Average Cost of Car Insurance in Minnesota for 2026

Your premium depends on your age and where you live, plus choices within your control, such as your coverage limits and which insurer you pick. The state generally offers moderate car insurance rates compared to the national average.

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• State Rates vs. National Average
• Is Minnesota Car Insurance Expensive?
• Cheapest Companies in Minnesota
• Cost by City
• Cost by Age and Gender
• Cost by Driving Record
• Cost by Credit Score
• Cost by Coverage Level
• Cost by Vehicle

Minnesota drivers pay $109 per month for full coverage car insurance and $45 per month for minimum coverage. Both coverage types cost less than the national average, making Minnesota an affordable state for car insurance.

Minnesota drivers pay $183 less per year for full coverage and $191 less for minimum coverage compared to national averages. The state ranks 21st for full coverage affordability.

Only 30 states have higher full coverage rates than Minnesota, which ranks 21st out of 50 states and Washington, D.C., for affordability. This places Minnesota in the more affordable half of all states for car insurance costs.

Minnesota's rates are due to harsh winter weather that increases accident risks, no-fault insurance laws that require each driver's insurer to pay regardless of who caused the crash, and mandatory personal injury protection coverage. 

Minneapolis, the state's largest city, creates costs through higher traffic density and urban claim frequencies that push up statewide averages (see rates by city).

Vermont offers the cheapest full coverage at $75 per month, while Florida tops the expensive end at $243 per month. Minnesota ranks above Washington and below Nebraska in the national affordability rankings.

AAA offers Minnesota's most affordable car insurance rates for minimum coverage. Auto Owners ranks second among the cheapest options, with AAA taking third place for budget-conscious drivers.

Comparing multiple insurers is the best strategy for finding your lowest rate. Each company calculates premiums using different formulas, which means identical driver profiles can receive different quotes across insurers.

Read more: Cheapest and Best Car Insurance Companies in Minnesota

Where you live in Minnesota directly affects your car insurance costs. Minneapolis and St. Paul are the most expensive among the state's 10 largest cities, with full coverage averaging $141 and $139 per month. Duluth and Rochester offer the most affordable rates at $98 and $101 per month for full coverage.

Duluth benefits from lower population density and reduced traffic congestion that leads to fewer collision claims. Minneapolis has higher rates due to dense urban traffic, elevated theft rates, and the increased accident frequency that comes with over 400,000 residents. The gap between the most and least expensive of Minnesota's 10 most populous cities reaches $43 per month, or $516 per year.

At 16, male drivers in Minnesota cost $5,693 per year on a family policy compared to $5,190 for female drivers. Both figures are roughly four times the base adult rate, reflecting the higher risk insurers assign to young drivers. Age and gender affect car insurance rates during the teen years. Rates fall steadily through the early 20s and stabilize around age 25.

The table shows average annual premiums when a young driver joins a household policy with two 50-year-old parents. Use the dropdown to toggle between male and female rates across different ages. A 16-year-old male on an individual policy pays $6,494 per year, which means staying on a family policy saves $801 annually. Female drivers at 16 see smaller but still meaningful savings of $345 per year on family policies.

A DUI adds $118 per month to full coverage premiums in Minnesota, representing a 111% increase over a clean driving record. Even a speeding ticket pushes rates up by 25%, making any violation costly for drivers. Your driving history directly determines how much you'll pay for car insurance coverage.

Insurers in Minnesota evaluate your driving violations to determine how much riskier it is to insure you compared to other drivers. This increased risk gets reflected directly in your car insurance rates, with more violations typically leading to higher premiums.

Drivers with bad credit pay nearly three times more for full coverage car insurance in Minnesota than those with good credit. Bad credit drivers pay monthly premiums of $309 compared to $103 for good credit drivers. Minnesota allows insurers to use credit-based insurance scores when calculating rates, creating this cost gap.

Low-income Minnesota drivers with poor credit scores can reduce their car insurance premiums by working to improve their credit rating. Minnesota allows insurers to use credit-based scoring when setting rates, meaning better credit directly results in lower insurance costs for drivers in the state.

Upgrading from minimum liability to high-limit full coverage in Minnesota adds $65 per month to your premium, jumping from $44 to $109. State minimum liability covers the legal requirements, while a 300/500/300 policy with comprehensive and collision provides maximum coverage.

Your vehicle choice directly affects your car insurance rates in Minnesota. A Tesla Model Y costs $219 per month to insure with full coverage, which is 68% more than a Ford F-150 at $130 per month. These two models rank among the best-selling vehicles nationally by sales volume. Your rate will depend on your vehicle and its associated risk factors.

Vehicle type affects insurance costs because electric cars require specialized parts and expensive battery replacements that increase claim severity. A Tesla Model Y costs $219 per month for full coverage compared to $130 for a Ford F-150, creating an $89 monthly difference. Drivers prioritizing affordable insurance can save around $74 per month by choosing a Honda Civic or Toyota Camry over a Model Y.

Minnesota's harsh winters increase car insurance costs through weather-related claims and increased accident risks. These are the questions drivers across the state ask most often about what affects their rates.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state.

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections covering costs by age and driving record use rates for those driver profiles, with all other factors remaining the same.

Minimum coverage represents the state's minimum liability coverage requirements. Full coverage includes a policy with 100/300/100 liability limits plus a $1,000 deductible for both comprehensive and collision coverage.