Minnesota Car Insurance Cost for 2023

How much are Minnesota car insurance rates? From vehicle segments to individual models, we break down average car insurance cost in Minnesota to find the cheapest rates.

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How much are Minnesota car insurance rates?

The average cost of car insurance in Minnesota is $1,512 per year, which is 10.3% less than the U.S. average rate of $1,685. Average car insurance cost per month in Minnesota is $126 for full coverage.

Minnesota car insurance quotes for a few popular vehicles include the Toyota Highlander at an average of $1,510 per year, the Chevrolet Silverado at $1,654, the Honda CR-V at $1,280, the Ram Truck at $1,656, and the Honda Civic at $1,482 per year.

Luxury cars and SUVs like the Volvo XC60, the Acura RDX, and the Lexus RX 350 cost an average of $1,548, $1,262, and $1,356 per year, respectively, for full-coverage car insurance.

The chart below shows average car insurance cost in Minnesota for 2023 model year vehicles. Rates range from $1,144 per year for a 60-year-old driver with high-deductible policy to $3,496 per year for a 20-year-old driver with lower deductibles. From a monthly standpoint, average cost ranges from $95 to $291 per month.

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Chart Data Details: Chart shows average Minnesota car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Minnesota zip codes.Data last updated on December 29, 2022
Average Car Insurance Cost in Minnesota
Average Car Insurance Cost in Minnesota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,546$212
$500$3,008$251
$250$3,496$291
30$1,000$1,338$112
$500$1,596$133
$250$1,864$155
40$1,000$1,276$106
$500$1,512$126
$250$1,758$147
50$1,000$1,164$97
$500$1,376$115
$250$1,598$133
60$1,000$1,144$95
$500$1,352$113
$250$1,570$131

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 $398 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 $1,392 more per year.
  • Having an at-fault accident could cause your rates to increase by as much as $624 each year.
  • Average car insurance cost for teenage drivers in Minnesota ranges from $3,812 per year for a 19-year-old female driver up to $5,420 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 3.4% more expensive than in North Dakota, 16.6% less than South Dakota, 28.1% more than Iowa, and 20% 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.

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Minnesota Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Minnesota Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Iowa$1,180-$332
Ohio$1,230-$282
Wisconsin$1,260-$252
Indiana$1,318-$194
North Dakota$1,462-$50
Nebraska$1,474-$38
Minnesota$1,512--
Illinois$1,546$34
Kansas$1,738$226
South Dakota$1,812$300
Missouri$1,990$478
Michigan$2,414$902

When compared to states outside the Midwest region, car insurance in Minnesota costs 29.1% less than California, 5.3% less than Washington, 31.1% less than Florida, 7.7% less than Texas, and 26% 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 2023 Toyota Camry in Minnesota costs $1,438 per year. When the same Camry is rated in other Midwest states, the annual cost in Minnesota is:

  • $240 per year more expensive than Toyota Camry insurance in Wisconsin ($1,198)
  • $32 per year cheaper than in Illinois ($1,470)
  • $316 per year more expensive than in Iowa ($1,122)
  • $214 per year cheaper than in Kansas ($1,652)
  • $38 per year more expensive than in Nebraska ($1,400)

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.

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Chart Data Details: Average Minnesota car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Minnesota Zip Codes.Data last updated on December 30, 2022
Minnesota Car Insurance Rates by Vehicle Segment
Minnesota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,376$115
Midsize Pickup$1,428$119
Midsize SUV$1,476$123
Minivan$1,486$124
Compact Car$1,506$126
Midsize Car$1,540$128
Compact Luxury SUV$1,636$136
Half-ton Pickup$1,642$137
Large SUV$1,658$138
Compact Luxury Car$1,666$139
Heavy Duty Pickup$1,740$145
Midsize Luxury SUV$1,756$146
Large Car$1,760$147
Midsize Luxury Car$1,922$160
Sports Car$2,068$172
Large Luxury SUV$2,222$185
Large Luxury Car$2,338$195

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 Nissan Kicks, Chevrolet Trailblazer, Mazda CX-5, and Buick Envision. Average auto insurance quotes for those crossover SUVs cost $101 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 Honda HR-V, Hyundai Kona, Subaru Impreza, and Ford Maverick. 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 $1,280 or less per year ($107 per month) in Minnesota.

The vehicles with the cheapest car insurance quotes in Minnesota for each segment are listed below.

  • Subaru Impreza (compact car) at $1,254 per year
  • Chevrolet Trailblazer (compact SUV) at $1,144 per year
  • Subaru Legacy (midsize car) at $1,392 per year
  • Honda Passport (midsize SUV) at $1,178 per year
  • Chrysler 300 (full-size car) at $1,474 per year
  • Chevrolet Tahoe (large SUV) at $1,416 per year
  • Ford Maverick (midsize pickup) at $1,256 per year
  • Nissan Titan (full-size pickup) at $1,496 per year
  • Honda Odyssey (minivan) at $1,382 per year
  • Mazda MX-5 Miata (sports car) at $1,398 per year
  • Acura Integra (compact luxury car) at $1,358 per year
  • Acura RDX (compact luxury SUV) at $1,262 per year
  • Cadillac CT5 (midsize luxury car) at $1,626 per year
  • Lexus RX 350 (midsize luxury SUV) at $1,356 per year
  • Audi A5 (full-size luxury car) at $1,698 per year
  • Volvo XC90 (full-size luxury SUV) at $1,560 per year

The table below shows the 50 vehicles (all segments) with the overall cheapest car insurance in Minnesota from the 2023 model year.

Top 50 Cheapest Car Insurance Rates in Minnesota
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,144$95
2Subaru Crosstrek$1,154$96
3Nissan Kicks$1,158$97
4Honda Passport$1,178$98
5Nissan Rogue Sport$1,180$98
6Mazda CX-5$1,190$99
7Buick Encore$1,206$101
8Buick Envision$1,208$101
9Kia Seltos$1,226$102
10Subaru Ascent$1,230$103
11Hyundai Venue$1,234$103
12Subaru Impreza$1,254$105
13Ford Maverick$1,256$105
14Chevrolet Colorado$1,260$105
15Honda HR-V$1,260$105
16Acura RDX$1,262$105
17Hyundai Kona$1,268$106
18Subaru Forester$1,276$106
19Ford Edge$1,280$107
20Honda CR-V$1,280$107
21Mazda CX-30$1,286$107
22Ford Explorer$1,288$107
23Volkswagen Atlas$1,290$108
24Nissan Murano$1,300$108
25Subaru Outback$1,300$108
26Chevrolet Trax$1,302$109
27Nissan Frontier$1,306$109
28Volkswagen Tiguan$1,312$109
29Ford Bronco Sport$1,316$110
30Fiat 500X$1,340$112
31Ford Ranger$1,342$112
32GMC Terrain$1,344$112
33Kia Soul$1,348$112
34Mitsubishi Eclipse Cross$1,348$112
35Volkswagen Atlas Cross Sport$1,350$113
36Lexus RX 350$1,356$113
37Acura Integra$1,358$113
38Chevrolet Equinox$1,360$113
39Cadillac XT4$1,364$114
40Toyota Corolla Cross$1,366$114
41Volkswagen Taos$1,370$114
42GMC Canyon$1,372$114
43Toyota Venza$1,378$115
44Mazda CX-50$1,380$115
45Honda Odyssey$1,382$115
46Hyundai Tucson$1,382$115
47Toyota Tacoma$1,382$115
48Volkswagen Jetta$1,382$115
49Ford Escape$1,386$116
50Kia Sorento$1,386$116

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Minnesota.Data last updated on December 30, 2022
    Top 50 Cheapest Car Insurance Rates in Minnesota

    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 $1,538 per year and ranges from $1,276 to $3,468 per year for the driver risk profiles shown in the chart below. Average cost per month for Ford F-150 insurance in Minnesota is $128.

    Other popular full-size half-ton models include the Chevrolet Silverado, Toyota Tundra, GMC Sierra, Nissan Titan, and Ram Truck.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Minnesota includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
    Ford F150 Insurance Cost in Minnesota
    Ford F150 Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,468$289
    Safe Driver Age 20$3,040$253
    At-fault Accidents Age 40$2,160$180
    Low Deductibles Age 40$2,002$167
    Safe Driver Age 30$1,622$135
    Safe Driver Age 40$1,538$128
    Safe Driver Age 50$1,400$117
    Safe Driver Age 60$1,370$114
    High Deductibles Age 40$1,298$108
    Discount Rate Age 40$1,276$106

    Honda Civic insurance rates

    Honda Civic car insurance rates in Minnesota range from $1,232 to $3,340 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,482 per year or $124 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Minnesota includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
    Honda Civic Insurance Cost in Minnesota
    Honda Civic Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,340$278
    Safe Driver Age 20$2,930$244
    At-fault Accidents Age 40$2,086$174
    Low Deductibles Age 40$1,910$159
    Safe Driver Age 30$1,556$130
    Safe Driver Age 40$1,482$124
    Safe Driver Age 50$1,346$112
    Safe Driver Age 60$1,322$110
    High Deductibles Age 40$1,260$105
    Discount Rate Age 40$1,232$103

    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 $1,152 to $3,156 per year for the example driver risk profiles, with average cost being $1,386 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Minnesota includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
    Kia Sorento Insurance Cost in Minnesota
    Kia Sorento Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,156$263
    Safe Driver Age 20$2,762$230
    At-fault Accidents Age 40$1,956$163
    Low Deductibles Age 40$1,816$151
    Safe Driver Age 30$1,466$122
    Safe Driver Age 40$1,386$116
    Safe Driver Age 50$1,264$105
    Safe Driver Age 60$1,242$104
    High Deductibles Age 40$1,166$97
    Discount Rate Age 40$1,152$96

    Chevrolet Suburban insurance rates

    Average Chevrolet Suburban insurance rates in Minnesota as shown below range from $1,244 to $3,392 per year, with the average cost being $1,498. Average cost per month for Chevy Suburban insurance in Minnesota is $125.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Chevrolet Suburban with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Suburban car insurance cost in Minnesota includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
    Chevrolet Suburban Insurance Cost in Minnesota
    Chevrolet Suburban Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,392$283
    Safe Driver Age 20$2,974$248
    At-fault Accidents Age 40$2,112$176
    Low Deductibles Age 40$1,944$162
    Safe Driver Age 30$1,578$132
    Safe Driver Age 40$1,498$125
    Safe Driver Age 50$1,364$114
    Safe Driver Age 60$1,338$112
    High Deductibles Age 40$1,270$106
    Discount Rate Age 40$1,244$104

    Chevrolet Camaro insurance rates

    The average cost for Chevrolet Camaro insurance in Minnesota is $1,980 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,644 to $4,478 per year. Monthly car insurance cost for a Chevy Camaro in Minnesota averages $165.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Chevrolet Camaro with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Camaro car insurance cost in Minnesota includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
    Chevrolet Camaro Insurance Cost in Minnesota
    Chevrolet Camaro Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,478$373
    Safe Driver Age 20$3,922$327
    At-fault Accidents Age 40$2,794$233
    Low Deductibles Age 40$2,552$213
    Safe Driver Age 30$2,080$173
    Safe Driver Age 40$1,980$165
    Safe Driver Age 50$1,804$150
    Safe Driver Age 60$1,768$147
    High Deductibles Age 40$1,684$140
    Discount Rate Age 40$1,644$137

    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.