Minnesota Car Insurance Calculators: Cost & Coverage

• Data source: Rates come from Quadrant Information Services, a licensed data provider that aggregates rate filings from all carriers writing personal auto insurance in Minnesota. The figures in this article reflect January 2025 filings.
• ZIP tracking: All rates in the estimator above reflect your specific ZIP code, not a statewide average. Carriers price at the ZIP level because claims frequency and vehicle theft differ across postal areas.
• Author: Mark Fitzpatrick is a licensed property and casualty insurance producer who has analyzed car insurance markets for nearly a decade, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates.
• Independence: MoneyGeek doesn't accept payment to feature specific insurance companies in our rate data or recommendations. Carrier rankings are determined entirely by rate and data analysis.

The insurance company you choose can change your Minnesota rate by about $72 per month for the exact same coverage and driver profile. Auto Owners has the state’s cheapest average full coverage rate at roughly $71 monthly, while Western National averages closer to $143.

Some of Minnesota’s cheapest insurers are also missing from national comparison sites. Auto Owners typically requires contacting an independent agent, and North Star Mutual sells exclusively through local agents. Drivers who only compare nationally advertised carriers may never see several of the state’s lowest-priced options. Carrier choice matters even more for drivers with credit challenges or recent violations, where pricing gaps become much larger.

Where you live in Minnesota affects insurance pricing, but the differences are concentrated heavily in the Twin Cities area. Saint Paul ZIP code 55106 has the state’s highest average minimum coverage rate at about $90 per month, while Moorhead has some of the lowest rates at around $37 monthly.

Rates also vary sharply within Saint Paul itself. The difference between ZIP codes 55106 and 55111 reaches about $43 per month, which accounts for most of the statewide ZIP code spread. Higher vehicle theft rates and denser traffic patterns in Ramsey County help explain why some Saint Paul neighborhoods cost significantly more to insure than others.

Young drivers in Minnesota pay much higher rates than adults, averaging about $244 per month for full coverage compared to roughly $106 for adult drivers. Rates continue falling throughout the late teens and early 20s, but the largest single-year drop happens at age 19 rather than 25.

Moving from age 18 to 19 lowers rates by about $83 per month, while the drop at 25 is much smaller. Drivers who wait until 25 to compare quotes can miss years of lower premiums. Rates generally reach their lowest point around age 60 before beginning to rise again for senior drivers.

Credit score has one of the largest impacts on Minnesota insurance rates. Drivers with poor credit pay about $205 more per month than drivers with Excellent credit for the same coverage level and driving profile.

Minnesota also has unusual pricing patterns at some insurers. AAA and Allstate both charge more for excellent credit than for good credit, which means improving beyond the good tier doesn't always reduce premiums. Carrier choice becomes especially important for drivers with poor credit, where some insurers charge more than others for the same profile. For current pricing by insurer and credit tier, see MoneyGeek’s cheapest car insurance in Minnesota guide.

An at-fault accident increases Minnesota full coverage rates by about $50 per month on average, while a DWI raises premiums by roughly $118 monthly. A not-at-fault accident has a much smaller effect on pricing.

The size of the increase depends heavily on the insurer. State Farm applies one of the smallest DWI surcharges in Minnesota, while AAA charges more for the same violation. Minnesota doesn't use SR-22 forms after a DWI. Instead, insurers file a certificate of insurance with the state’s Driver and Vehicle Services division, and coverage must remain active for three years after conviction to avoid another suspension.

Dropping from full coverage to minimum coverage saves Minnesota drivers about $62 per month on average. However, that savings is much smaller than the pricing differences tied to credit score or insurer choice.

Minnesota also has one of the country’s lowest property damage minimums at $10,000. A serious accident involving a newer vehicle can exceed that limit quickly, leaving the remaining balance as personal financial responsibility. Drivers considering lower coverage should compare the premium savings against the potential out-of-pocket risk after a major claim.

Whether full coverage makes financial sense depends partly on your vehicle’s value and partly on Minnesota’s weather and theft risks. Severe hailstorms regularly generate large comprehensive insurance losses in the state, and vehicle theft rates in Saint Paul rank among the highest in the region.

Because of those risks, comprehensive insurance claims are more common in Minnesota than many generic coverage formulas assume. Drivers who own their vehicles outright should compare the annual cost of collision insurance and comprehensive coverage against the vehicle’s current market value before removing either coverage.

Bodily injury liability coverage pays for injuries you cause to other people in an at-fault accident. Minnesota’s no-fault system means your PIP coverage handles medical costs first, but once injuries exceed the state’s threshold, injured parties can pursue claims against the at-fault driver directly. Minnesota requires minimum bodily injury limits of $30,000 per person and $60,000 per accident, though serious crashes can exceed those amounts quickly.

Property damage liability coverage pays for damage you cause to another person’s vehicle or property. Minnesota’s required minimum is just $10,000, the lowest mandatory property damage limit in the country. Because newer vehicles commonly exceed that value, drivers carrying only the minimum can face significant out-of-pocket costs after a serious accident.

Uninsured and underinsured motorist coverage helps pay for injuries and damages when the at-fault driver has little or no insurance coverage. Minnesota requires insurers to offer UM coverage at limits matching your bodily injury liability coverage unless you reject it in writing. Underinsured motorist coverage applies when the other driver’s policy limits are too low to fully cover your damages, which is why both coverages are commonly recommended together.

Collision insurance pays for damage to your vehicle after a crash regardless of fault, while comprehensive insurance covers non-collision losses such as hail, theft and fire. Minnesota experiences frequent severe weather losses, including major hail events, while vehicle theft rates in parts of the Twin Cities remain elevated. Both coverages are also required by lenders on financed or leased vehicles.

Gap insurance covers the difference between your vehicle’s actual cash value and the remaining balance on your loan or lease if the car is totaled. It is most useful for drivers who recently financed a vehicle, made a small down payment or chose a longer loan term where depreciation may outpace loan repayment.

Minnesota doesn't use SR-22 filings. After a DWI conviction or certain serious violations, insurers instead file a certificate of insurance with the Minnesota Driver and Vehicle Services division confirming that the required liability coverage is active. The filing requirement lasts three years from the conviction date, and any lapse in coverage can trigger another license suspension. For more details about post-conviction insurance requirements, see MoneyGeek’s guide to SR-22 car insurance.

1. Get Quotes Beyond National Comparison Sites. Auto Owners has one of Minnesota’s cheapest average full coverage rates at about $71 per month, but it generally requires working with an independent agent. North Star Mutual also sells primarily through local agents rather than national quote platforms. Comparing quotes from regional insurers alongside national brands gives drivers a better view of the Minnesota market.
2. Re-Shop at Key Birthdays. Minnesota’s largest age-related rate drop happens at 19, not 25. Drivers moving from 18 to 19 can see premiums fall by nearly $1,000 annually, while additional savings often continue into the early 20s. Re-shopping before birthdays such as 19, 21 and 25 can help drivers capture lower rates as risk profiles change.
3. Re-Quote After Credit Improvements. Drivers who recently improved their credit should compare quotes again instead of waiting for rates to adjust automatically. Some Minnesota insurers price Good credit more favorably than Excellent credit, which means staying with the same carrier after a score improvement doesn't always produce the lowest rate.
4. Compare Rates Again After a DWI. The pricing varies significantly between Minnesota insurers. Some companies apply relatively small increases after a conviction, while others raise premiums much more aggressively for the same driver profile. Drivers with a recent DWI should compare quotes across multiple insurers before renewing because the difference can amount to thousands of dollars annually.