10 annually.

MakeModelAverage annual premium
SubaruForester 2.5I$1,290
HyundaiVenue SE$1,300
HondaHR-V EX$1,302
KiaSeltos EX$1,302
FordTransit Connect Titanium$1,305
MazdaCX-5 S$1,318
JeepWrangler Rubicon$1,320
MiniCooper SE$1,322
ChryslerVoyager LX$1,327
HondaCR-V EX$1,331

Most expensive cars to insure in Minnesota

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,750. However, the difference between the cheapest and most expensive cars to insure is $4,460 annually.

MakeModelAverage annual premium
MaseratiQuattroporte$5,750
MaseratiGhibli Modena$5,073
BMWM760i xDrive$4,893
MaseratiLevante Trofeo$4,891
MaseratiGhibli Trofeo$4,864
MaseratiGhibli GT$4,864
AudiRS6 Avant Quattro$4,800
TeslaModel S Plaid$4,647
AudiRS E-tron GT$4,503
AudiR8 5.2L V10 Quattro Performance$4,472

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have 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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other states

Alaska$1,359/Year
Alabama$1,542/Year
Arkansas$1,597/Year
Arizona$1,617/Year
California$2,115/Year
Colorado$1,940/Year
Connecticut$1,750/Year
Delaware$2,137/Year
Florida$2,560/Year
Georgia$1,647/Year
Hawaii$1,306/Year
Iowa$1,321/Year
Idaho$1,121/Year
Illinois$1,578/Year
Indiana$1,256/Year
Kansas$1,594/Year
Kentucky$2,105/Year
Louisiana$2,546/Year
Massachusetts$1,538/Year
Maryland$1,640/Year
Maine$1,116/Year
Michigan$2,133/Year
Missouri$2,104/Year
Mississippi$1,606/Year
Montana$1,692/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
Nebraska$2,018/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
Nevada$2,023/Year
New York$2,020/Year
Ohio$1,023/Year
Oklahoma$1,797/Year
Oregon$1,244/Year
Pennsylvania$1,445/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
Tennessee$1,373/Year
Texas$1,875/Year
Utah$1,469/Year
Virginia$1,321/Year
Vermont$1,158/Year
Washington$1,371/Year
Wisconsin$1,499/Year
West Virginia$1,610/Year
Wyoming$1,736/Year
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