Average car insurance cost in Minnesota
Minnesota sits in the pricier half of the country at #35 of 51, with average premiums about 7% above the national average — roughly $168 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Minnesota compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Minnesota next to nearby states:
| State | Full coverage /mo | Difference vs MN |
|---|---|---|
| Minnesota | $222 | — |
| Wisconsin | $168 | −$54/mo |
| Iowa | $170 | −$52/mo |
| North Dakota | $180 | −$42/mo |
| South Dakota | $196 | −$26/mo |
Minnesota car insurance FAQ
How much is car insurance in Minnesota?
Full-coverage car insurance in Minnesota averages $222 per month ($2,664 per year). A state-minimum liability policy averages $71 per month ($852 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Minnesota more expensive than average?
Yes. Minnesota's full-coverage average of $222/month is about 7% above the U.S. average of $208/month, ranking #35 of 51 (1 = cheapest).
Is Minnesota a no-fault state?
Yes. Minnesota uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Minnesota?
Minimum liability in Minnesota averages $71/month versus $222/month for full coverage — a gap of $151/month, or $1,812/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.