Minnesota car insurance calculator

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If you drive in Minnesota, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Minnesota car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Minnesota, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Minnesota

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

• Step 1: Choose the model year of your car.
• Step 2: Choose the make and model of your car.
• Step 3: Choose your state.
• Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
• Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Minnesota car insurance calculator

Tell us about your car to get an estimate.

Vehicle year Vehicle year2024202320222021202020192018201720162015

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Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiIneosInfinitiJaguarJeepKiaLand RoverLexusLincolnLucidMaseratiMazdaMercedes-AMGMercedes-BenzMercedes-MaybachMiniMitsubishiNissanPolestarPorscheRamRivianSubaruTeslaToyotaVinFastVolkswagenVolvo

Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD A-Spec AdvanceMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T A-SpecTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type STLX 3.0T Type S High Performance Tire

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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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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

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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.

Does your vehicle model affect car insurance rates in Minnesota?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Minnesota is $2,611, while the average premium for a Honda CR-V is $2,049 – that’s a difference of $562 annually.

How your car’s model year affects insurance rates in Minnesota

In Minnesota, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $3,382 year to insure, whereas the 2024 model costs $2,522 annually.

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.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Minnesota

In Minnesota, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Minnesota costs $3,382 per year. On the other hand, the Honda Accord EX-L trim costs $2,758 annually to insure – a difference of $624.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

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Car insurance estimate in Minnesota

Drivers in Minnesota pay an average of $2,561 per year or $213 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Minnesota. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

How much is car insurance in Minnesota by city

Your location plays a significant role in determining car insurance rates in Minnesota. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Minneapolis pay $3,235 per year for coverage, while those in Truman pay $2,128 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in Minnesota

Top 20 cities with most expensive car insurance in rates Minnesota

Want to know what you’ll pay? Try our Minnesota car insurance calculator

Our Minnesota car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

Shivani Gite

Contributing Writer

 

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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.