Average Car Insurance Cost in Minnesota (2023)

Drivers in Minnesota pay $134 per month on average for car insurance.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated October 1, 2023

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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.

Quick Facts
  • Teen drivers in Minnesota pay $244 for car insurance, on average.

  • Insurers in Minnesota can consider your credit information when determining your car insurance premium.[2]

  • Minnesota is a no-fault state, which means each driver must file a claim after an accident to recover certain losses, regardless of fault.[3]

Find Cheap Car Insurance in Minnesota

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

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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.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Safeco57110
Liberty Mutual68129
State Auto82180
Midvale Home & Auto85130
Progressive92142
Bristol West121239
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Duluth$139$75
Minneapolis$211$109
Rochester$157$80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Rates by Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

AgeMaleFemale
16$259$245
35$129$130
50$112$103
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$85$170
With accident$119$238
With speeding ticket$111$221
With DUI$128$257
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance After an Accident

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

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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.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married$82$163
Single$86$172
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Poor$132$264
Average$85$170
Good$77$155
Excellent$65$131
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Minnesota car insurance FAQs

Before you renew or purchase auto coverage, you should shop around and compare quotes from multiple insurers to find the cheapest coverage for your insurance needs. Here’s what you should know about Minnesota car insurance costs.

  • What is the average cost of car insurance in Minnesota?

    The overall average cost of car insurance in Minnesota is $134 per month. Drivers pay $179 per month for a full-coverage policy and $89 for liability coverage, on average. Your premium will depend on the amount of coverage you select, as well as your driving record, age, earned discounts, credit history, and more.

  • What is the cheapest car insurance in Minnesota?

    Safeco offers the cheapest monthly car insurance quotes in Minnesota, at $57 for liability coverage and $54 for full coverage. Liberty Mutual also provides affordable insurance, charging around $67 per month for liability and $62 per month for full coverage.

  • Do car insurance rates vary by county in Minnesota?

    Car insurance rates can vary by city, county, and ZIP code in Minnesota. Drivers in Minneapolis pay the most on average for car insurance, at around $151 per month for full coverage. Andover residents pay the least on average, at around $103 per month for full coverage. In general, drivers in less-populated areas tend to pay lower rates for car insurance.

  • What are the best auto insurance companies in Minnesota?

    Based on their Insurify Quality (IQ) Scores, which measure customer satisfaction ratings, average monthly premiums, financial strength, and more, Travelers and Progressive are the best car insurance companies in Minnesota. Travelers earned an IQ Score of 4.2 out of 5, and Progressive earned a 3.9.

    Ultimately, the right car insurance policy for you will depend on a variety of factors, including your age, location, driving history, credit score, and more. You should compare car insurance quotes from different companies to find the best option for your situation.

  • What are the car insurance requirements in Minnesota?

    Minnesota drivers need to carry a minimum amount of car insurance to drive legally, including the following coverages and limits:[6]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts: Minnesota." Accessed August 31, 2023
  2. The Office of Minnesota Attorney General Keith Ellison. "Credit Scores." Accessed August 31, 2023
  3. NOLO. "Minnesota No-Fault Car Insurance." Accessed August 31, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed August 31, 2023
  5. Insurance Institute for Highway Safety. "Fatality Facts 2021: Males and Females." Accessed August 31, 2023
  6. Minnesota Department of Commerce. "Auto Insurance: What You Need to Know." Accessed August 31, 2023
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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