Average Car Insurance Cost in Minnesota (2025)
Drivers in Minnesota pay an average of $148 per month for car insurance.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
The average monthly cost of car insurance in Minnesota is $148, according to Insurify data. Relative to other states, Minnesota’s rates fall solidly in the middle, closely aligning with the national average. Over the past couple of years, Minnesota car insurance rates jumped by more than twice the national average, with severe weather and poor driving largely responsible for the increase.[1]
Here’s what you should know about Minnesota car insurance prices, the factors that affect rates, and ways you can reduce your premiums and get the best insurance.
Quick Facts
The average cost of minimum-coverage car insurance in Minnesota is $103 per month, and full coverage averages $192 per month.
Safeco offers the cheapest car insurance coverage on average in Minnesota.
Duluth has the lowest average car insurance rates, at $86 per month for liability-only coverage.
How much is car insurance in Minnesota?
The average cost of liability-only car insurance in Minnesota is $103 per month, or $1,237 annually, according to Insurify data. Full coverage includes comprehensive and collision and costs Minnesota drivers an average of $192 per month, or $2,303 annually. Your insurance rate depends on your driving record, where you live, and the type of coverage you choose.
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How Minnesota car insurance rates have changed over the past two years
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To find car insurance rates in Minnesota and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Minnesota rose to $2,600 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Minnesota.
See how Minnesota car insurance prices have changed over the past two years below.
Average Minnesota Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Minnesota car insurance rates by city
Where you live in Minnesota can affect your car insurance premiums. Average car insurance costs vary by city and ZIP code due to factors like crime, theft, vandalism, and frequency of car accidents.[2] Population density can also influence rates, with premiums in larger cities like Minneapolis being steeper than in Henderson.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Duluth | $86 | $162 |
| Rochester | $92 | $163 |
| Minneapolis | $128 | $223 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Minnesota (2025)
Average Minnesota car insurance rates by age and gender
Your car insurance rate also depends on your age and gender. Younger drivers, especially teens, typically pay higher premiums than older drivers due to risky driving behaviors and limited experience behind the wheel.[3] But that trend reverses once you reach age 70 and age-related impairments cause insurance rates to rise.[4]
As shown in the chart below, car insurance rates decrease steadily with age when comparing a 16-year-old driver with a 50-year-old driver. In general, females have fewer risk factors than male drivers and typically pay less.[5] However, based on Insurify data, that’s not the case in Minnesota, as female drivers pay slightly more.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $231 | $435 |
| 18 | $201 | $378 |
| 20 | $134 | $254 |
| 25 | $121 | $228 |
| 30 | $108 | $203 |
| 40 | $97 | $183 |
| 50 | $86 | $163 |
| 60 | $74 | $138 |
| 70+ | $76 | $143 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $238 | $448 |
| 18 | $207 | $390 |
| 20 | $138 | $262 |
| 25 | $125 | $235 |
| 30 | $111 | $209 |
| 40 | $100 | $189 |
| 50 | $89 | $168 |
| 60 | $76 | $142 |
| 70+ | $79 | $285 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in Minnesota
The type of car you drive also affects your insurance costs in Minnesota. The chart below shows average costs to insure Minnesota’s five most popular vehicles, according to data from Edmunds. These vehicles may be in demand in Minnesota based on their unique safety features and ability to handle diverse terrain.
Vehicle | Average Monthly Quote |
|---|---|
| Chevrolet Silverado | $202 |
| Ford F-Series | $190 |
| Honda CR-V | $170 |
| Toyota RAV4 | $186 |
| GMC Sierra | $204 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Minnesota
Your driving record plays the biggest role in your insurance premiums. Any incident on your record could increase the likelihood of another one, so insurance companies raise rates to offset the risk.
If you have an accident on your record, you’ll pay an average of $153 per month for liability insurance. A speeding ticket on your record affects your insurance rates in a similar way — you’ll pay an average of $151 per month for liability coverage. Drivers with a DUI conviction pay the highest rates, averaging $173 monthly for liability-only coverage.
Below, you can see rates for a sample driver profile based on the type of incident and the percentage increase compared to drivers with a clean record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $223 | 49% |
| With speeding ticket | $219 | 46% |
| With DUI | $253 | 69% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance companies may use your credit history to create a credit-based insurance score. While illegal in a handful of states, Minnesota insurers can consider your credit history as part of their underwriting process.[6] Drivers with low credit scores often pay higher car insurance rates in Minnesota, as insurers perceive them as a higher risk. On the other hand, drivers with excellent credit may qualify for the cheapest car insurance rates.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $102 $193 Good $99 $186 Fair $98 $186 Poor $131 $247 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Minnesota
As car insurance rates continue to rise nationwide, finding cheap coverage is becoming increasingly challenging, including in Minnesota. You can reduce your insurance costs by following these strategies:
Bundle insurance policies
If you have multiple insurance policies, bundling them with the same insurance company could score you lower premiums. These might include home and auto or renters and auto insurance bundles.
Raise your deductible
Choosing a higher deductible typically leads to lower car insurance premiums. Your deductible is the amount you pay out of pocket if you file a claim, but you can lower your auto insurance costs if you can afford to pay a higher amount out of pocket.
Check for discounts
Every insurance company offers different types of discounts. Some offer a discount if you enroll in paperless billing or remain claims-free. Paying your insurance premium in full may also unlock additional savings.
Boost your credit
Improving your credit history may help lower your insurance costs. You can do this by paying your bills on time and reducing the amount of credit you use.
Maintain a clean driving record
Based on the Insurify data above, maintaining a spotless driving record can help you qualify for the most competitive car insurance rates.
Compare multiple insurance quotes
You don’t have to stick with the same insurance company. It’s a good idea to compare car insurance quotes from different companies on a regular basis. This can give you a better idea of the rates you’re eligible for and which company offers the cheapest insurance.
Minnesota average car insurance cost FAQs
If you have more questions about insurance costs in Minnesota and the different insurance requirements, the following information may help.
The average annual cost of liability coverage in Minnesota is $1,237. Full-coverage car insurance averages $2,303 annually.
The companies with the cheapest car insurance in Minnesota include Safeco, National General, and Progressive. But your driving record, ZIP code, credit history, and other factors all affect your car insurance rates.
The average monthly rate for state-minimum liability insurance in Minnesota is $103. Full-coverage insurance, which offers drivers more protection, averages $192 per month.
The best auto insurance companies in Minnesota include Safeco, Progressive, National General, Direct Auto, Bristol West, Auto-Owners, and Liberty Mutual. Research several insurers to find the best one for your needs.
Minnesota drivers must have several types of coverage per state law.[7] State minimums include the following coverages:
$30,000 per person and $60,000 per accident in bodily injury liability
$10,000 in property damage liability
$40,000 per person, per accident in personal injury protection (PIP), which helps pay medical expenses
$25,000 per person and $50,000 per accident in both uninsured and underinsured motorist coverage
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Fox9 News. "Minnesota sees nation's sharpest car insurance hikes: Why, and how to save."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Insurance information Institute. "Background on: Older drivers."
- National Association of Insurance Commissioners. "REGULATORY RESOURCES FOR CONSUMERS ON PERSONAL LINES PRICING AND UNDERWRITING."
- The Office of Minnesota Attorney General Keith Ellison. "Credit Scores."
- Minnesota Commerce Department. "Auto Insurance Guide."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.