Are Auto Insurance Premiums Going Up or Down in Minnesota?

Many drivers are aware from personal experience that auto insurance rates commonly increase year-over-year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

One of the primary rating factors insurance companies use to set rates is location. The state, city, and ZIP code within which a vehicle is parked and operated help determine car insurance prices — this comes down to state statutes and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing depends on a number of factors, year-over-year rate changes vary widely by state. Car insurance rates could be on their way up year-over-year in a given state while they decrease one state over.

See below auto insurance pricing trends in Minnesota. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's car insurance comparison engine finds prices based on your individual profile — enter your ZIP below to get started.

Car insurance price trends in Minnesota

In Minnesota, average yearly auto insurance premiums increased by $29 in the past year. The typical driver in Minnesota now pays an average rate of $1,288 per year.

The year-over-year trend in Minnesota is leaning toward more expensive car insurance. From 2015 to 2018, rates grew more expensive by an average of $73 annually. Meanwhile, insurance prices across the nation have risen in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Minnesota Yearly Change — Minnesota Avg. Annual Premium — USA Yearly Change — US
2018 $1,288 $29 $1,470 $32
2017 $1,259 -$50 $1,437 $69
2016 $1,309 $94 $1,368 $88
2015 $1,215 $28 $1,280 $51
2014 $1,187 $23 $1,229 $34
2013 $1,164 $27 $1,195 -$80
2012 $1,137 -$29 $1,276 $82

If your rate trends vary from those above, consider shopping around to find a better deal.

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How are car insurance rates changing in major Minnesota cities?

Car insurance prices are set at the local level, with a variety of location-specific variables impacting how much you pay. That means drivers can see major differences in their auto insurance rates, based on their ZIP code or city. As an example, drivers in Minneapolis faced a bigger year-over-year rate increase (3.6%) than their intrastate neighbors in Brooklyn Park (3.2%) between 2018 and 2017.

The below table shows annual auto insurance rate changes in Minnesota's largest municipalities If your city is on the expensive side — and moving isn't an option — consider shopping around for a more affordable rate.

City Avg. Premium Increase — 2018 vs. 2017
Minneapolis 3.6%
Brooklyn Park 3.2%
Rochester 2.5%
Duluth 2.1%
Bloomington -1.2%

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The ZebraThe nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.