Minnesota Car Insurance Cost for 2021

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.

Start QuoteCompare Minnesota car insurance rates and save on your next policy.

How much are Minnesota car insurance rates?

The average cost of car insurance in Minnesota is $1,346 per year, which is 11.6% less than the U.S. average rate of $1,523. Average car insurance cost per month in Minnesota is $112 for full coverage.

Minnesota car insurance quotes for a few popular vehicles include the Toyota Highlander at an average of $1,344 per year, the Chevrolet Silverado at $1,402, the Honda CR-V at $1,010, the Ram Truck at $1,464, and the Honda Civic at $1,264 per year.

Luxury cars and SUVs like the Volvo XC60, the Acura ILX, and the Lexus RX 350 cost an average of $1,286, $1,258, and $1,360 per year, respectively, for full-coverage car insurance.

The chart below shows average car insurance cost in Minnesota for 2021 model year vehicles. Rates range from $1,018 per year for a 60-year-old driver with high-deductible policy to $3,102 per year for a 20-year-old driver with lower deductibles. From a monthly standpoint, average cost ranges from $85 to $259 per month.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Minnesota car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Minnesota zip codes.
Average Car Insurance Cost in Minnesota
Average Car Insurance Cost in Minnesota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,268$189
$500$2,674$223
$250$3,102$259
30$1,000$1,190$99
$500$1,418$118
$250$1,654$138
40$1,000$1,138$95
$500$1,346$112
$250$1,564$130
50$1,000$1,036$86
$500$1,224$102
$250$1,420$118
60$1,000$1,018$85
$500$1,202$100
$250$1,394$116

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 $352 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 $1,234 more per year.
  • Having an at-fault accident could cause your rates to increase by as much as $550 each year.
  • Average car insurance cost for teenage drivers in Minnesota ranges from $3,386 per year for a 19-year-old female driver up to $4,824 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 15.2% per year more expensive than in North Dakota, 7.3% more than South Dakota, 34.3% more than Iowa, and 21.9% more than Wisconsin.

The only state in the Midwest that has higher car insurance rates than Minnesota is Michigan, which has notoriously high rates at an average cost of $2,720 per year. Minnesota car insurance costs 50.5% less than Michigan on average.

The chart below shows average Minnesota car insurance quotes compared to the other 11 states in the U.S. Midwest. Minnesota ranks 11th out of 12 total states, with only Michigan having more expensive average car insurance rates.

Get Rates in Your AreaWhy is this important?

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$1,002-$344
Ohio$1,024-$322
Illinois$1,078-$268
Indiana$1,102-$244
Wisconsin$1,104-$242
North Dakota$1,168-$178
Nebraska$1,200-$146
South Dakota$1,254-$92
Kansas$1,318-$28
Missouri$1,332-$14
Minnesota$1,346--
Michigan$2,720$1,374

When compared to states outside the Midwest region, car insurance in Minnesota costs 19.7% less than California, 12.5% more than Washington, 34.2% less than Florida, 8.6% less than Texas, and 20% 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 2021 Toyota Camry in Minnesota costs $1,344 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 ($1,106)
  • $266 per year more than in Illinois ($1,078)
  • $342 per year more than in Iowa ($1,002)
  • $28 per year more than in Kansas ($1,316)
  • $146 per year more than in Nebraska ($1,198)

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Minnesota car insurance cost by segment is based on 2021 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.
Minnesota Car Insurance Rates by Vehicle Segment
Minnesota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,212$101
Midsize Truck$1,222$102
Large Van$1,228$102
Midsize Minivan$1,248$104
Midsize SUV$1,310$109
Midsize Van$1,322$110
Small Car$1,350$113
Large Truck$1,362$114
Midsize Car$1,376$115
Large SUV$1,392$116
Small Luxury SUV$1,412$118
Large Car$1,464$122
Heavy Duty Truck$1,514$126
Midsize Luxury SUV$1,516$126
Small Luxury Car$1,564$130
Midsize Luxury Car$1,782$149
Large Luxury SUV$1,814$151
Sports Car$1,964$164
Large Luxury Car$2,078$173
Exotic Car$2,764$230

Which vehicles have cheap Minnesota car insurance rates?

The top five specific vehicles that tend to have the cheapest car insurance in Minnesota are the Subaru Forester, Honda CR-V, Ram Promaster City van, Mazda CX-3, and Toyota C-HR.

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

The table below shows the 50 vehicles (all segments) with the overall cheapest car insurance in Minnesota from the 2021 model year.

Top 50 Cheapest Car Insurance Rates in Minnesota
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$998$83
2Honda CR-V$1,010$84
3Ram Promaster City$1,052$88
4Mazda CX-3$1,060$88
5Toyota C-HR$1,066$89
6Kia Sportage$1,068$89
7Ford Edge$1,070$89
8Volkswagen Golf$1,072$89
9Mazda CX-5$1,082$90
10Subaru Crosstrek$1,096$91
11Chevrolet Spark$1,106$92
12Volvo XC40$1,108$92
13Hyundai Venue$1,116$93
14Volkswagen Atlas$1,124$94
15Kia Soul$1,130$94
16Hyundai Kona$1,132$94
17Subaru Impreza$1,132$94
18Kia Telluride$1,134$95
19Toyota Tacoma$1,134$95
20Chevrolet Blazer$1,138$95
21Jeep Compass$1,140$95
22Kia Sedona$1,140$95
23Subaru Outback$1,140$95
24Honda Passport$1,144$95
25Kia Rio5$1,144$95
26Mazda CX-30$1,144$95
27Nissan Kicks$1,144$95
28Chevrolet Colorado$1,146$96
29Mitsubishi Eclipse Cross$1,146$96
30Subaru Ascent$1,146$96
31Ford Escape$1,148$96
32Hyundai Tucson$1,152$96
33Acura RDX$1,160$97
34Honda Pilot$1,160$97
35Nissan Frontier$1,160$97
36Volkswagen Tiguan$1,160$97
37Toyota Corolla$1,166$97
38Ford Ecosport$1,168$97
39Buick Envision$1,172$98
40Kia Seltos$1,178$98
41Nissan Rogue Sport$1,186$99
42Chevrolet Trailblazer$1,192$99
43Chevrolet Trax$1,192$99
44Cadillac XT4$1,198$100
45Buick Encore$1,202$100
46Chevrolet Express$1,208$101
47Jeep Renegade$1,210$101
48Nissan Rogue$1,212$101
49Chevrolet Equinox$1,216$101
50Nissan Murano$1,216$101

    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.
    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 $1,282 per year and ranges from $1,066 to $2,908 per year for the driver risk profiles shown in the chart below. Average cost per month for Ford F-150 insurance in Minnesota is $107.

    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 2021 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.
    Ford F150 Insurance Cost in Minnesota
    Ford F150 Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,908$242
    Safe Driver Age 20$2,554$213
    At-fault Accidents Age 40$1,814$151
    Low Deductibles Age 40$1,658$138
    Safe Driver Age 30$1,350$113
    Safe Driver Age 40$1,282$107
    Safe Driver Age 50$1,168$97
    Safe Driver Age 60$1,146$96
    High Deductibles Age 40$1,088$91
    Discount Rate Age 40$1,066$89

    Honda Civic insurance rates

    Honda Civic car insurance rates in Minnesota range from $1,050 to $2,862 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,264 per year or $105 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 2021 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.
    Honda Civic Insurance Cost in Minnesota
    Honda Civic Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,862$239
    Safe Driver Age 20$2,506$209
    At-fault Accidents Age 40$1,780$148
    Low Deductibles Age 40$1,640$137
    Safe Driver Age 30$1,326$111
    Safe Driver Age 40$1,264$105
    Safe Driver Age 50$1,150$96
    Safe Driver Age 60$1,130$94
    High Deductibles Age 40$1,068$89
    Discount Rate Age 40$1,050$88

    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 $1,080 to $2,948 per year for the example driver risk profiles, with average cost being $1,296 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 2021 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.
    Kia Sorento Insurance Cost in Minnesota
    Kia Sorento Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,948$246
    Safe Driver Age 20$2,582$215
    At-fault Accidents Age 40$1,838$153
    Low Deductibles Age 40$1,674$140
    Safe Driver Age 30$1,364$114
    Safe Driver Age 40$1,296$108
    Safe Driver Age 50$1,184$99
    Safe Driver Age 60$1,164$97
    High Deductibles Age 40$1,102$92
    Discount Rate Age 40$1,080$90

    Chevrolet Suburban insurance rates

    Average Chevrolet Suburban insurance rates in Minnesota as shown below range from $1,210 to $3,322 per year, with the average cost being $1,462. Average cost per month for Chevy Suburban insurance in Minnesota is $122.

    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 2021 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.
    Chevrolet Suburban Insurance Cost in Minnesota
    Chevrolet Suburban Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,322$277
    Safe Driver Age 20$2,910$243
    At-fault Accidents Age 40$2,068$172
    Low Deductibles Age 40$1,882$157
    Safe Driver Age 30$1,534$128
    Safe Driver Age 40$1,462$122
    Safe Driver Age 50$1,332$111
    Safe Driver Age 60$1,306$109
    High Deductibles Age 40$1,246$104
    Discount Rate Age 40$1,210$101

    Chevrolet Camaro insurance rates

    The average cost for Chevrolet Camaro insurance in Minnesota is $1,782 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,474 to $4,058 per year. Monthly car insurance cost for a Chevy Camaro in Minnesota averages $149.

    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 2021 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.
    Chevrolet Camaro Insurance Cost in Minnesota
    Chevrolet Camaro Insurance Cost in Minnesota
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,058$338
    Safe Driver Age 20$3,554$296
    At-fault Accidents Age 40$2,532$211
    Low Deductibles Age 40$2,280$190
    Safe Driver Age 30$1,864$155
    Safe Driver Age 40$1,782$149
    Safe Driver Age 50$1,624$135
    Safe Driver Age 60$1,594$133
    High Deductibles Age 40$1,524$127
    Discount Rate Age 40$1,474$123

    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.