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Average car insurance rates in MN by zip code
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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.
Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.
Last updated: January 2nd, 2025
Finding car insurance in Minnesota doesn’t have to be complicated. From understanding what influences your rates to discovering how much you should expect to pay, we’re here to guide you. Our goal is to break down the key factors that impact your car insurance premiums in Minnesota, helping you make an informed decision with confidence.
Average car insurance rates in MN by zip code
$2,255
Average annual premium
3% less
Than the national average
Save 17%
With excellent credit
Save 20%
When married
A full coverage car insurance policy offers more complete coverage. It often includes higher liability coverage limits, personal injury protection, comprehensive insurance, and collision insurance. These additional coverages will help cover any damages you or your vehicle sustains in an accident or non-collision incident.
Average cost for a full coverage insurance
policy in Minnesota: $2,255 per year
Average cost for a full coverage insurance policy in Minnesota: $2,255 per year
Here’s what the average driver can expect to pay for full coverage from some of the top car insurance companies in Minnesota:
Annual rates for a 35-year-old male driving a 2024 RAV4, estimated using publicly sourced data from First Interpreter. They are estimates, not actual quotes. Accurate as of April 2025.
Looking for the best car insurance in Minnesota?
Full coverage is often the way to go if you want comprehensive protection. While Western Agriculture Insurance, Secura Insurance, and Travelers offer some of the cheapest full coverage car insurance options in Minnesota, it’s always a good idea to compare car insurance to find the best rates for your specific needs.
Minnesota requires five types of car insurance coverage: bodily injury liability, property damage liability, uninsured motorist coverage, underinsured motorist coverage, and personal injury protection. However, many drivers choose to purchase additional coverage types, such as comprehensive coverage, to help cover certain costs associated with different types of accidents.
Average cost for a minimum coverage
policy in Minnesota: $717 per year
Average cost for a minimum coverage policy in Minnesota:
$717 per year
Bodily Injury Liability – 30,000 limit per person/$60,000 limit per accident
Personal Injury Protection – $40,000 limit per person, per accident
Property Damage Liability $10,000 limit
Uninsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident
Underinsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident
Minnesota minimum coverage only covers damages you cause to others and their property in an accident. It does not include collision or comprehensive, which cover damages to your own property in an accident you cause.
Here’s what the average driver can expect to pay for minimum coverage from some of the top car insurance companies in Minnesota:
Annual rates for a 35-year-old male driving a 2024 RAV4, estimated using publicly sourced data from First Interpreter. They are estimates, not actual quotes. Accurate as of April 2025.
Looking for the cheapest car insurance in Minnesota?
Minimum coverage is the most affordable way to insure your vehicle in Minnesota, typically saving you 68% per year compared to the average cost of full coverage.
However, minimum coverage doesn’t protect against damage to your car from accidents, severe weather, or theft. Additionally, the coverage limits – the maximum amount your insurer will pay for a claim – are often significantly lower than those offered by full coverage policies.
This means that even though minimum coverage can reduce your monthly premiums, it may leave you with higher out-of-pocket costs if you ever need to file a claim. Balancing affordability with the coverage you need is key to making a smart insurance choice.
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The state you live in is only one of the factors that may impact your car insurance rate. Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.
Factors that can impact your quoted rates include:
Car insurance will be different for each city – and even zip code – in Minnesota. For a deeper look at car insurance rates, trends, and companies near you, find your city in the list below.
What’s the impact?
Your driving history is one of the most critical factors insurance companies consider when deciding how much you’ll pay for car insurance. Accidents, traffic violations, and DUI/DWI offenses can substantially increase your premiums.
These are the common types of incidents that can greatly impact the price you pay for insurance.
1. Traffic Violations
Insurance providers consider traffic violations such as speeding tickets, reckless driving, running red lights, and DUI/DWI offenses as indicators of risky driving behavior. The more violations you have on your record, generally the higher your insurance rates will be.
2. Accidents
Being involved in accidents and filing claims can significantly impact your insurance rates. At-fault accidents tend to have a greater impact compared to accidents where you were not responsible. Multiple accidents or a history of frequent claims can lead to higher premiums.
3. Claims History
Insurance companies review your claims history to evaluate the likelihood of future claims. If you have a record of filing numerous claims, regardless of fault, insurers may consider you a higher risk and increase your rates accordingly.
4. License Suspensions or Revocations
If your driver’s license has been suspended or revoked due to violations or other reasons, insurance companies may view you as a high-risk driver, resulting in higher premiums.
5. Time Since Last Incident
Insurance providers often consider the time since your last traffic violation or accident. Generally, the longer you go without any incidents, the more favorable it is for your insurance rates.
Younger drivers tend to pay more for their car insurance. As drivers gain more experience and reach their mid-20s and 30s, insurance rates typically go down. This is because they have had more time to develop their driving skills and establish a track record of safe driving.
However, as drivers enter their senior years, insurance rates may start to increase again. This is primarily due to factors such as decreased vision, slower reaction times, and potential health issues that can impact driving abilities.
Why does this matter?
Teens are considered high-risk drivers. Adding a teen to your policy is expensive, but combining policies can help lower the cost. Learn more about combining policies and insuring a teenage driver >
Average cost for a teen driver
$8,582
When a parent adds the teen to their policy
Save 53%
Insurance companies can use credit score as a rating factor in Minnesota. Generally, the better your credit score, the cheaper your rates. Improving your credit score can save you a lot! However, if you have bad credit, you may still be able to find affordable insurance. Learn more about cheap car insurance with bad credit >
With poor credit
116% more
With good credit
Pay $2,255
With excellent credit
Save 17%
Some insurance providers use your sex as a factor to determine your rates, but factors such as your zip code and driving record generally impact your rate more.
Males pay an average of
$2,255 per year
Females pay an average of
$2,208 per year
In general, married drivers who combine their car insurance policies save money. Insurance companies may give married couples lower rates because they’re seen as lower-risk. Combining policies can save even more. If you’re married, ask about multi-car discounts!
Married couples save 20% on their
car insurance on average in Minnesota.
Married couples save 20% on their car insurance on average in Minnesota.
The vehicle you drive will also impact your insurance rate. Car insurance providers consider your vehicle’s year, make, model, and trim level to determine your rates. Generally, the higher the value of your car, the more expensive it will be to insure. This means that new cars, electric or hybrid vehicles, and sports cars usually have more expensive insurance than older cars or cars that are less expensive to repair or replace.
The cheapest car to insure among popular 2023 models is the Subaru Outback, while the most expensive is the Tesla Model S.
Find cheap car insurance by vehicle >
The policy, coverage types, and coverage amount you choose will also impact the price you pay for car insurance. Generally, the more coverage you have, the more you’ll pay.
How much car insurance do you need in Minnesota?
You’ll need at least a minimum coverage policy in Minnesota. Minimum coverage is significantly cheaper than a full coverage policy, but make sure it’s enough to protect you in an accident. Additionally, if you’re one of the many drivers who lease or finance their vehicle, your lender may require you to carry additional insurance.
While a minimum coverage policy is much cheaper than full coverage, you may notice that the difference between a premium full coverage policy with higher coverage limits is not that much more expensive than a standard policy with lower limits. In this case, it might make sense for you to choose a policy with higher limits since you will get much more protection in case of an accident.
Annual rates for a 35-year-old male driving a 2024 RAV4, estimated using publicly sourced data from First Interpreter. They are estimates, not actual quotes. Accurate as of April 2025.
Minnesota, also known as the Land of 10,000 Lakes, is an adventure enthusiast’s playground. With approximately 11,842 lakes and 6,564 natural rivers and streams, the state offers residents a significant amount of wilderness, giving name to Minnesota’s NHL team, the “Minnesota Wild.” Whether you’re thinking about moving to Minnesota or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in Minnesota. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Minnesota. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.
A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Minnesota. Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.
First, Minnesota car insurance is required by the state, and driving without it can result in a fine of at least $200. Additionally, it may result in license plate removal and a license and registration suspension. It is important to have the minimum required auto insurance in Minnesota and keep it up to date without a lapse in coverage.
One vital reason to have car insurance in Minnesota is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.
Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in Minnesota.
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The minimum car insurance requirements in Minnesota are: Bodily Injury Liability – 30,000 limit per person/$60,000 limit per accident. Personal Injury Protection – $40,000 limit per person, per accident. Property Damage Liability – $10,000 limit. Uninsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident. Underinsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident.
Typically, you will be granted 7-10 days to get car insurance for a new car in MN.
Driving without insurance is a misdemeanor in MN. If you are convicted of driving without insurance, you will be subject to fines up to $1,000.
Yes, you should regularly review and adjust your coverage as your business evolves to ensure that all new risks are adequately covered.
The process typically involves notifying your insurer as soon as possible, providing documentation of the loss or damage, and working with an adjuster to assess the claim.
If your business owns, leases, or operates vehicles, commercial auto insurance is necessary to cover liabilities associated with vehicle accidents.
Workers’ Compensation Insurance is mandatory in most states for businesses with employees. It provides wage replacement and medical benefits to employees injured on the job.
General Liability Insurance covers your business against claims of bodily injury, property damage, and personal injury that could arise from your business operations.
Personal insurance protects individuals and their personal assets, such as homes, vehicles, and belongings, covering risks like property damage and personal liability. Common types include auto, homeowners, and health insurance. Commercial insurance, on the other hand, is designed for businesses. It covers risks related to business operations, such as property damage, liability, employee-related risks, and more. Examples include General Liability, Commercial Property, and Workers’ Compensation insurance.
Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.
For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2024 RAV4.
These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.
At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.
So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you.
Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.
We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.
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