With average monthly rates of $322, a part-time working teenager might be hard-pressed to gather enough cash to pay for car insurance. Young adults in their 20s see a reduction of more than $125 as they add to their driving experience.

Minnesotans in their 30s, 40s, and 50s find a price that slides under the state average. It's not until you pass retirement that you see stellar savings at 70. Even those in their 80s are pretty happy when they find out how much all the young people pay.

Minnesota truly embraces gender equality! In many states, men pay slightly more on average for car insurance than women do. But men and women pay precisely the same in the North Star State.

Minnesota's car insurance prices are already pretty low, but an exchange of vows saves you $5 more per month.

Most financial experts and economists agree that marriage is a great way to save. They point out that married couples have a higher average net worth and greater stability. Five dollars a month won't make anyone jump the broom, but every bit helps when you’re trying to save a buck.

Minnesota is a no-fault state, which means drivers file with their own insurance company after an accident. You must have $30,000 in bodily injury liability per person and $60,000 per accident, $10,000 in property damage liability per accident, $25,000 in uninsured/underinsured motorist bodily per person, $50,000 in underinsured motorist bodily per accident, and $40,000 in personal injury protection (PIP) per person per accident. To cover your vehicle, pick up comprehensive and collision coverage.

Does good credit make you a better driver? Many Minnesota residents would argue no, but the insurance companies say otherwise. Like most in the U.S., the state allows insurance companies to rate people based on their credit.

After looking at the table, you may wonder why people with average credit pay more than those with poor credit. Minnesotans with better credit finance more expensive cars and buy higher levels of coverage. That said, getting your credit score above 800, which is excellent, will save you $51 per month over those with average credit.

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Minnesota will pay $29 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should also expect their monthly rates to increase. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.