Average Car Insurance Cost in Minnesota (2025)

When it comes to auto insurance, residents in Minnesota pay a little less. The average monthly cost of car insurance in Minnesota is $104 per month for liability-only coverage and $196 per month for full coverage. This is lower than the nationwide average of $105 for liability-only coverage and on par with the nationwide full-coverage average of $199.

Minnesota’s car accident death rate per capita and overall accident rate come in within the middle of the pack when compared to other U.S. states.^[1] In the sections that follow, you’ll learn more about what drives insurance costs in Minnesota and how you can lower your insurance expenses.

What’s the average cost of car insurance in Minnesota?

The average cost of car insurance in Minnesota varies by insurer. Average monthly premiums for liability-only coverage vary by more than $100, and average monthly premiums for full-coverage vary by almost $200 depending on the insurance company. Comparing quotes from different companies allows you to find the best rates for your unique needs.

Check out the table below to see the average rates some top Minnesota auto insurers charge for both liability-only and full-coverage insurance.

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How Minnesota car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Minnesota rose to $2,600 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Minnesota.

See how Minnesota car insurance prices have changed over the past two years below.

Average Minnesota car insurance rates by city

Insurers take your location into account when setting rates. Busier cities such as Minneapolis tend to see higher premiums than smaller areas where there’s less traffic and crime, such as Duluth.

The table below shows how much drivers in different areas of Minnesota can expect to pay for auto insurance coverage. Remember, your rate could vary depending on a variety of different factors, including the discounts you qualify for, the insurance companies you get car insurance quotes from, and your driving record. 

Average Minnesota car insurance rates by age

Your car insurance rates will change as you age. Young drivers, who are inexperienced on the roads and have a propensity toward risk, also have the highest average crash rates.^[2] As a result, teen drivers typically pay higher rates for auto insurance. Meanwhile, middle-aged drivers tend to be safer on the roads and qualify for lower rates, but their premiums will begin to rise around age 70.^[3]

The table below shows what you can expect to pay, on average, for auto insurance based on your age.

How gender affects car insurance rates in Minnesota

Women typically pay less than men for auto insurance coverage — especially young women versus young men. This is because men tend to drive more and are statistically more likely to become involved in a collision or engage in high-risk driving behaviors.^[4]

The table below shows how much Minnesota drivers can expect to pay for auto insurance in Minnesota based on their gender.

How your driving record affects car insurance rates in Minnesota

Insurers consider your past driving behavior in order to estimate the likelihood of future accidents. As a result, a driver with an incident such as a speeding ticket or car accident in their past will typically be charged higher premiums than a driver with a clean record.

If you’re considered a high-risk driver, you’ll want to shop around carefully to get an affordable rate, as some insurers impose larger penalties for driving incidents.

The table below shows how much Minnesota drivers with different records can expect to pay for coverage.

Average Minnesota car insurance rates by marital status

Marital status is another factor that can affect auto insurance rates. Marital status plays a role in setting premium pricing because claims data shows that married drivers are less likely to become involved in auto accidents than their single peers.

Check out average car insurance rates in the table below to see how much married versus unmarried Minnesota drivers might pay for auto insurance.

Average Minnesota car insurance rates by credit tier

In Minnesota, insurance companies are permitted to consider your credit history to create a credit-based insurance score. This score is then used as one factor in setting your premiums.

If you have a higher credit score, you can expect to pay lower auto insurance premiums, while someone with a lower credit score can expect to pay higher insurance rates.^[5]

The table below shows average monthly Minnesota auto insurance premiums for people with bad credit versus average credit, good credit, or excellent credit scores.

Minnesota car insurance FAQs