What is the Average Cost of Auto Insurance in Minnesota?
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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.
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|
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.
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|
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.
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|
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!
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|
|Very Good (740-799)||$1,305.09|
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!
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|
|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|
|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.
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.