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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Car insurance policies are affordable in Minnesota. The average car insurance cost in Minnesota is $1,258 per year — nearly 12% less than the national average.

Your auto insurance rates are impacted by factors aside from your location. Car insurance premiums take into account an array of factors, including your age, gender, marital status, credit rating, and driving history.

We analyzed average Minnesota car insurance prices by each of the primary rating factors. Continue reading to learn how much car insurance costs in your state — or submit your zip to receive tailored quotes from top insurers.


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Average Minnesota auto insurance costs by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Rates in Minnesota by Age Group

It's a common phenomenon: as you age, your car insurance premiums shift. Generally, auto insurance is more costly for young drivers and teens, as car insurance companies see inexperienced motorists as more risky.

In Minnesota, auto insurance costs $6,278 annually for a 16-year-old motorist, but only $1,068 annually for a driver between 50 and 59 years of age.

Age Average Yearly Premium
16 $6,277.74
17 $5,380.95
18 $5,150.84
19 $2,837.31
20s $1,689.84
30s $1,221.02
40s $1,162.96
50s $1,067.80
60s $1,131.31
70s $1,342.12

If you're shopping for car insurance for a teen driver, Minnesota is the 25th cheapest state in which to buy auto insurance for a 16-year-old.



Average Car Insurance Prices in Minnesota by Gender

While gender does not have as sizable an impact on auto insurance prices as a driver's location or age, it is used as a rating factor by insurance companies.


Gender Average Yearly Premium
Male $1,242.02
Female $1,294.33

If you think you aren't getting the best value for your money with your active auto insurance company, the best thing to do is to shop around and compare rates.



Average Auto Insurance Rates in Minnesota by Marital Status

One benefit of marriage — in addition to the honeymoon — is the better deal you may receive on your auto insurance. In Minnesota, married drivers save $93 each year on car insurance policies. This is more than the national mean of $76.

Marital Status Average Annual Premium
Single $1,242.02
Married $1,148.98
Divorced $1,242.02
Widowed $1,242.02

Car insurance coverage for divorced drivers in Minnesota is the 31st most expensive in the US. If you're paying too much for your auto insurance policy, don't be afraid to shop around. It never hurts to see what's out there!



Average Auto Insurance Prices in Minnesota by Credit History

Auto insurers reference credit score to determine how reliable a prospective customer will be. Historical data indicate drivers with superior credit are more insurable auto insurance customers: they are less likely to file claims insurance companies have to cover.

In Minnesota, a driver who has exceptional credit saves $1,466.15 annually on auto insurance, compared to a driver with a poor credit history. Read more about how credit affects auto insurance prices:

Credit Score Average Annual Premium
Very Poor (300-579) $2,533.86
Fair (580-669) $2,036.93
Good (670-739) $1,582.26
Very Good (740-799) $1,305.09
Exceptional (800-850) $1,067.71

Finding affordable auto insurance if you're saddled with bad credit can be hard. But The Zebra is here to provide some help. Check out our tips on getting auto insurance with bad credit and learn how to save!



Typical Auto Insurance Costs for High-Risk Drivers in Minnesota

If you’re discovered to be at fault after a driving incident or convicted of a vehicular violation, your car insurance costs are bound to grow. The more infractions you amass, the pricier your car insurance gets.

In Minnesota, your first minor at-fault accident costs $632.94 per year in auto insurance payments. A DUI — among the most grievous driving violations — will increase your annual car insurance costs in Minnesota by as much as $723.03.

Age Average Annual Premium
DWI/DUI $1,980.67
Reckless Driving $1,812.97
At-Fault Accident (<$1,000) $1,890.57
At-Fault Accident ($1,000-$2,000) $1,916.04
At-Fault Accident (>$2,000) $1,890.57
Open Container $1,687.97
Speeding (21-25 MPH > limit) $1,555.09
Speeding (16-20 MPH > limit) $1,555.09

If you're facing above-average car insurance costs, it's worth shopping policies to get cheap coverage that meets your requirements.



Average Auto Insurance Premiums by Coverage Tier in Minnesota

How much you pay every month for car insurance is dependent on the tier of coverage you choose. Liability-only coverage normally is less costly, while low-deductible comprehensive coverage costs more. In Minnesota, the price disparity between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $681.

Coverage Level Average Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only $544
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,066
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,218
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only $510
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,037
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,190
State Minimum — Liability Only $472
State Minimum — $1,000 Comprehensive/Collision $999
State Minimum — $500 Comprehensive/Collision $1,153

If your car insurance premiums cost more than average, it's worth weighing your options to discover inexpensive coverage that suits you.


About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.