Average Car Insurance Cost in Minnesota (2024)
Drivers in Minnesota pay an average of $153 per month for car insurance.
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Written byChristy Rakoczy
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Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Updated November 21, 2024
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Table of contents
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 $201 per month for full coverage. This is lower than the nationwide average of $104 for liability-only coverage and on par with the nationwide full-coverage average of $204.
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.
Quick Facts
Minnesota’s average minimum-coverage car insurance cost is $104, below the nationwide average, while the average full-coverage car insurance cost is comparable with the national average, at $201.
Minnesota drivers spend an average of $2,418 per year for full-coverage car insurance.
Auto insurance costs more in Minneapolis than it does in Rochester or Duluth.
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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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| National General | $68 | $145 |
| Safeco | $71 | $133 |
| Progressive | $88 | $152 |
| Direct Auto | $92 | $179 |
| Liberty Mutual | $129 | $252 |
| Bristol West | $137 | $287 |
| The General | $182 | $377 |
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
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.
City ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Duluth | $126 |
| Minneapolis | $180 |
| Rochester | $136 |
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 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.
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
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.
Gender ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Male | $200 | $104 |
| Female | $202 | $104 |
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
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.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $104 | $201 |
| With accident | $153 | $296 |
| With speeding ticket | $153 | $295 |
| With DUI | $174 | $336 |
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 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Married ▲▼ | Single ▲▼ |
|---|---|---|
| National General | $73 | $68 |
| Safeco | $76 | $71 |
| Progressive | $94 | $88 |
| Direct Auto | $99 | $92 |
| Liberty Mutual | $138 | $129 |
| Bristol West | $147 | $137 |
| The General | $195 | $181 |
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.
Cheapest recent rates in Minnesota
Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $92/mo for full coverage in Minnesota.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Excellent | $66 | $133 |
| Good | $78 | $157 |
| Fair | $86 | $173 |
| Poor | $133 | $268 |
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
Still have questions about car insurance in Minnesota? Here are the answers to some of the most frequent questions drivers have about auto insurance coverage.
What is the average cost of car insurance in Minnesota?
The average cost of car insurance in Minnesota is $104 per month if you buy liability-only coverage. This would pay only for the damage and injuries suffered by the other party in an accident you cause. The average cost of full coverage is $201 per month.
Which company offers the cheapest car insurance in Minnesota?
The cheapest liability-only car insurance coverage in Minnesota is provided by National General and Safeco, which charge rates starting at $68 and $71 per month, respectively. Drivers with a clean record can expect to get the best deal on coverage and pay the most competitive rates, while insurers will charge people with an incident on their record more money for a policy.
Do car insurance rates vary by county in Minnesota?
Yes. Car insurance rates vary by county, ZIP code, and city. That’s because the risk of accidents or crime fluctuates based on where you live. For example, the average auto insurance premiums in Duluth are only $126 per month, versus $180 monthly in Minneapolis. That’s why it’s important for drivers to shop around to find the cheapest car insurance companies where they live.
What are the best auto insurance companies in Minnesota?
The best auto insurance companies in Minnesota depend on what you want to prioritize when selecting an insurer. National General and Safeco are the cheapest auto insurers, so they may be the best if you’re focused primarily on price. However, other insurers may be more appealing depending on your unique needs. That’s why it’s important to shop around to find the insurer that’s the best fit for you.
What are the car insurance requirements in Minnesota?
Minnesota requires drivers to buy personal injury protection (PIP) coverage. This pays for medical expenses and wage loss while covering medical bills regardless of who was at fault for the accident. The state also requires liability coverage, as well as uninsured motorist coverage and underinsured motorist coverage.
According to the rules for state minimums, you must have a minimum of $40,000 per person, per accident in personal injury protection, as well as $30,000 per person, $60,000 per accident, and $10,000 in physical damage liability coverage. You also must have at least $25,000 per person and $50,000 per accident in both uninsured and underinsured motorist coverage.[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
- 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
- IIHS. "Fatality Facts 2021 State by state."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Business Magazine. "Gender disparity in car insurance premiums – who pays more?."
- The Office of the Minnesota Attorney General. "Credit Scores."
- Minnesota Department of Commerce. "Auto Insurance."
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Christy Rakoczy
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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