Average Car Insurance Cost in Minnesota (2023)

Minnesota drivers pay some of the most affordable average car insurance rates in the country. Drivers who opt for full-coverage insurance in the North Star State pay around $179 per month on average, which is nearly identical to the national average rate. Liability insurance costs less than the national average, at $89 per month.

Because various factors affect the average cost of car insurance in each state, drivers pay different premiums depending on where they live. Minnesota has a relatively low population density, at 71.7 people per square mile.^[1] Generally, coverage is the most expensive in states with high minimum-coverage amounts, large populations, and higher crime rates.

Minnesotans can maximize their car insurance savings by comparing quotes from multiple companies.

Find Cheap Car Insurance in Minnesota

Rates start as low as $57 per month for liability coverage

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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

Car insurance is relatively affordable for Minnesota drivers compared to the national average. However, some car insurance companies offer cheaper policies than others. Factors such as your driving record, age, vehicle type, and chosen coverage will also influence the cost of your coverage.

The overall average cost of car insurance in Minnesota is $134 per month. Here are the average quotes for liability-only and full-coverage policies from some companies offering inexpensive car insurance in Minnesota.

Average Minnesota car insurance rates by city

Car insurance prices can fluctuate depending on where you live in Minnesota. In general, if you live in a more populous area, you’ll pay higher rates for car insurance. For instance, drivers in Saint Paul, the second-largest city in Minnesota, pay around $147 per month for a full-coverage policy, while people in the smaller city of Andover pay $103 per month on average.

Drivers who live in a high-crime area relative to the rest of the state may also pay higher insurance rates.

Here’s a look at average car insurance quotes in Minnesota by city.

Average Minnesota car insurance rates by age

Your age will also affect your car insurance rates. Teens and young drivers typically pay the highest rates for coverage, while middle-aged and senior drivers typically pay the lowest rates. Car insurance companies often view younger drivers as a high risk to insure because they don’t have much experience on the road.^[4]

Here’s how car insurance costs compare in Minnesota by driver age.

How gender affects car insurance rates in Minnesota

Men in Minnesota will likely pay higher car insurance rates than women. Insurance companies often view men — particularly young men — as higher-risk drivers to insure than women due to an increased likelihood of demonstrating risky driving behavior. Each year, more men than women die in car accidents, according to the Insurance Institute for Highway Safety.^[5]

Here’s how age and gender factor into the average cost of auto insurance in Minnesota.

How your driving record affects car insurance rates in Minnesota

Besides age and gender, auto insurance companies also look at your driving record when calculating car insurance premiums. If you have past incidents on your record, auto insurers may view you as a high-risk driver.

Good drivers with clean driving records can expect to pay the cheapest rates for auto insurance coverage. On average, drivers with a DUI pay the most for car insurance in Minnesota, followed by drivers with a past car accident or speeding ticket.

Here are the average liability and full-coverage car insurance costs in Minnesota based on driving history.

Find Car Insurance After an Accident

Liability coverage starts at $81 for drivers with an at-fault accident

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Average Minnesota car insurance rates by marital status

It may seem odd, but your marital status can have an effect on your auto insurance premiums. The difference in average costs for married and single people isn’t as dramatic as with other factors, like your age or driving history. Auto insurance companies tend to view married couples as a lower risk to insure than single drivers.

Here are the average quotes for car insurance by marital status in Minnesota.

Average Minnesota car insurance rates by credit tier

Your credit history can also factor into the cost of your car insurance coverage. Unlike some states that prohibit credit-based insurance scoring, Minnesota permits the use of credit scores as a factor when determining auto insurance rates. Drivers with poor credit may pay significantly more for a car insurance policy than people with excellent or good credit.

Here’s a closer look at what to expect in terms of costs.

Minnesota car insurance FAQs