Minnesota's average yearly full car insurance coverage cost is $1,285, while minimum coverage averages $579. These rates are $11 and $16 less, respectively, than national averages, making auto insurance in the state slightly more affordable.
Average Cost of Car Insurance in Minnesota
Updated: April 4, 2025
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Key Takeaways
Minnesota drivers pay about 1% less for full coverage car insurance than the national average.
Minnesotans shell out around 3% less for minimum coverage than the national average.
The average annual cost of car insurance in Minnesota is $579 for minimum coverage and $1,285 for full coverage, making it relatively affordable.
How Much Is Car Insurance in Minnesota?
| Full Coverage | $1,285 | $1,296 | -1% |
| State Minimum Liability Only | $579 | $595 | -3% |
Minnesota Car Insurance Rates by Coverage Level
Your coverage level affects your car insurance rate. Raising your liability limits and adding full coverage increase costs, while choosing a higher deductible lowers your premium. Below are average minimum coverage and full coverage rates in
Minnesota based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,513 | $500 |
| 100/300/100 | Full Coverage | $1,437 | $0 |
| State Minimum | Full Coverage | $1,378 | $500 |
| 300/500/300 | Full Coverage | $1,361 | $1,000 |
| 300/500/300 | Full Coverage | $1,341 | $1,500 |
| 100/300/100 | Full Coverage | $1,285 | $1,000 |
| 100/300/100 | Full Coverage | $1,265 | $1,500 |
| State Minimum | Full Coverage | $1,226 | $1,000 |
| State Minimum | Full Coverage | $1,206 | $1,500 |
| 300/500/300 | Liability Only | $783 | $0 |
| 100/300/100 | Liability Only | $664 | $0 |
| State Minimum | Liability Only | $579 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Minnesota Car Insurance Cost by City
Car insurance rates in Minnesota vary by city, influenced by crime rates, traffic conditions, weather and repair costs. Minneapolis' average full coverage rate is $1,258, slightly below the state average. St. Paul follows closely with an average of $1,287. Rochester has a more affordable rate of $941.
| Minneapolis | $1,258 | -34% | $661 | -40% |
| Rochester | $941 | -51% | $444 | -60% |
| St. Paul | $1,287 | -33% | $696 | -36% |
Average Minnesota Car Insurance Cost by Age
In Minnesota, age affects car insurance costs. Young drivers often pay more because they’re considered riskier. At 25, you might pay about 24% more for minimum coverage and 35% more for full coverage than a 65-year-old. Compared to someone 40, it's about 19% more for state minimum and 24% more for full coverage.
| 25 | $1,588 | $690 |
| 40 | $1,285 | $579 |
| 65 | $1,177 | $555 |
While age affects car insurance costs in most U.S. states, California, Massachusetts and Hawaii don't allow age as a rating factor.
Car Insurance Costs in Minnesota for Young Drivers by Gender
Young drivers in Minnesota face higher car insurance costs due to increased accident risks. On average, drivers aged 18 to 25 pay $1,417 annually when added to a family policy, 32% less than an individual policy, which costs $1,868.
Gender also influences car insurance rates for Minnesota's young drivers. Females aged 18 to 25 pay $1,741 annually, 28% less than the $1,996 males pay. Below are the average premiums for individual and family policies for young drivers in the state, broken down by gender.
Car Insurance Costs in Minnesota for Young Females
An 18-year-old female in Minnesota added to a family car insurance policy costs an average of $1,545. If she chooses an individual policy, her rate jumps to $2,617, a 41% annual increase.
| 18 | $2,617 | $1,545 | -41% |
| 19 | $2,236 | $1,727 | -23% |
| 20 | $1,997 | $1,553 | -22% |
| 21 | $1,635 | $1,283 | -22% |
| 22 | $1,543 | $1,322 | -14% |
| 23 | $1,383 | $1,210 | -13% |
| 24 | $1,320 | $1,156 | -12% |
| 25 | $1,197 | $1,064 | -11% |
Car Insurance Costs in Minnesota for Young Males
An 18-year-old male in Minnesota pays around $3,205 for full coverage on his own policy. Joining a family policy drops the cost to about $1,768, saving 45% each year.
| 18 | $3,205 | $1,768 | -45% |
| 19 | $2,681 | $1,907 | -29% |
| 20 | $2,278 | $1,639 | -28% |
| 21 | $1,872 | $1,351 | -28% |
| 22 | $1,725 | $1,483 | -14% |
| 23 | $1,523 | $1,323 | -13% |
| 24 | $1,437 | $1,248 | -13% |
| 25 | $1,246 | $1,087 | -13% |
Average Minnesota Car Insurance Cost by Driving Record
In Minnesota, traffic offenses affect car insurance premiums, with increases of up to 23% for DUIs and decreases of around 18% for speeding tickets. Below, we detail how average rates for various driving offenses compare to those for drivers with a clean record.
| At-Fault Accident | $1,775 | -7% | $824 | -25% |
| DUI | $2,345 | 23% | $1,159 | 6% |
| Ticket | $1,560 | -18% | $704 | -36% |
Read More: High-Risk Car Insurance in Minnesota
Average Minnesota Car Insurance Cost by Credit Score
Credit-based insurance scores impact car insurance costs in Minnesota. On average, drivers with excellent credit pay about $1,022 yearly for full coverage, while those with poor credit see rates around $2,822.
| Excellent | $1,022 | -46% | $363 | -67% |
| Good | $1,246 | -35% | $446 | -59% |
| Fair | $1,541 | -19% | $574 | -48% |
| Below Fair | $2,052 | 8% | $807 | -26% |
| Poor | $2,822 | 48% | $1,116 | 2% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial reliability and may result in lower insurance rates for Minnesota drivers. However, states like Hawaii, Massachusetts, Maryland, California and Michigan prohibit using credit-based insurance scores. Credit scores are considered only under specific conditions in states such as North Carolina, Oregon, Washington, Utah and Nevada.
Average Minnesota Car Insurance Cost by Company
Car insurance premiums vary widely by company. American Family provides the most affordable auto insurance in Minnesota at $882 annually for full coverage. GEICO's premium is the priciest at $1,965, which is 62% above the national average.
| American Family | $882 | $530 |
| AAA | $933 | $437 |
| West Bend Mutual | $946 | $391 |
| Iowa Farm Bureau | $1,039 | $506 |
| Travelers | $1,052 | $550 |
| Westfield | $1,054 | $284 |
| Auto-Owners Insurance Co | $1,058 | $502 |
| State Farm | $1,274 | $504 |
| Allstate | $1,377 | $697 |
| Farmers Union Insurance | $1,473 | $516 |
| Nationwide | $1,523 | $870 |
| Western National | $1,672 | $559 |
| Country Financial | $1,740 | $864 |
| GEICO | $1,965 | $897 |
Average Minnesota Car Insurance Cost by Vehicle Age
In Minnesota, newer cars often cost more to insure because they're worth more and can be pricier to fix or replace if stolen. Full coverage for a new model costs about $1,283 yearly, while a 10-year-old model costs $1,008. For minimum coverage, newer models are slightly less at $438 compared to $500 for older cars.
| 10-Year-Old Vehicle | $1,008 | $500 |
| New Model Vehicle | $1,283 | $438 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your car's worth as assessed by your insurer just before it was damaged. For comprehensive or collision claims, the ACV helps determine the insurer's maximum payout for repairs or replacement minus any deductible. This ensures the claim aligns with the vehicle's fair market value.
Read More: Used Car Insurance
Minnesota Car Insurance Rates Explained
Minnesota's car insurance rates vary from the national average, influenced by factors like location and credit-based insurance scores. We'll highlight how these rates compare, indicating whether they're more affordable or expensive, and provide insights into the key elements that affect the prices of minimum and full coverage plans.
Is Car Insurance Expensive in Minnesota?
Car insurance in Minnesota is affordable. The average monthly full coverage cost is $107, nearly 1% cheaper than the national average.
Read More: Why Car Insurance Is So Expensive
Car Insurance Costs in Minnesota vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Minnesota Average Cost
Full Coverage Car Insurance
$107MN Car Insurance Is Affodable:$1 saved
This is 1% less expensive.
Why Are Car Insurance Rates Expensive in Minnesota?
Minnesota's harsh winters and frequent storms can lead to more claims, driving up premiums. Urban areas and legal requirements also contribute to higher costs for residents.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Minnesota
While average rates reflect how laws and the economy affect car insurance in Minnesota, your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
Safe driving habits can lead to fewer accidents and traffic violations, which often result in lower insurance premiums.
Age and Gender
Younger male drivers typically face higher rates. Prices may decrease as drivers get older and gain more experience.
Credit History
Drivers with good credit are considered less risky to insurers. Work on improving your credit score for potentially lower rates.
Vehicle Type
Insurance costs vary based on vehicle safety, repair costs and theft risk. Opt for a model with lower insurance rates.
Location
Living in areas with lower crime rates and less traffic can lead to more affordable car insurance premiums.
Coverage Level
Higher deductibles can lower your premium, but ensure you can afford the out-of-pocket costs if an accident occurs.
Marital Status
Married drivers may receive lower rates due to perceived stability. Check with your insurer if marital discounts are available.
State Law
Minnesota requires certain coverages. Knowing the law can help you make informed decisions about additional protections.
Read More: Minnesota Car Insurance Calculator
Minimum Car Insurance in Minnesota
Minnesota's average cost of minimum car insurance is $579, below the national average of $595. Here's a breakdown of the state's minimum coverage requirements.
Minnesota Car Insurance Requirements
Minnesota's minimum car insurance requirements include $30,000 for bodily injury per person, $60,000 per accident and $10,000 for property damage. It also requires $25,000 for uninsured/underinsured motorist coverage per person and $50,000 per accident, plus $40,000 for personal injury protection (PIP) per person.
Liability Limits | What It Covers |
|---|---|
$30,000 bodily injury liability per person | Medical expenses for injuries you cause to others in an accident |
$60,000 bodily injury liability per accident | Multiple injured parties |
$10,000 property damage liability per accident | Damage to another person's property |
$25,000 uninsured motorist bodily injury per person | Medical expenses if an uninsured driver injures you and your passengers |
$50,000 uninsured motorist bodily injury per accident | Multiple injuries caused by an uninsured driver per accident |
$40,000 PIP per person | Medical expenses and lost wages |
How to Lower Car Insurance Costs in Minnesota
To save on car insurance, compare rates, opt for a higher deductible and claim all applicable discounts.
- 1
Compare Multiple Quotes
Research multiple insurance providers to find the cheapest car insurance, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A higher credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Evaluate your coverage needs to ensure you're paying only for what's necessary. Consider higher deductibles for a reduced premium or usage-based policies if you drive infrequently.
- 4
Ask About Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies.
- 5
Consider the Car You Drive
Driving a car that’s less expensive to insure, such as one with good safety ratings, can reduce auto insurance costs.
Auto Insurance Rates in Minnesota: Bottom Line
Minnesota's average yearly cost of full coverage car insurance is $1,285, slightly below the national average. Rates vary depending on factors like driving history and car type. Overall, Minnesota offers relatively affordable car insurance compared to other states.
Minnesota Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Minnesota and how to find affordable rates.
What are the minimum car insurance requirements in Minnesota?
The minimum car insurance requirements in Minnesota include $30,000 for bodily injury per person, $60,000 per accident and $10,000 for property damage. Drivers must also carry uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident, plus personal injury protection of $40,000.
What is the average cost of full coverage and minimum coverage auto insurance in Minnesota?
Minnesota's average annual rate of full coverage car insurance is $1,285, and minimum coverage averages around $579.
What is the average cost of car insurance for a 25-year-old in Minnesota?
In Minnesota, 25-year-olds pay around $1,588 for full coverage car insurance and about $690 for minimum coverage annually, which are slightly lower than the state averages.
What are the cheapest car insurance companies in Minnesota?
Westfield is the most affordable car insurance company in Minnesota, offering minimum coverage at $284 annually. American Family is the cheapest option for full coverage, costing about $882.
Minnesota Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Minnesota:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following liability limits as mandated by Minnesota:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $40,000 personal injury protection (PIP) per person
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.