Car Insurance Calculator in Minnesota

Minnesota requires more coverage than many states, including personal injury protection (PIP) and uninsured motorist insurance alongside standard liability. Answer four questions to get a coverage recommendation for your situation.

The right coverage depends on four factors: your net worth, your car's value, how you purchased it and your risk tolerance.

• Your assets determine how much liability coverage you need. If you cause a serious accident and costs exceed your policy limits, you're personally responsible for the difference. Drivers with substantial assets should carry at least 100/300/100 in liability coverage.
• Your vehicle's value decides whether comprehensive and collision make sense. Cars worth less than $5,000 can cost more to insure than you'd receive in a claim payout. Newer or higher-value vehicles benefit from both coverages to cover repair or replacement costs after an accident or theft.
• How you financed your car affects your coverage options. Lenders and lessors require full coverage, including comprehensive and collision with specific deductible limits, until the loan or lease is paid off.
• Minnesota doesn't require bodily injury liability coverage. This creates a gap: you're still legally responsible for injuries you cause in an accident. Without it, Minnesota drivers risk paying medical bills and lost wages out of pocket, even though the state mandates PIP for their own injuries.

This calculator generates a car insurance rate estimate using your ZIP code, driving profile and coverage preferences. Enter your information to see what Minnesota drivers with similar profiles pay.

Minnesota's no-fault insurance system and personal injury protection (PIP) requirements push premiums above the national average. Your rate depends on six factors: provider, age, location, coverage type, driving history and credit score. Insurers weigh these differently, which explains why quotes for identical coverage can vary by hundreds of dollars.

The factors with the biggest impact on your Minnesota rate:

1. Provider choice makes less difference than you'd expect. The gap between the cheapest and most expensive insurer is just $1 per month for full coverage, making Minnesota one of the most competitively priced markets.
2. Age and driving experience create the largest cost differences. Young drivers pay an average of $244 per month for the same coverage, while seniors pay $133 per month.
3. ZIP code determines your local risk exposure. Minneapolis and St. Paul drivers pay higher rates than those in Duluth or rural areas due to traffic density and higher theft rates.
4. Credit score and driving history affect premiums, especially for high-risk drivers. Drivers with excellent credit pay $96 per month compared to $310 for those with poor credit. Minnesota requires an SR-22 filing for DUI convictions, mandating 30/60/10 liability limits for three years. Drivers with a DUI pay more as a result.

Small differences in car insurance rates add up over time. Comparing quotes from at least three insurers is the single most effective way to lower your rate. More strategies to lower your car insurance rate are listed below.

All costs and profile modifications in this calculator are based on the following driver profile:

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

We sourced rate data from insurer filings via Quadrant Information Services. Full coverage policies reflect 100/300/100 liability limits, comprehensive and collision coverage and a $1,000 deductible.

Minimum coverage reflects Minnesota's state-mandated minimums of $30,000 bodily injury per person, $60,000 bodily injury per accident, $10,000 property damage, $40,000 personal injury protection, $25,000 uninsured motorist bodily injury per person and $50,000 uninsured motorist bodily injury per accident. Rates are updated monthly to reflect the most current available data. To learn more about how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.