Minnesota Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Minnesota car insurance averages about $223 a month ($2,674 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the national average in our data. It’s higher than in Iowa, North Dakota, South Dakota and Wisconsin. Travelers has the lowest full-coverage average of the six major insurers we compared (Allstate, American Family, Auto-Owners, GEICO, State Farm and Travelers), at about $147 a month.

Minnesota car insurance: key numbers

• Full coverage: about $223 a month ($2,674 a year)
• Liability only (30/60/10): about $64 a month
• Lowest-priced insurer: Travelers has the lowest full-coverage average of the six major insurers we compared, at about $147 a month
• Recent price change: −6.4% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Ramsey County (about $255 a month) and Martin County (about $189)

Where you live matters. The Twin Cities cost the most in our data: Ramsey County averages about $255 a month for full coverage, Hennepin County $243 and Anoka County $235. Southern Minnesota costs the least, and Martin County is the least expensive of the 64 counties we price, at about $189. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 258 Minnesota ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

What’s the Average Cost of Car Insurance in Minnesota per Month?

The average cost of car insurance in Minnesota is about $223 a month ($2,674 a year) for full coverage and $64 a month ($765 a year) for liability-only coverage at the 30/60/10 state minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Minnesota averages $2,674 a year, or about $223 a month, for our benchmark driver. Liability-only coverage at Minnesota’s 30/60/10 minimum averages $765 a year ($64 a month), and 50/100/50 liability with comprehensive and collision averages $2,619 ($218 a month).

• Full coverage (100/300/100, $500 deductibles): $2,674 a year ($223 a month)
• 50/100/50 with $500 deductibles: $2,619 a year ($218 a month)
• Liability only (30/60/10): $765 a year ($64 a month)
• Minneapolis: $3,036 a year ($253 a month) for full coverage
• St. Paul: $2,931 a year ($244 a month) for full coverage
• Rochester: $2,338 a year ($195 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Minnesota Compares With Neighboring States

Minnesota’s average is about $27 a month above Iowa’s, $59 above North Dakota’s, $29 above South Dakota’s and $39 above Wisconsin’s. It’s the 19th-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Minnesota: Companies Compared

• Lowest average in our data, full coverage: Travelers, at about $147 a month ($1,764 a year).
• Next lowest: State Farm, at about $166 a month, then Auto-Owners at $176.
• Lowest liability-only average (30/60/10): Auto-Owners, at about $48 a month, then Travelers at $52.
• Also on our list: USAA at about $172 a month, Nationwide at $227 and North Star Mutual at $278 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $294 a month for full coverage, $1,769 a year more than Travelers.

Travelers has the lowest full-coverage average among the six insurers in our Minnesota rate data. The published 2026 statewide Minnesota rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the six we checked put it first, apart from USAA, which sells only to military families. For liability-only coverage at 30/60/10 limits, Auto-Owners has the lowest average among these six insurers, at about $48 a month, with Travelers close behind at $52.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Minnesota

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Rates change by city and ZIP code across Minnesota. Enter yours to compare quotes.

How Minnesota’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Minnesota?

Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Minnesota ZIP codes, their full-coverage average fell from $2,740 a year nine months earlier to $2,564 in rates as of Aug. 31, 2026, a 6.4% drop. American Family cut its Minnesota average 19.2% and Auto-Owners 2.8%, while Allstate’s, State Farm’s and Travelers’ averages were about unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Minnesota average above. Liability-only coverage at 30/60/10 limits fell 7.3%, led by American Family, which cut its liability-only average 25.8%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Minnesota Car Insurance Costs

Minnesota’s full-coverage average is the 19th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The Twin Cities. Ramsey County and Hennepin County are the two most expensive counties in our data. ZIP codes with a Minneapolis mailing address average $253 a month and St. Paul $244, while Rochester averages $195 and Duluth $204.
• No-fault coverage on every policy. Minnesota requires $40,000 of personal injury protection plus uninsured and underinsured motorist coverage, in addition to liability coverage.
• How rates are set. Minnesota insurers must file their rates with the Commerce Department no later than the date they take effect, under Minn. Stat. 70A.06, and rates can’t take effect until they’re filed.

Minnesota Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Minneapolis is the most expensive, at $253 a month for full coverage, followed by St. Paul at $244 and St. Cloud at $219. Rochester is the least expensive, at about $195. Across all 163 cities and towns we price, averages run from about $253 in Minneapolis to $189 in Fairmont, New Ulm, St. James and Waseca.

The table lists all 163 Minnesota cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Minnesota City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Minnesota Car Insurance Rates by County

Ramsey County is the most expensive county in our data, at about $255 a month for full coverage, followed by Hennepin County ($243) and Anoka County ($235). The least expensive are Martin, Watonwan and Waseca counties (each $189). We price 64 of Minnesota’s 87 counties.

How Much More Does Better Coverage Cost in Minnesota?

Raising liability limits from 50/100/50 to 100/300/100 adds only about $55 a year on average statewide in our data, with the same $500 deductibles. Across the six insurers, the change runs from $129 less a year (Auto-Owners) to $153 more (Allstate). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Minnesota Car Insurance Rules at a Glance

What Car Insurance Is Required in Minnesota?

Minnesota requires four types of coverage on every policy, according to the Minnesota Department of Commerce. Under Minn. Stat. 65B.49, the minimums are:

• $30,000 per person and $60,000 per crash in bodily injury liability.
• $10,000 in property damage liability.
• $40,000 in personal injury protection (PIP): $20,000 for medical expenses and $20,000 for non-medical losses such as lost wages and replacement services.
• $25,000 per person and $50,000 per crash in uninsured motorist coverage, and the same in underinsured motorist coverage.

Minnesota is a no-fault state. Your own PIP pays medical expenses, lost wages and replacement services for you and your household, within its limits, whoever caused the crash, and no-fault claims must be made within six months, according to the Commerce Department. Under Minn. Stat. 65B.51, you can sue the other driver for pain and suffering only if your medical expenses exceed $4,000 or the injury causes permanent injury, permanent disfigurement, death or disability of 60 days or more.

Driving uninsured is a misdemeanor under Minn. Stat. 169.797, with a fine of at least $200, and your license can be revoked for up to 12 months, along with the vehicle’s registration if you own it. Repeat violations within 10 years are a gross misdemeanor. You can show proof of insurance on your phone.

How to Lower Your Car Insurance Rate in Minnesota

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $147 a month apart for the same driver and car.
2. Compare Travelers and State Farm first. They have the two lowest full-coverage averages statewide in our data, about $147 and $166 a month.
3. Know what your PIP pays. Minnesota PIP replaces 85% of lost gross income, up to $500 a week, as part of its $20,000 for non-medical losses. File no-fault claims within six months of a crash.
4. Look at your uninsured and underinsured limits. Minnesota requires both, at $25,000 per person and $50,000 per crash. If you carry higher liability limits, ask what higher uninsured and underinsured limits would cost.
5. Keep comprehensive if you drive rural roads. The Commerce Department says comprehensive coverage usually includes an accident involving a deer, along with fire, theft and hail. Liability-only coverage doesn’t pay for damage to your own car.
6. Know how credit is used. Minnesota insurers can use credit information, but under Minn. Stat. 72A.20 they can’t reject, cancel or nonrenew a policy on credit alone, and a missing credit history can’t count against you.
7. Compare at every renewal. Over the past nine months, American Family has cut its statewide average 19.2% and Auto-Owners 2.8%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Minnesota home insurance rates and our home insurance guides for Minneapolis and St. Paul, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Minnesota Car Insurance Quotes

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How We Calculated Minnesota Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 1,548 full-coverage premiums from six insurers across 258 Minnesota ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Minnesota’s 30/60/10 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. The rate data doesn’t list a personal injury protection amount, so we don’t state one for these prices.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. GEICO isn’t in the November 2025 rates, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Minnesota rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Minnesota law and the Minnesota Department of Commerce. We refresh these figures when new rate data is released.

More Minnesota Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Minnesota Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 87 counties, and a hybrid is the most expensive in 85 of the 87 counties. A hybrid costs about 29% more than an SUV on average.

Minnesota Car Insurance FAQ