What is the Average Cost of Auto Insurance in Minnesota?

The Zebra
Nov. 12, 2018

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

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.


MINNESOTA CAR INSURANCE COSTS BY AGE
AgeAverage 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.


MINNESOTA CAR INSURANCE RATES FOR WOMEN AND MEN
GenderAverage 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.


MINNESOTA AUTO INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage 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:


MINNESOTA CAR INSURANCE COSTS BY CREDIT TIER
Credit ScoreAverage 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.


MINNESOTA CAR INSURANCE RATES AFTER VIOLATIONS
AgeAverage 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.


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