Best Auto Insurance Rates in Minnesota

On average, your neighbors pay $65 a month.

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Compare Auto Insurance in Minnesota

The long, cold winters in Minnesota produce a lot of treacherous driving conditions. With drivers at an elevated risk of a car insurance claim due to snowy and icy roads, it pays to be knowledgeable about Minnesota car insurance.

We’ll show you which types of coverage are legally required in Minnesota, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average Minnesota Car Insurance Rates

How much is car insurance in Minnesota? Drivers here are very safe drivers and insurance companies have taken notice. Minnesota car insurance rates are much lower than the national average. The average cost of auto insurance in Minnesota is $787.74, compared to the national average price of $889.01.

Prices may vary depending on your zip code, limits, and coverage.

Minnesota (MN) Average Car Insurance Rates
Coverage Rates
Liability $456.82
Collision $234.40
Comprehensive $184.27
Total Cost Per Year $787.74
Price Per Month $65.64
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Minnesota rates from 2011 to 2015, the most recent year the data is available. According to the III, Minnesota car insurance rates increased from $696 in 2011 to $787 in 2015, a jump of $91 dollars, or 13.18 percent.

Minnesota average car insurance rates

Source: Insurance Information Institute (iii)

Shopping for car insurance in Minnesota can seem like a lot of work. From researching companies to comparing rates, it’s easy to get overwhelmed.

Let QuoteWizard help. Fill out our easy to use (and understand) form and you’ll be well on your way to finding cheap car insurance in Minnesota. How? We’ll put you in touch with top insurance companies so you can compare quotes and get the best rates.

Most Popular Auto Insurance Companies in Minnesota

These are the most frequently used car insurance companies reported by Minnesota drivers requesting quotes from QuoteWizard last year. Of the 118,655 Minnesota drivers using QuoteWizard to find auto rates last year, 11,479 were uninsured.

Which company has what you need? Check out our company comparison page, where we’ve compiled extensive overviews of the biggest insurers in the country.

Are you looking for high-risk auto insurance? If you can’t find the policy you need through one of our providers, check out the Minnesota Automobile Insurance Plan (MAIP). The MAIP can help you get the minimum liability insurance you need to get on the road.

If you’re a teenage driver or the parent of one, you want to get the best, most affordable rate possible. Our study shows that teen drivers can pay an average of $438 a month for auto insurance. AAA, Progressive, and State Farm tend to work well for Minnesota teen drivers.

Top 10 Vehicles

The following are the most commonly owned vehicles of QuoteWizard users in Minnesota.

  1. Ford F150
  2. Chevrolet Impala
  3. Toyota Camry LE
  4. Ford Focus SE
  5. Ford Fusion SE
  6. Chevrolet Malibu
  7. Chevrolet Equinox LT
  8. Honda Accord EX
  9. Nissan Altima 2.5
  10. Toyota RAV4
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minnesota Car Insurance Rate Factors

Minnesota auto insurance rates are lower than the national average. There are regional factors that can affect the insurance rates of all drivers in Minnesota, including the percentage of uninsured drivers, local driver history, and auto theft trends.

Uninsured Drivers

11.5 percent of Minnesota drivers are uninsured. This is below the national average of 13 percent. Keeping the uninsured rate low means lower rates for everyone.

Best and Worst Drivers

Our national study found that Minnesota ranks sixth for worst drivers in the country. The ranking was composed by looking at Minnesota’s 2018 citation, speeding ticket, DUI, and crash data. We applied the same algorithms to cities in the country, and Minneapolis came in 11th for the worst city for drivers in the United States.

Stolen Vehicles

Minnesota has the 27th highest rate of auto theft in the country. If you live in an area where auto theft is prevalent, it can increase your rates. Also, if you own a car that thieves tend to find attractive, your insurer might deem it high-risk. Check the list below and see if yours is among the most frequently stolen cars in Minnesota.

Source: National Insurance Crime Bureau: 2017 Hot Wheels Report

  1. 1998 Honda Civic
  2. 1997 Honda Accord
  3. 1999 Chevrolet Pickup (Full Size)
  4. 2000 Honda CR-V
  5. 2001 Ford Pickup (Full Size)
  6. 1999 Toyota Camry
  7. 2008 Chevrolet Impala
  8. 1997 Toyota Corolla
  9. 2005 Dodge Caravan
  10. 2005 Chevrolet Malibu

Car Insurance Discounts in Minnesota

Auto insurance providers offer discounts to help their policyholders save money. Here are a few that may be of interest:

  1. The average Minnesotan household owns two cars. If you or your family own more than one car, see if you can get a multi-car discount as part of your policy.  
  1. Minnesota’s average commute time is 22.4 minutes. If your commute is on the lower end of that, you may be eligible for a short commute discount.
  1. Do you already have a life or home insurance policy? Look into getting a bundle deal with an auto policy. Bundling helps you save money on both policies.
  1. 8.2 percent of Minnesotans carpool to and from work. If someone else is doing the driving, let your insurer know. The less time you’re behind the wheel, the less of a risk you are, and there could be a discount available.
  1. Over 20 percent of Minnesota’s population is 55 or older. If you’re in this age range, look into the discounts available.
Minnesota drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Minnesota Car Insurance Laws

Minimum Car Insurance Requirements in Minnesota

Minnesota’s no-fault insurance system requires the following minimum coverage of drivers registered there:

  • Bodily injury liability per person: $30,000
  • Bodily injury liability per incident: $60,000
  • Property damage liability per incident: $10,000
  • Uninsured/underinsured motorist bodily injury coverage per person: $25,000
  • Uninsured/underinsured motorist bodily injury coverage per incident: $50,000
  • Personal injury protection-medical coverage: $20,000
  • Personal injury protection-economic loss: $20,000

Recommended Coverage

Insurance rates vary by region in Minnesota. If you live in an area with a high property crime rate, for example, it will hurt your auto insurance premiums. Taking steps to keep your car safe  is one of the best ways to lower your auto insurance rate. Also, adding comprehensive coverage will protect you from theft or vandalism. Consider it if your neighborhood has a high property crime rate.

Minnesota requires minimum liability insurance, but it’s only intended to cover the other driver’s damages in a crash. To make sure your damages are covered after a crash, look into full coverage. On top of that, the total cost of a serious crash could go well over the top payout minimum liability provides. As such, it’s recommended that you purchase the following coverage:

  • Individual body injury liability: $100,000
  • Total bodily injury liability: $300,000
  • Property damage liability: $100,000

Required Proof of Insurance

Minnesota drivers are required by law to show proof of insurance upon request from law enforcement. Proof may be in hard copy or electronic format.


Minnesota does not require an SR-22 after a license suspension. However, if you have an SR-22 in another state, you must fulfill it.

Totaled Cars with Salvage or Rebuilt Titles

If your car is damaged and the cost to repair is higher than the value of the car, it is a total loss. Total loss vehicles receive a salvage title. If the car is repaired to road-worthy status, it gets a rebuilt title.

Every state has different laws regarding totaled cars. In Minnesota total loss is calculated by a percentage (70 percent). This means that if the car’s damage equals 70 percent of its actual cash value, it’s totaled.  

Finding coverage for a salvage or rebuilt title in Minnesota can be difficult. At best, you’ll have a high premium. Some providers do not even cover these titles.

Minnesota Traffic Safety Laws

Distracted Driving

Minnesota drivers are banned from texting, emailing, or accessing the internet from a wireless device while driving. Cell phone use by teen drivers is completely banned while driving.


If you are found driving in Minnesota with a blood alcohol concentration (BAC) of 0.08 percent or more, you’re guilty of driving while intoxicated (DWI). Depending on the number of DWI offenses on your record, penalties include:

  • 90 days to seven years in jail
  • $1,000 to $14,000 in fines
  • 90 days to four years license suspension
  • Ignition interlock device installation

Senior Drivers

When you turn 65, chances are you’ll see your rates increase. If you’ve kept a clean driving record, chances are the hike will be minimal. But as you get older, you’ll see more increases. Minnesota has no special provisions for senior drivers.

Cars Registered in Other States

If you’re driving in Minnesota in a vehicle registered in another state, you are required to have that state’s minimum coverage. You must also be able to show proof of insurance.

Minnesota Department of Commerce - Insurance

Commissioner - Insurance:
Mike Rothman
Insurance Hotline:
(651) 539-1600

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