Minnesota Car Insurance Quotes & Average Rates
Full coverage car insurance in Minnesota is estimated at $1,962 a year, or $164 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $727 a year. Minnesota is a no-fault state, and drivers must carry 30/60/10 liability limits. Below you will find estimated rates for 73 Minnesota cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Minnesota
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Minnesota
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,491 | $124 | -24% | Military members and families only |
| Geico | $1,609 | $134 | -18% | Usually cheapest for clean records |
| State Farm | $1,727 | $144 | -12% | Strong for young and student drivers |
| Progressive | $1,864 | $155 | -5% | Competitive after a ticket or accident |
| Travelers | $1,903 | $159 | -3% | Good multi-policy discounts |
| Nationwide | $1,962 | $164 | 0% | Mid-market, wide availability |
| Allstate | $2,237 | $186 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,374 | $198 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Minnesota. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Minnesota car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,299 | $1,964 | $442 |
| 18 years old | $4,470 | $1,657 | $372 |
| 20 years old | $3,701 | $1,372 | $308 |
| 22 years old | $3,074 | $1,140 | $256 |
| 25 years old | $2,346 | $870 | $196 |
| 30 years old | $2,022 | $750 | $169 |
| 40 years old | $1,901 | $705 | $158 |
| 50 years old | $1,820 | $675 | $152 |
| 60 years old | $1,800 | $667 | $150 |
| 65 years old | $1,881 | $697 | $157 |
| 70 years old | $2,063 | $765 | $172 |
| 75 years old | $2,407 | $892 | $201 |
Estimated premiums by age in Minnesota, clean record, sedan.
How violations change your Minnesota premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,962 | — |
| 1 speeding ticket | $2,413 | +23% |
| 1 at-fault accident | $2,884 | +47% |
| DUI / DWI | $3,708 | +89% |
What a violation costs a 35-year-old in Minnesota. Surcharges normally stay on the policy for three to five years.
A DUI in Minnesota usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Minnesota minimum insurance requirements
| Required coverage in Minnesota | Minimum limit |
|---|---|
| Bodily injury liability, per person | $30,000 |
| Bodily injury liability, per accident | $60,000 |
| Property damage liability | $10,000 |
| PIP $40,000 | Required |
| Uninsured/underinsured 25/50 | Required |
| Insurance system | No-fault |
Limits are set by statute and change from time to time. Confirm the current figures with the Minnesota Department of Insurance before you buy.
Coverage levels in Minnesota
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $727 | $61 |
| Full coverage (100/300/100 + comp & collision) | $1,962 | $163 |
| Full coverage, high limits + low deductible | $2,335 | $195 |
Coverage level comparison for Minnesota.
Car insurance rates in Minnesota cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 73 Minnesota cities we price.