Car insurance in Minnesota costs between $88 and $152 per month on average — below the national average. Minimum coverage runs approximately $88 per month, while full coverage averages around $152 per month. Rates vary based on your age, driving record, credit score, and location within the state. Minnesota is a no-fault state, which means all drivers must carry Personal Injury Protection (PIP) in addition to standard liability coverage.
Minnesota drivers generally enjoy more affordable car insurance compared to the rest of the country. The state ranks 21st out of 50 for affordability, with full coverage rates running approximately 10% below the national average. However, several factors unique to Minnesota — including mandatory PIP coverage, harsh winter weather, and the Twin Cities metro — can push individual premiums higher or lower than the statewide average.
Whether you’re looking for the minimum required coverage or a comprehensive full-coverage policy, this guide breaks down everything Minnesota drivers need to know to find the right coverage at the right price.
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Minnesota car insurance rates vary significantly based on the type of coverage you choose. Here is an overview of current average rate ranges across coverage levels:
| Coverage Type | Monthly Rate Range | Annual Rate Range |
|---|---|---|
| Minimum / Liability Only | $45 – $110/mo | $540 – $1,320/yr |
| Full Coverage | $109 – $190/mo | $1,308 – $2,280/yr |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Where you live in Minnesota plays a major role in what you pay. Urban areas,,especially in the Twin Cities metro, tend to have higher premiums due to greater traffic density, higher accident frequency, and elevated theft rates.
| City | Avg. Monthly Range (Full Coverage) | vs. State Average |
|---|---|---|
| Minneapolis | $130 – $185/mo | Above Average |
| Saint Paul | $115 – $175/mo | Above Average |
| Duluth | $95 – $140/mo | Near Average |
| Rochester | $75 – $115/mo | Below Average |
| Bloomington | $100 – $150/mo | Near Average |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Yes, Minnesota is a no-fault insurance state. This means that after a car accident, each driver’s own insurance pays for their medical expenses and related costs, regardless of who caused the accident. You do not need to prove the other driver was at fault to receive benefits.
Minnesota’s no-fault law is designed to speed up claim payments and reduce litigation after minor accidents.
All Minnesota drivers must carry a minimum of $40,000 in PIP coverage per person per accident: $20,000 for medical expenses and $20,000 for non-medical expenses (such as lost wages and household services).
Car insurance rates are highly personalized. The table below shows how key factors can push your rate above or below the state average.
| Driver Profile | Avg. Monthly Range | Avg. Annual Range | vs. Clean Record Rate |
|---|---|---|---|
| Teen Driver (16–19) | $180 – $280/mo | $2,160 – $3,360/yr | 2–3x higher |
| Young Adult (20–25) | $130 – $200/mo | $1,560 – $2,400/yr | 1.5x higher |
| Adult Driver (30–55) | $88 – $155/mo | $1,056 – $1,860/yr | Baseline |
| Senior Driver (65+) | $100 – $175/mo | $1,200 – $2,100/yr | Slightly higher |
| After 1 At-Fault Accident | $130 – $200/mo | $1,560 – $2,400/yr | +20–40% |
| After a DUI | $165 – $250/mo | $1,980 – $3,000/yr | +40–80% |
| After a Speeding Ticket | $110 – $175/mo | $1,320 – $2,100/yr | +15–30% |
| Poor Credit Score | $150 – $240/mo | $1,800 – $2,880/yr | +40–100% |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Minnesota’s climate and road conditions make having adequate car insurance especially important:
Carrying the minimum required car insurance in Minnesota is a legal requirement. If you are caught driving without insurance, you could face:
Reinstating a suspended license in Minnesota requires paying a reinstatement fee and providing an SR-22 form to the Minnesota Department of Public Safety. The SR-22 requirement typically lasts for three years.
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Minnesota car insurance costs between $45 and $110 per month for minimum coverage and $109 to $190 per month for full coverage, based on 2026 Insurify data. Your actual rate depends on your age, driving history, credit score, and ZIP code.
Minnesota requires drivers to carry: $30,000 per person / $60,000 per accident in bodily injury liability; $10,000 per accident in property damage liability; $25,000 per person / $50,000 per accident in uninsured and underinsured motorist coverage; and $40,000 per person in Personal Injury Protection (PIP).
Yes. Minnesota is a no-fault state. After an accident, your own PIP coverage pays for your medical costs regardless of who was at fault. You can only sue the other driver for pain and suffering if medical expenses exceed $4,000 or you suffer a serious or permanent injury.
Based on 2026 data, some of the most affordable companies for Minnesota drivers include Auto-Owners, Travelers, Westfield, and State Farm. The cheapest company for you specifically will depend on your driver profile. Comparing multiple quotes is the most reliable way to find your lowest rate.
Yes. Minnesota permits insurers to use your credit-based insurance score when setting your premium. Drivers with poor credit may pay 40–100% more than drivers with good credit for the same coverage. Improving your credit score over time can meaningfully reduce your car insurance costs.
Driving without insurance in Minnesota is illegal and can result in fines from $200 to $1,000+, license and registration suspension, and an SR-22 requirement. Your vehicle may also be impounded.
You can lower your rate by comparing quotes from multiple insurers annually, asking about available discounts (safe driver, multi-policy, good student), maintaining a clean driving record, improving your credit score, and choosing a higher deductible if you can afford it.
Yes. Minnesota requires all drivers to carry Personal Injury Protection (PIP) with a minimum of $40,000 per person per accident ($20,000 for medical and $20,000 for non-medical expenses). PIP covers your own injuries regardless of fault.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
