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 $1,552 per year, which is 10.7% less than the U.S. average rate of $1,728. Average car insurance cost per month in Minnesota is $129 for full coverage.

Minnesota car insurance quotes for a few popular vehicles include the Toyota Highlander at an average of $1,550 per year, the Chevrolet Silverado at $1,700, the Honda CR-V at $1,316, the Ram Truck at $1,696, and the Honda Civic at $1,518 per year.

Luxury cars and SUVs like the Volvo XC60, the Acura RDX, and the Lexus RX 350 cost an average of $1,586, $1,292, and $1,390 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 $1,174 per year for a 60-year-old driver with high-deductible policy to $3,586 per year for a 20-year-old driver with lower deductibles. From a monthly standpoint, average cost ranges from $98 to $299 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 August 12, 2023
Average Car Insurance Cost in Minnesota
Average Car Insurance Cost in Minnesota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,614$218
$500$3,086$257
$250$3,586$299
30$1,000$1,372$114
$500$1,636$136
$250$1,912$159
40$1,000$1,310$109
$500$1,552$129
$250$1,806$151
50$1,000$1,196$100
$500$1,414$118
$250$1,642$137
60$1,000$1,174$98
$500$1,388$116
$250$1,612$134

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 $408 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 $1,428 more per year.
  • Having an at-fault accident could cause your rates to increase by as much as $638 each year.
  • Average car insurance cost for teenage drivers in Minnesota ranges from $3,908 per year for a 19-year-old female driver up to $5,558 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, 17.6% less than South Dakota, 24.1% more than Iowa, and 17.8% 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$1,218-$334
Ohio$1,268-$284
Wisconsin$1,298-$254
Indiana$1,356-$196
North Dakota$1,500-$52
Nebraska$1,512-$40
Minnesota$1,552--
Illinois$1,586$34
Kansas$1,776$224
South Dakota$1,852$300
Missouri$2,030$478
Michigan$2,438$886

When compared to states outside the Midwest region, car insurance in Minnesota costs 33.3% less than California, 4.9% less than Washington, 35.7% less than Florida, 7.7% less than Texas, and 29.3% 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 $1,474 per year. When the same Camry is rated in other Midwest states, the annual cost in Minnesota is:

  • $238 per year more expensive than Toyota Camry insurance in Wisconsin ($1,236)
  • $32 per year cheaper than in Illinois ($1,506)
  • $318 per year more expensive than in Iowa ($1,156)
  • $214 per year cheaper than in Kansas ($1,688)
  • $38 per year more expensive than in Nebraska ($1,436)

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 August 12, 2023
Minnesota Car Insurance Rates by Vehicle Segment
Minnesota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,412$118
Midsize Pickup$1,466$122
Midsize SUV$1,514$126
Minivan$1,520$127
Compact Car$1,546$129
Midsize Car$1,582$132
Compact Luxury SUV$1,678$140
Half-ton Pickup$1,684$140
Large SUV$1,698$142
Compact Luxury Car$1,708$142
Heavy Duty Pickup$1,784$149
Large Car$1,802$150
Midsize Luxury SUV$1,802$150
Midsize Luxury Car$1,970$164
Sports Car$2,122$177
Large Luxury SUV$2,280$190
Large Luxury Car$2,398$200

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 $103 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 $1,316 or less per year ($110 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 $1,282 per year
  • Chevrolet Trailblazer (compact SUV) at $1,176 per year
  • Subaru Legacy (midsize car) at $1,428 per year
  • Honda Passport (midsize SUV) at $1,206 per year
  • Chrysler 300 (full-size car) at $1,514 per year
  • Chevrolet Tahoe (large SUV) at $1,454 per year
  • Ford Maverick (midsize pickup) at $1,288 per year
  • Nissan Titan (full-size pickup) at $1,536 per year
  • Honda Odyssey (minivan) at $1,418 per year
  • Mazda MX-5 Miata (sports car) at $1,434 per year
  • Acura Integra (compact luxury car) at $1,394 per year
  • Acura RDX (compact luxury SUV) at $1,292 per year
  • Cadillac CT5 (midsize luxury car) at $1,670 per year
  • Lexus RX 350 (midsize luxury SUV) at $1,390 per year
  • Audi A5 (full-size luxury car) at $1,740 per year
  • Volvo XC90 (full-size luxury SUV) at $1,600 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$1,176$98
2Subaru Crosstrek$1,182$99
3Nissan Kicks$1,190$99
4Honda Passport$1,206$101
5Nissan Rogue Sport$1,210$101
6Mazda CX-5$1,220$102
7Buick Encore$1,236$103
8Buick Envision$1,238$103
9Kia Seltos$1,256$105
10Subaru Ascent$1,262$105
11Hyundai Venue$1,268$106
12Subaru Impreza$1,282$107
13Ford Maverick$1,288$107
14Chevrolet Colorado$1,290$108
15Honda HR-V$1,290$108
16Acura RDX$1,292$108
17Hyundai Kona$1,300$108
18Subaru Forester$1,310$109
19Ford Edge$1,314$110
20Honda CR-V$1,316$110
21Mazda CX-30$1,318$110
22Ford Explorer$1,320$110
23Volkswagen Atlas$1,324$110
24Chevrolet Trax$1,332$111
25Nissan Murano$1,334$111
26Subaru Outback$1,334$111
27Nissan Frontier$1,342$112
28Volkswagen Tiguan$1,346$112
29Ford Bronco Sport$1,352$113
30Fiat 500X$1,376$115
31Ford Ranger$1,378$115
32GMC Terrain$1,380$115
33Kia Soul$1,380$115
34Mitsubishi Eclipse Cross$1,384$115
35Volkswagen Atlas Cross Sport$1,386$116
36Lexus RX 350$1,390$116
37Acura Integra$1,394$116
38Chevrolet Equinox$1,396$116
39Cadillac XT4$1,400$117
40Toyota Corolla Cross$1,400$117
41Volkswagen Taos$1,406$117
42GMC Canyon$1,408$117
43Toyota Venza$1,414$118
44Mazda CX-50$1,416$118
45Volkswagen Jetta$1,416$118
46Honda Odyssey$1,418$118
47Toyota Tacoma$1,418$118
48Hyundai Tucson$1,420$118
49Ford Escape$1,422$119
50Kia Sorento$1,424$119

    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 August 11, 2023
    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 $1,576 per year and ranges from $1,308 to $3,554 per year for the driver risk profiles shown in the chart below. Average cost per month for Ford F-150 insurance in Minnesota is $131.

    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 August 12, 2023
    Ford F150 Insurance Cost in Minnesota
    2023 Ford F150 Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,554$296
    Safe Driver Age 20$3,118$260
    At-fault Accidents Age 40$2,218$185
    Low Deductibles Age 40$2,052$171
    Safe Driver Age 30$1,660$138
    Safe Driver Age 40$1,576$131
    Safe Driver Age 50$1,434$120
    Safe Driver Age 60$1,408$117
    High Deductibles Age 40$1,330$111
    Discount Rate Age 40$1,308$109

    Honda Civic insurance rates

    Honda Civic car insurance rates in Minnesota range from $1,260 to $3,430 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,518 per year or $127 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 August 12, 2023
    Honda Civic Insurance Cost in Minnesota
    2023 Honda Civic Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,430$286
    Safe Driver Age 20$3,004$250
    At-fault Accidents Age 40$2,140$178
    Low Deductibles Age 40$1,958$163
    Safe Driver Age 30$1,594$133
    Safe Driver Age 40$1,518$127
    Safe Driver Age 50$1,382$115
    Safe Driver Age 60$1,358$113
    High Deductibles Age 40$1,292$108
    Discount Rate Age 40$1,260$105

    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 $1,180 to $3,232 per year for the example driver risk profiles, with average cost being $1,424 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 August 12, 2023
    Kia Sorento Insurance Cost in Minnesota
    2023 Kia Sorento Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,232$269
    Safe Driver Age 20$2,832$236
    At-fault Accidents Age 40$2,004$167
    Low Deductibles Age 40$1,864$155
    Safe Driver Age 30$1,500$125
    Safe Driver Age 40$1,424$119
    Safe Driver Age 50$1,298$108
    Safe Driver Age 60$1,274$106
    High Deductibles Age 40$1,198$100
    Discount Rate Age 40$1,180$98

    Chevrolet Suburban insurance rates

    Average Chevrolet Suburban insurance rates in Minnesota as shown below range from $1,276 to $3,480 per year, with the average cost being $1,540. Average cost per month for Chevy Suburban insurance in Minnesota is $128.

    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 August 12, 2023
    Chevrolet Suburban Insurance Cost in Minnesota
    2023 Chevrolet Suburban Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,480$290
    Safe Driver Age 20$3,048$254
    At-fault Accidents Age 40$2,168$181
    Low Deductibles Age 40$1,996$166
    Safe Driver Age 30$1,616$135
    Safe Driver Age 40$1,540$128
    Safe Driver Age 50$1,400$117
    Safe Driver Age 60$1,374$115
    High Deductibles Age 40$1,302$109
    Discount Rate Age 40$1,276$106

    Chevrolet Camaro insurance rates

    The average cost for Chevrolet Camaro insurance in Minnesota is $2,032 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,684 to $4,592 per year. Monthly car insurance cost for a Chevy Camaro in Minnesota averages $169.

    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 August 11, 2023
    Chevrolet Camaro Insurance Cost in Minnesota
    2023 Chevrolet Camaro Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,592$383
    Safe Driver Age 20$4,022$335
    At-fault Accidents Age 40$2,862$239
    Low Deductibles Age 40$2,616$218
    Safe Driver Age 30$2,132$178
    Safe Driver Age 40$2,032$169
    Safe Driver Age 50$1,850$154
    Safe Driver Age 60$1,814$151
    High Deductibles Age 40$1,728$144
    Discount Rate Age 40$1,684$140

    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.