Here are essential tips to help you shop for car insurance with confidence and make smart choices.
Car Insurance Calculator Minnesota
Updated: May 12, 2025
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Get Minnesota Car Insurance Estimates
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Minnesota will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Minnesota can range anywhere from $581 to $1,528 per year depending on a variety of factors.
To get the best deal on Minnesota car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Minnesota Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage needs before shopping to avoid unnecessary high coverage. Consider your location, driving habits, vehicle and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Research average car insurance costs in Minnesota based on your chosen coverage level and driver profile. Look for discounts you qualify for to maximize savings when comparing quotes.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, gather provider estimates to identify potential savings. This helps you find the cheapest car insurance in Minnesota for your needs. Start with our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can lead to significant savings in Minnesota. Utilize comparison sites, independent brokers, insurers' websites, and direct agencies for the best rates as prices vary.
Take Advantage of Minnesota-Specific Programs
If you're a high-risk driver, Minnesota provides driver education courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for low-mileage drivers. Telematics insurance tracks driving habits, offering discounts up to 40%. Automakers' insurance programs may also offer savings and added benefits.
What Affects Your Minnesota Car Insurance Estimates?
Your car insurance premium in Minnesota is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. To learn more about how each affects rates for Minnesota drivers, explore the links below:
How Much Does Provider Chosen Affect Minnesota Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in the North Star State. Depending on the provider, your rates can drop 32% or increase by as much as 52% compared to the average for Minnesota drivers.
| Lowest | American Family | $73 | $882 |
| Highest | GEICO | $164 | $1,965 |
How Much Does Age Affect Minnesota Car Insurance Estimates?
Compared to other factors, age is the second most influential factor in determining your car insurance rates in Minnesota. Rates can increase as much as 91% and decrease by up to 37% depending on what age you are. Car insurance premiums are highest when you are 16, decrease until you are 65, and then slightly increase after that point.
| Lowest | 65 | $99 | $1,188 |
| Highest | 16 | $350 | $4,198 |
How Much Does Credit Affect Minnesota Car Insurance Estimates?
Credit score level influences car insurance rates in Minnesota the third most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $85 monthly to $234 per month on average for full coverage policies.
| Lowest | Excellent | $85 | $1,019 |
| Highest | Poor | $234 | $2,808 |
How Much Does Coverage Affect Minnesota Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Minnesota, causing rates to vary anywhere from $581 per year for minimum coverage to $1,528 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $48 | $581 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $127 | $1,528 |
How Much Does Driving Record Affect Minnesota Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Minnesota with rates changing up to 34%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $108 | $1,295 |
| Highest | DUI - BAC >= .08 | $196 | $2,356 |
Minnesota Car Insurance Calculator: Bottom Line
Before you pick car insurance, look at costs, coverage choices and insurers. Then, use our calculator for price ideas. Next, grab lots of quotes. Compare them to our numbers, dollar for dollar, to find a great plan for you.
Minnesota Car Insurance Estimate: FAQ
Below you will find answers to common questions about Minnesota car insurance costs and estimates.
What is used to determine Minnesota car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Minnesota car insurance on average?
Minnesota car insurance averages between $40 per month to up to $200 monthly on average, depending on your unique profile and coverage chosen.
How do I get the best car insurance in Minnesota?
To secure the best car insurance in Minnesota, evaluate your coverage needs and compare quotes from different providers to find a fitting and affordable option.
Our Minnesota Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
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.