Average Cost of Car Insurance in Minnesota for 2026

Minnesota drivers pay $45 per month for minimum coverage and $109 per month for full coverage car insurance. Actual rates within Minnesota depend on where you live, your age, your driving record, and the company you choose.

Coverage level is a factor insurers use when calculating car insurance costs. Drivers who add comprehensive and collision coverage to Minnesota’s minimum liability pay an average of $62 per month at a $1,000 deductible, $18 more than the cost of a minimum liability-only coverage. The additional payment widens coverage to include theft, hail damage and collision with another vehicle or object, all of which are relevant exposures in a state with severe winter weather and documented hail risk.

The deductible you choose will have an impact on your rates. Minimum liability with comprehensive/collision coverage and a $250 deductible costs $126 per month. The standard 100/300/100 full coverage benchmark, which has 10 times higher liability limits, averages $106 per month. A driver paying $126 per month for minimum liability with a low deductible spends $20 more per month for weaker liability protection than what full coverage provides.

Minneapolis full coverage costs $141 per month, $43 more than Duluth's $98 per month. Minneapolis has higher rates because of dense urban traffic, elevated theft rates and the accident frequency that accompanies a city of over 400,000 residents. Duluth's lower rate reflects reduced population density and fewer collision claims per driver.

Among the state's 10 most populous cities, St. Paul is the second most expensive at $139 per month, and Rochester sits just above Duluth at $101 per month.

Age and gender affect car insurance rates the most in the teen years. A 16-year-old male driver added to a family plan in Minnesota pays $285 per month ($3,416 per year). A 16-year-old female pays $259 per month ($3,114 per year), a $26 monthly ($302 annual) difference. Both figures drop steadily through the early 20s, but the pace of decline differs by gender.

Other factors affect premiums. Use our free calculator to estimate your Minnesota car insurance cost based on your age and driver profile.

A not-at-fault accident adds $4 per month to full coverage in Minnesota, while an at-fault accident increases average rates by $50 per month. A DUI adds $118 per month, a $1,418 annual increase that makes a high-risk car insurance search worth starting immediately after conviction.

Minnesota allows insurers to use credit-based insurance scores when setting rates. Drivers with bad credit pay an average of $309 per month for full coverage and $119 per month for minimum coverage. Monthly averages for people with good credit are $103 for full coverage and $43 for minimum coverage.

Low-income Minnesota drivers with poor credit scores can lower premiums if they improve their credit rating over time.

Your vehicle choice directly affects your car insurance rates in Minnesota. Compare rates by vehicle before purchase if you want to limit insurance costs.

Full coverage on a Tesla Model Y costs $219 per month in Minnesota, $89 more than a Ford F-150 at $130 per month. The Toyota Prius, a hybrid, averages $155 per month. This is $64 less than the Model Y, but $25 more than the F-150, sitting between gas and full-EV cost exposure.

Multiple factors affect car insurance rates in Minnesota, including the insurance company, vehicle, where you live, your driving record, your age, the coverage level and your credit score.

The best car insurance in Minnesota is from a company with competitive rates and will pay your claim. Your driver profile will help determine which company that is. The same driver can get quotes ranging from $82 to $101 per month for identical full coverage in Minnesota.

Get quotes from at least three companies before you choose. You can start with the top providers with the cheapest car insurance in Minnesota.

Minnesota's no-fault insurance system and mandatory PIP coverage affect every driver's baseline rate. These are the questions drivers across the state ask most often.

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.