What's the Average Cost of Auto Insurance in Minnesota?

The Zebra
Oct. 11, 2018

Auto insurance policies are inexpensive in Minnesota. The average auto insurance rate in Minnesota is $1,258 per year — 11.9% less than the national average.

But auto insurance costs are affected by factors other than state lines. Car insurance premiums price based on a number of factors, including your driving record, credit history, gender, age, and marital status.

We analyzed typical Minnesota car insurance prices by each of the most common rating factors. Read on to see how much auto insurance costs in your state — or submit your zip code to receive personalized prices from leading insurers.


Average Auto Insurance Prices in Minnesota by Age Group

It’s a fact of life: as you age, your auto insurance rates shift. As a general rule, auto insurance is pricier for young drivers and teens, as underwriters consider inexperienced drivers as more risky.

In Minnesota, auto insurance runs $6,278 each year for a 16-year-old driver, but only $1,068 per year for a driver in his or her 50s.


MINNESOTA AUTO INSURANCE PRICES BY AGE
Age Average Yearly Rate
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



Average Auto Insurance Outlays in Minnesota by Gender

While gender doesn’t carry as sizable an impact on auto insurance costs as location or age, it is incorporated as a rating factor. Men pay less than do women for car insurance in Minnesota, but the disparity is only $52.31 annually.

MINNESOTA AUTO INSURANCE RATES FOR MEN AND WOMEN
Gender Average Yearly Premium
Male $1,242.02
Female $1,294.33



Average Car Insurance Rates in Minnesota by Marital Status

A pro of wedlock — in addition to the honeymoon — is the price cut you often get on insurance. In Minnesota, married drivers save $93 annually on car insurance policies. This is a better deal than the US average of $76.


MINNESOTA CAR INSURANCE PRICES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,242.02
Married $1,148.98
Divorced $1,242.02
Widowed $1,242.02



Average Auto Insurance Prices in Minnesota by Credit Score

Car insurance underwriters rely on credit score to get an idea of how reliable a client will be. Data suggest drivers with good credit are often more dependable auto insurance customers: they're less likely to file claims covered by auto insurance.

In Minnesota, a driver who holds unblemished credit saves $1,466.15 per year in car insurance premiums, contrasted with a driver saddled with a poor credit history. Read more about how credit history can impact car insurance rates:


MINNESOTA CAR INSURANCE RATES BY CREDIT TIER
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



Average Auto Insurance Costs for Bad Drivers in Minnesota

If you’re defined as to be at fault in a driving incident or convicted of a driving violation, your insurance rates are bound to climb. The more violations you accumulate, the more costly your car insurance becomes.

In Minnesota, your first minor at-fault accident leads to a penalty of $632.94 per year in auto insurance premiums. A DUI or DWI — among the most serious driving infractions — may raise your annual car insurance costs in Minnesota by as much as $723.03.


MINNESOTA AUTO INSURANCE PREMIUMS WITH TICKETS
Age Average Annual Premium
DUI or DWI $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 tired of dealing with expensive car insurance, think about insurance shopping to get affordable coverage that meets state regulations.


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