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Average cost of car insurance in Minnesota for 2022

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The average cost of car insurance in Minnesota is $537 per year for minimum coverage and $1,643 annually for full coverage insurance, which is slightly below the national average of $565 and $1,674 for minimum and full coverage. These are average rates, and several factors determine your actual rate when you purchase car insurance.

How much is car insurance in Minnesota?

Some of the factors that can affect your car insurance rates include what kind of car you drive and the amount of coverage you need and what city you live in, your driving record, and your age. Understanding how some of these things can influence your premium can help you find the best rates when looking for auto insurance in Minnesota.

Minnesota car insurance rates by company

We compared several of the top insurance carriers in Minnesota. We found that West Bend and USAA are solid choices if you’re looking for just the state-required minimum coverage, while Iowa Farm Bureau and State Farm offer some great rates for full coverage insurance.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $487 $1,777
Allstate $549 $1,614
American Family $590 $1,176
Auto-Owners $430 $1,366
Country Financial $519 $2,022
Geico $540 $2,051
Iowa Farm Bureau $370 $1,015
MetLife $793 $2,011
North Star Mutual $319 $1,421
QBE $1,127 $2,214
State Farm $483 $1,167
USAA $461 $1,491
West Bend $380 $1,306
Western National $470 $1,739

Minnesota car insurance rates by city

Minnesota is a large state with diverse communities that range from urban to rural. Drivers in Minnesota’s bigger cities typically see more expensive premiums than those who live in rural or suburban areas. We broke down average rates for the 20 most populated cities in Minnesota below to give you an idea of what to expect depending on where you live. Drivers in Minneapolis, the state’s largest city, can expect to pay some of the highest rates in the state at 21 percent above the Minnesota average.

City Average annual premium for full coverage % increase in average annual premium
Minneapolis $1,980 21%
St. Paul $1,948 19%
Rochester $1,500 -9%
Duluth $1,555 -5%
Bloomington $1,621 -1%
Brooklyn Park $1,784 9%
Plymouth $1,561 -5%
St. Cloud $1,550 -6%
Eagan $1,590 -3%
Woodbury $1,593 -3%
Maple Grove $1,567 -5%
Coon Rapids $1,673 2%
Eden Prairie $1,536 -7%
Burnsville $1,614 -2%
Lakeville $1,579 -4%
Blaine $1,653 1%
Minnetonka $1,577 -4%
Apple Valley $1,583 -4%
Mankato $1,445 -12%
Edina $1,615 -2%

Minnesota car insurance rates by age

Younger drivers are considered at higher risk because of their lack of experience behind the wheel. Statistically, they are also responsible for more accidents and fatalities than other age groups, making them more expensive to insure. Most drivers will see premiums decrease as they age, as long as they maintain a good driving record and do not file a lot of claims.

Age Average annual premium in Minnesota
Age 16* $2,217
Age 18 $4,177
Age 20 $3,333
Age 25 $2,011
Age 30 $1,741
Age 40 $1,643
Age 50 $1,548
Age 60 $1,510
Age 70 $1,600

*16-year-old calculated on parent’s policy disclosure

Minnesota car insurance rates by driving record

Insurance companies emphasize safe drivers and reward them with some of the best car insurance rates. On the other hand, an accident or speeding ticket could raise your premiums considerably. A single DUI could raise your rates by more than 50 percent.

Driving incident Average annual full coverage premium in Minnesota % increase in average annual premium
Speeding ticket $2,062 20%
Accident $2,298 29%
DUI $3,443 52%

How to save on car insurance in Minnesota

Things like age and location that affect your car insurance rates cannot be controlled, but there may be other ways to lower your car insurance rates in Minnesota.

  • Get quotes periodically: Make it a habit to check other carriers’ auto insurance rates are compared to what you currently pay. You may find better rates from a different company that makes it worthwhile to switch carriers.
  • Ask for discounts: Nearly all car insurance companies provide some discounts that can help you lower premiums. For example, you can get a rate reduction for setting up automatic payments, bundling your vehicle and renters or home insurance, staying with the same provider over time or even for switching companies.
  • Look for affiliate or organization deals: Some carriers offer exclusive discounts to people who work for a specific employer, belong to an association, or attend a partner university or college.
  • Buy insurance with accident forgiveness: An accident could raise your premiums up29 percent on average. Opting for coverage with accident forgiveness could protect you from a steep increase if you only have accidents occasionally.

Frequently asked questions

How much is car insurance in Minnesota?

The annual average cost of car insurance in Minnesota is $1,643 for full insurance and $537 for the state-required minimum, just under the national average. Keep in mind that actual rates will vary and depend on several unique factors.

What are the cheapest car insurance companies in Minnesota?

Again, actual rates will vary, but Bankrate’s study of the cheapest car insurance in Minnesota found that AAA and State Farm offer some very competitive rates for full coverage insurance. It’s a good idea to shop around and compare rates and coverage options that fit your circumstances.

How much car insurance do I need in Minnesota?

You’ll need at least 30/60/10 for liability coverage, which is $30,000 for bodily injury per person, $60,000 per accident and $10,000 for property damage. Also, you’ll need uninsured/underinsured motorist insurance of $25,000 in bodily injury per person and $50,000 in bodily injury per accident, as well as $40,000 in personal injury protection.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN,, and