- Average car insurance cost in Minnesota is $2,228 per year, which is 0.3% more than the national average rate of $2,221.
- When compared to other Midwest states, Minnesota ranks seventh out of 12 states for car insurance cost and 17th out of all 50 U.S. states.
- The vehicle segment with the cheapest car insurance in Minnesota is the compact SUV segment, with average car insurance rates of $2,044 per year.
How much are Minnesota car insurance rates?
The average cost of car insurance in Minnesota is $2,228 per year, which is 0.3% more than the U.S. average rate of $2,221. Average car insurance cost per month in Minnesota is $186 for full coverage.
Minnesota car insurance quotes for a few popular vehicles include the Toyota Highlander at an average of $2,028 per year, the Chevrolet Silverado at $2,466, the Honda CR-V at $1,898, the Ram Truck at $2,574, and the Honda Civic at $1,972 per year.
Luxury cars and SUVs like the Volvo XC60, the Acura RDX, and the Lexus RX 350 cost an average of $2,254, $1,862, and $2,236 per year, respectively, for full-coverage car insurance.
The chart below shows average car insurance cost in Minnesota for 2024 model year vehicles. Rates range from $1,562 per year for a 60-year-old driver with high-deductible policy to $5,212 per year for a 20-year-old driver with lower deductibles. From a monthly standpoint, average cost ranges from $130 to $434 per month.
The list below details some additional potential rate increases due to traffic violations and accidents along with the average cost to insure a teenager.
- Receiving minor traffic citations could increase the annual cost of car insurance in Minnesota by $594 for a 40-year-old driver.
- A 40-year-old driver with a DWI/DUI, fleeing an accident, or other major driving conviction could pay as much as $2,068 more per year.
- Having an at-fault accident could cause your rates to increase by as much as $924 each year.
- Average car insurance cost for teenage drivers in Minnesota ranges from $5,303 per year for a 19-year-old female driver up to $7,935 per year for a 16-year-old male driver.
Is car insurance expensive in Minnesota?
When average car insurance rates are compared to surrounding states, the cost in Minnesota is 2.5% more expensive than in North Dakota, 12.5% less than South Dakota, 16% more than Iowa, and 11.9% more than Wisconsin.
The chart below shows average Minnesota car insurance quotes compared to the other 11 states in the U.S. Midwest. Minnesota ranks seventh out of 12 total states and comes in at 17th when compared to all 50 U.S. states.
When compared to states outside the Midwest region, car insurance in Minnesota costs 24.2% less than California, 3.4% less than Washington, 21.1% less than Florida, 5.3% less than Texas, and 21% less than New York.
Here’s a quick example that shows the annual difference in car insurance cost between Minnesota and some of the other Midwest states using a specific vehicle instead of the overall average.
Average car insurance on a 2024 Toyota Camry in Minnesota costs $2,394 per year. When the same Camry is rated in other Midwest states, the annual cost in Minnesota is:
- $268 per year more expensive than Toyota Camry insurance in Wisconsin ($2,126)
- $34 per year cheaper than in Illinois ($2,428)
- $354 per year more expensive than in Iowa ($2,040)
- $236 per year cheaper than in Kansas ($2,630)
- $44 per year more expensive than in Nebraska ($2,350)
Average Minnesota car insurance rates by vehicle segment
The next chart shows average car insurance cost in Minnesota for the different vehicle segments like compact SUVs, midsize cars, etc. The cheapest car insurance rates are generally found on the compact SUV, midsize pickup, minivan, and compact car segments. The most expensive rates tend to be found on luxury models and sports cars.
Which vehicles have cheap Minnesota car insurance rates?
When all vehicles are compared, the models with the lowest cost average insurance prices in Minnesota, tend to be small SUVs like the Kia Soul, Subaru Crosstrek, Buick Envision, and Hyundai Venue. Average auto insurance quotes for those crossover SUVs cost $151 or less per month to get full coverage.
A few other vehicles that rank in the top 20 in the cost comparison table below are the Buick Encore, Buick Envista, Acura RDX, and Nissan Murano. The average insurance cost is a little higher for those models than the cheapest compact SUVs at the top of the list, but they still have average rates of $1,938 or less per year ($162 per month) in Minnesota.
The vehicles with the cheapest car insurance quotes in Minnesota for each segment are listed below.
- Toyota GR Corolla (compact car) at $1,936 per year
- Subaru Crosstrek (compact SUV) at $1,646 per year
- Kia K5 (midsize car) at $2,144 per year
- Honda Passport (midsize SUV) at $1,774 per year
- Chrysler 300 (full-size car) at $2,120 per year
- Chevrolet Tahoe (large SUV) at $2,092 per year
- Chevrolet Colorado (midsize pickup) at $1,960 per year
- Nissan Titan (full-size pickup) at $2,084 per year
- Honda Odyssey (minivan) at $2,034 per year
- Mazda MX-5 Miata (sports car) at $2,062 per year
- Acura Integra (compact luxury car) at $1,980 per year
- Acura RDX (compact luxury SUV) at $1,862 per year
- Mercedes-Benz CLA250 (midsize luxury car) at $2,292 per year
- Jaguar E-Pace (midsize luxury SUV) at $2,082 per year
- Audi A5 (full-size luxury car) at $2,646 per year
- Infiniti QX80 (full-size luxury SUV) at $2,496 per year
The table below shows the 50 vehicles (all segments) with the overall cheapest car insurance in Minnesota from the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,646 | $137 |
| 2 | Chevrolet Trailblazer | $1,674 | $140 |
| 3 | Kia Soul | $1,740 | $145 |
| 4 | Nissan Kicks | $1,754 | $146 |
| 5 | Honda Passport | $1,774 | $148 |
| 6 | Buick Envision | $1,784 | $149 |
| 7 | Toyota Corolla Cross | $1,794 | $150 |
| 8 | Hyundai Venue | $1,810 | $151 |
| 9 | Mazda CX-5 | $1,816 | $151 |
| 10 | Ford Bronco Sport | $1,824 | $152 |
| 11 | Volkswagen Tiguan | $1,844 | $154 |
| 12 | Acura RDX | $1,862 | $155 |
| 13 | Nissan Murano | $1,872 | $156 |
| 14 | Buick Encore | $1,892 | $158 |
| 15 | Honda CR-V | $1,898 | $158 |
| 16 | Subaru Outback | $1,898 | $158 |
| 17 | Buick Envista | $1,902 | $159 |
| 18 | Volkswagen Taos | $1,908 | $159 |
| 19 | Kia Niro | $1,918 | $160 |
| 20 | Toyota GR Corolla | $1,936 | $161 |
| 21 | Honda HR-V | $1,938 | $162 |
| 22 | Subaru Ascent | $1,938 | $162 |
| 23 | Nissan Leaf | $1,950 | $163 |
| 24 | Chevrolet Colorado | $1,960 | $163 |
| 25 | Lexus NX 250 | $1,970 | $164 |
| 26 | Honda Civic | $1,972 | $164 |
| 27 | Volkswagen Atlas | $1,974 | $165 |
| 28 | Acura Integra | $1,980 | $165 |
| 29 | Subaru Forester | $1,982 | $165 |
| 30 | Volkswagen Atlas Cross Sport | $1,984 | $165 |
| 31 | Kia Seltos | $1,988 | $166 |
| 32 | GMC Terrain | $1,994 | $166 |
| 33 | Nissan Rogue | $2,002 | $167 |
| 34 | Hyundai Kona | $2,004 | $167 |
| 35 | Mazda CX-30 | $2,008 | $167 |
| 36 | Cadillac XT4 | $2,010 | $168 |
| 37 | Volkswagen ID4 | $2,020 | $168 |
| 38 | Ford Explorer | $2,022 | $169 |
| 39 | Toyota Highlander | $2,028 | $169 |
| 40 | Ford Escape | $2,032 | $169 |
| 41 | Toyota Venza | $2,032 | $169 |
| 42 | Honda Odyssey | $2,034 | $170 |
| 43 | Nissan Sentra | $2,042 | $170 |
| 44 | Subaru Impreza | $2,046 | $171 |
| 45 | Chevrolet Equinox | $2,050 | $171 |
| 46 | Toyota RAV4 | $2,054 | $171 |
| 47 | Mazda MX-5 Miata | $2,062 | $172 |
| 48 | Mazda MX-30 | $2,066 | $172 |
| 49 | Hyundai Tucson | $2,070 | $173 |
| 50 | Chevrolet Traverse | $2,078 | $173 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Minnesota Zip Codes. Updated June 26, 2025
Minnesota car insurance rates for popular vehicles
The charts below go into more detail about average car insurance rates for five of the most popular vehicles in Minnesota. We break down rates by driver age and risk profile for the Ford F150, Honda Civic, Kia Sorento, Chevrolet Suburban, and Chevrolet Camaro.
Ford F150 insurance rates
Ford F150 insurance in Minnesota costs an average of $2,490 per year and ranges from $2,066 to $5,756 per year for the driver risk profiles shown in the chart below. Average cost per month for Ford F-150 insurance in Minnesota is $208.
Other popular full-size half-ton models include the Chevrolet Silverado, Toyota Tundra, GMC Sierra, Nissan Titan, and Ram Truck.
Honda Civic insurance rates
Honda Civic car insurance rates in Minnesota range from $1,642 to $4,474 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,972 per year or $164 per month in Minnesota.
The Honda Civic belongs to the compact car segment, and other popular models include the Chevrolet Cruze, Hyundai Elantra, Nissan Sentra, Toyota Corolla, and Volkswagen Jetta.
Kia Sorento insurance rates
Average Kia Sorento insurance rates in Minnesota are shown below for different driver ages and risk profiles. Annual cost ranges from $1,756 to $4,854 per year for the example driver risk profiles, with average cost being $2,114 per year.
The Kia Sorento is a midsize SUV and other similar models include the Jeep Grand Cherokee, Toyota Highlander, Honda Pilot, Kia Telluride, and Ford Explorer.
Chevrolet Suburban insurance rates
Average Chevrolet Suburban insurance rates in Minnesota as shown below range from $1,834 to $5,062 per year, with the average cost being $2,208. Average cost per month for Chevy Suburban insurance in Minnesota is $184.
The Chevrolet Suburban is considered a large SUV, and other models in this segment include the Ford Expedition, Chevrolet Tahoe, Toyota Sequoia, and GMC Yukon.
Chevrolet Camaro insurance rates
The average cost for Chevrolet Camaro insurance in Minnesota is $2,894 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,398 to $6,648 per year. Monthly car insurance cost for a Chevy Camaro in Minnesota averages $241.
The Chevrolet Camaro is a sports car and other vehicles in this segment include the Toyota Supra, Ford Mustang, Nissan 370Z, Subaru BRZ, and Chevrolet Corvette.
Average rates for Minnesota cities
Average annual and monthly car insurance rates are shown below for some of the larger cities in Minnesota. Click to visit any page for detailed rates, including the cheapest cars, pickup trucks, and SUVs to insure in each city.
- Minneapolis Car Insurance - $2,496 per year or $208 per month
- St. Paul Car Insurance - $2,504 per year or $209 per month
- Rochester Car Insurance - $2,092 per year or $174 per month
- Duluth Car Insurance - $2,166 per year or $181 per month
- Bloomington Car Insurance - $2,230 per year or $186 per month
- Brooklyn Park Car Insurance - $2,344 per year or $195 per month
- Plymouth Car Insurance - $2,196 per year or $183 per month