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 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. | Updated on: February 23, 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 A full coverage car insurance policy costs around $2,561 a year or $213 per month for Minnesota drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $585 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. 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 012345 1 of 6 Average car insurance cost in Minnesota Drivers in Minnesota generally pay an average of $213 per month or $2,561 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $49 or $585 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in MinnesotaIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,776 per year or $148 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Auto-Owners also provides affordable insurance rates in Minnesota for a full coverage policy at an average annual insurance cost of $1,864 or $155 monthly.While these companies offer some of the lowest average premiums in Minnesota, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. 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: *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? 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 - + 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 MinnesotaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $49 per month or $585 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Minnesota, drivers typically pay $213 per month or $2,561 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Minnesota, based on age and gender.Average car insurance cost in Minnesota for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Minnesota pays an average of $5,470 annually for car insurance, compared to $4,615 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,845 per year for male drivers and $2,707 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 driversAn adult driver aged 25-60 in Minnesota pays $2,494 annually for full coverage, or around $208 each month. Women in the same age group pay $2,433 per year or $203 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,223 annually, while women pay $2,191.By 70, average rates go up to $2,293 for men and $2,248 for women. At age 75, costs increase further, reaching $2,503 for men and $2,448 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 MinnesotaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda CR-V tops the list for cheapest car to insure in Minnesota at an average cost of $2,049 a year, followed closely by Honda HR-V at $2,084 per year.The table below outlines the vehicles with the lowest insurance costs.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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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