Home Car insurance Car insurance calculator Minnesota car insurance calculator Minnesota car insurance calculator Get a quick estimate of car insurance costs in Minnesota with our calculator, tailored to your car, coverage, and location. Compare rates and choose a policy that fits your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onJuly 31, 2026 Why you can trust Insure.com Quality Verified 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. Car insurance rates in Minnesota are influenced by more than just your ZIP code. Your car, level of coverage and driving record all matter – and the gap between the lowest and highest premiums can be hundreds of dollars each year. Enter a few details below to get a quick estimate of what you may pay. How to use our car insurance calculator to estimate your rates in Minnesota Getting an estimate takes less than a minute. Follow these steps:Choose your car’s model yearSelect the make and modelPick Minnesota as your stateClick ‘Get My Rates’ to view your estimateAdd additional vehicles to explore more options, or click ‘Get quotes’ to compare real-time rates 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 Minimum$814/year Liability coverage$944/year Full Coverage$2,722/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? Select 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 - + 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. Data last refreshed in 2026Powered by: What affects your car insurance rate in Minnesota? Your car’s make, model, year and trimYour location within MinnesotaYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in Minnesota?Your car’s make and model can play a major role in determining insurance rates. The make is the brand, and the model is the specific vehicle. For instance, Honda is the make and Accord is the model.Insurers base pricing on repair and replacement costs, how often the model is involved in claims, and theft frequency. Two vehicles with similar prices can still have very different premiums. For example, full coverage for a Honda Accord LX costs $2,668 per year in Minnesota, while the average premium for a Honda CR-V is $2,172 – a difference of $496. Popular cars aren’t always cheaper to insure High theft rates or costly repairs can raise premiums on common models. Check insurance costs before buying a vehicle. Does your car’s model year affect insurance rates in Minnesota?Newer cars generally cost more to insure because they are more expensive to repair or replace. In Minnesota, insuring a 2024 Honda Accord LX costs $2,620, while the 2025 version costs $2,640.However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high. Check your state’s minimum coverage requirements Each state sets minimum insurance requirements, including Minnesota. To drive legally, you’ll need liability coverage that typically includes:Bodily injury liability per person and per accidentProperty damage liability According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage can lead to fines, license suspension and even vehicle impoundment. 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 How does your car’s trim affect insurance rates in Minnesota?Your car’s trim can affect how much you pay for insurance. Trim refers to a particular version of a model that includes different features, equipment, or engine options, such as LX, EX, or Sport.For example, in Minnesota, full coverage for a 2024 Honda Accord LX costs $2,620 annually, while the Accord EX-L trim costs $2,641 – a difference of $21.Features like premium audio systems or advanced tech can increase rates by raising the car’s value. Performance trims may also increase premiums due to higher risk. You might find interesting Explore related topics Average car insurance cost in MinnesotaCar insurance calculator for teens in MinnesotaDo you need insurance to register a car in Minnesota?How much is gap insurance in MinnesotaLow-cost car insurance in MinnesotaMinnesota car insurance: Rates, state minimum requirements and best companiesNon-owner car insurance in Minnesota: Which company has the cheapest rates?The best and cheapest car insurance in MinnesotaSee more Upgrading your trim can increase insurance costs Higher trims often mean higher premiums because upgraded electronics, interiors, and components cost more to repair or replace. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in Minnesota?The average cost of full coverage car insurance in Minnesota is $2,591 per year, or $216 per month. That figure is a useful starting point, but your actual rate can land well above or below it depending on your vehicle, coverage choices, and personal profile.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,591$216Liability Only – 50/100/50 BI/PD$903$75State Minimum BI/PD$852$71Non-Owners$352$29Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It can also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in Minnesota?Your location within Minnesota can impact your premium just as much as your coverage level. Insurers consider traffic density, accident data, weather risks and theft rates when determining prices – which is why two drivers with similar profiles may pay very different amounts depending on their ZIP code.Full coverage costs $2,939 per year in Leonard, compared to $2,274 in Janesville.Top 20 cities with cheapest car insurance rates in MinnesotaThese cities typically have the lowest premiums due to lighter traffic, fewer claims and lower overall risk.CityAvg. Annual PremiumAvg. Monthly PremiumJanesville$2,274$189Mankato$2,282$190Fairmont$2,286$191Moorhead$2,287$191New Richland$2,296$191Owatonna$2,298$191Eagle Lake$2,299$192Truman$2,299$192Albert Lea$2,300$192North Mankato$2,300$192Granada$2,301$192Stewartville$2,304$192Ellendale$2,311$193Welcome$2,314$193Northrop$2,316$193Byron$2,319$193New Ulm$2,320$193Waseca$2,320$193Hanska$2,321$193Pemberton$2,323$194Powered by:Top 20 cities with most expensive car insurance rates in Minnesota These cities tend to have the highest premiums, driven by heavy traffic, higher accident rates and more frequent claims.CityAvg. Annual PremiumAvg. Monthly PremiumLeonard$2,939$245Minneapolis$2,937$245Clearbrook$2,935$245Gonvick$2,932$244Brooklyn Center$2,926$244Shevlin$2,924$244Ah Gwah Ching$2,919$243Bagley$2,915$243St. Paul$2,907$242Lake George$2,893$241Lake Hubert$2,885$240Federal Dam$2,876$240Grandy$2,872$239West Union$2,869$239Longville$2,866$239Outing$2,865$239Lastrup$2,863$239Backus$2,862$239Bena$2,859$238Pine River$2,859$238Powered by: If you’re moving within Minnesota, check insurance rates before you go Relocating from a rural area to a larger city can increase your annual premium by hundreds of dollars – even if everything else stays the same. Frequently asked questions What is the average cost of car insurance in Minnesota? The average cost of full coverage car insurance in Minnesota is $2,591 per year, or $216 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state. How can I lower my car insurance premium in Minnesota? The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up. Does my credit score affect car insurance rates in Minnesota? In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether Minnesota has any restrictions on this practice. Sources:Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your Minnesota car insurance cost with our calculatorOur Minnesota car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .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. In case you missed it The most expensive and cheapest cars to insure Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure How much does car insurance cost for seniors? Non-owner car insurance: How to get car insurance if you don’t own a car The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in MinnesotaDoes your vehicle model affect car insurance rates in Minnesota?Does your car's model year affect insurance rates in Minnesota?How does your car's trim affect insurance rates in Minnesota?How much does car insurance cost in Minnesota?How do car insurance rates vary by city in Minnesota?Frequently asked questionsEstimate your Minnesota car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates 1-833-708-5453