Minnesota Car Insurance Cost for 2022

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 $1,338 per year, which is 13.7% less than the U.S. average rate of $1,551. 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 $1,346 per year, the Chevrolet Silverado at $1,440, the Honda CR-V at $1,172, the Ram Truck at $1,532, and the Honda Civic at $1,328 per year.

Luxury cars and SUVs like the Volvo XC60, the Acura ILX, and the Lexus RX 350 cost an average of $1,440, $1,232, and $1,378 per year, respectively, for full-coverage car insurance.

The chart below shows average car insurance cost in Minnesota for 2022 model year vehicles. Rates range from $1,014 per year for a 60-year-old driver with high-deductible policy to $3,078 per year for a 20-year-old driver with lower deductibles. From a monthly standpoint, average cost ranges from $85 to $257 per month.

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Chart Data Details: Chart shows average Minnesota car insurance rates for 2022 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 May 19, 2022
Average Car Insurance Cost in Minnesota
Average Car Insurance Cost in Minnesota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,254$188
$500$2,654$221
$250$3,078$257
30$1,000$1,184$99
$500$1,408$117
$250$1,644$137
40$1,000$1,132$94
$500$1,338$112
$250$1,554$130
50$1,000$1,034$86
$500$1,220$102
$250$1,414$118
60$1,000$1,014$85
$500$1,196$100
$250$1,388$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 $1,228 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 $3,362 per year for a 19-year-old female driver up to $4,794 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 5.5% per year more expensive than in North Dakota, 2.9% more than South Dakota, 21.4% more than Iowa, and 29.2% 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 7th out of 12 total states and comes in at 23rd 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
Ohio$888-$450
Wisconsin$1,036-$302
Iowa$1,102-$236
Indiana$1,138-$200
Illinois$1,232-$106
North Dakota$1,268-$70
Minnesota$1,338--
South Dakota$1,378$40
Nebraska$1,456$118
Kansas$1,534$196
Missouri$1,614$276
Michigan$2,424$1,086

When compared to states outside the Midwest region, car insurance in Minnesota costs 23.4% less than California, 15.5% more than Washington, 39.9% less than Florida, 6.8% less than Texas, and 17.4% 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 2022 Toyota Camry in Minnesota costs $1,316 per year. When the same Camry is rated in other Midwest states, the annual cost in Minnesota is:

  • $296 per year more expensive than Toyota Camry insurance in Wisconsin ($1,020)
  • $104 per year more than in Illinois ($1,212)
  • $232 per year more than in Iowa ($1,084)
  • $190 per year more than in Kansas ($1,506)
  • $114 per year more than in Nebraska ($1,430)

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 2022 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 April 12, 2022
Minnesota Car Insurance Rates by Vehicle Segment
Minnesota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,250$104
Midsize Pickup$1,286$107
Minivan$1,348$112
Midsize SUV$1,354$113
Compact Car$1,378$115
Midsize Car$1,396$116
Half-ton Pickup$1,456$121
Compact Luxury SUV$1,506$126
Large SUV$1,510$126
Compact Luxury Car$1,518$127
Large Car$1,546$129
Heavy Duty Pickup$1,596$133
Midsize Luxury SUV$1,618$135
Midsize Luxury Car$1,770$148
Sports Car$1,886$157
Large Luxury SUV$2,020$168
Large Luxury Car$2,118$177

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 Chevrolet Trailblazer, Mazda CX-5, Toyota C-HR, and Nissan Rogue Sport. Average auto insurance quotes for those crossover SUVs cost $93 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 Acura RDX, Hyundai Kona, Kia Seltos, 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 $1,160 or less per year ($97 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 $1,160 per year
  • Mazda CX-5 (compact SUV) at $1,018 per year
  • Subaru Legacy (midsize car) at $1,298 per year
  • Honda Passport (midsize SUV) at $1,076 per year
  • Toyota Avalon (full-size car) at $1,408 per year
  • Chevrolet Tahoe (large SUV) at $1,344 per year
  • Chevrolet Colorado (midsize pickup) at $1,102 per year
  • Ford F150 (full-size pickup) at $1,292 per year
  • Honda Odyssey (minivan) at $1,248 per year
  • Mazda MX-5 Miata (sports car) at $1,160 per year
  • Mercedes-Benz A220 (compact luxury car) at $1,316 per year
  • Acura RDX (compact luxury SUV) at $1,146 per year
  • Acura ILX (midsize luxury car) at $1,232 per year
  • Cadillac XT5 (midsize luxury SUV) at $1,318 per year
  • Audi A5 (full-size luxury car) at $1,574 per year
  • Volvo XC90 (full-size luxury SUV) at $1,448 per year

The table below shows the 50 vehicles (all segments) with the overall cheapest car insurance in Minnesota from the 2022 model year.

Top 50 Cheapest Car Insurance Rates in Minnesota
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,018$85
2Nissan Kicks$1,044$87
3Chevrolet Trailblazer$1,050$88
4Honda Passport$1,076$90
5Subaru Crosstrek$1,076$90
6Chevrolet Colorado$1,102$92
7Buick Encore$1,104$92
8Toyota C-HR$1,106$92
9Nissan Rogue Sport$1,116$93
10Buick Envision$1,138$95
11Hyundai Venue$1,138$95
12Kia Seltos$1,140$95
13Ford Maverick$1,144$95
14Acura RDX$1,146$96
15Subaru Ascent$1,148$96
16Toyota Corolla Cross$1,148$96
17Subaru Forester$1,158$97
18Hyundai Kona$1,160$97
19Mazda MX-5 Miata$1,160$97
20Subaru Impreza$1,160$97
21Volkswagen Tiguan$1,162$97
22Chevrolet Spark$1,168$97
23Honda CR-V$1,172$98
24Cadillac XT4$1,176$98
25Mazda CX-30$1,184$99
26Ford Ranger$1,190$99
27Honda HR-V$1,204$100
28Ford Edge$1,206$101
29Ford Ecosport$1,214$101
30Chevrolet Trax$1,226$102
31Subaru Outback$1,228$102
32Acura ILX$1,232$103
33GMC Terrain$1,232$103
34Mitsubishi Eclipse Cross$1,234$103
35Nissan Murano$1,242$104
36Toyota Tacoma$1,244$104
37Hyundai Tucson$1,246$104
38Honda Odyssey$1,248$104
39Toyota Venza$1,250$104
40Chevrolet Bolt$1,252$104
41Chevrolet Equinox$1,252$104
42Volkswagen Taos$1,256$105
43Ford Explorer$1,258$105
44Fiat 500X$1,262$105
45Toyota RAV4$1,264$105
46Kia Soul$1,266$106
47Kia Sorento$1,268$106
48Nissan Frontier$1,274$106
49GMC Canyon$1,282$107
50Hyundai Palisade$1,284$107

    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 March 24, 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 $1,292 per year and ranges from $1,074 to $2,926 per year for the driver risk profiles shown in the chart below. Average cost per month for Ford F-150 insurance in Minnesota is $108.

    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 2022 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 May 19, 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$2,926$244
    Safe Driver Age 20$2,564$214
    At-fault Accidents Age 40$1,826$152
    Low Deductibles Age 40$1,668$139
    Safe Driver Age 30$1,362$114
    Safe Driver Age 40$1,292$108
    Safe Driver Age 50$1,180$98
    Safe Driver Age 60$1,156$96
    High Deductibles Age 40$1,098$92
    Discount Rate Age 40$1,074$90

    Honda Civic insurance rates

    Honda Civic car insurance rates in Minnesota range from $1,100 to $2,990 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,328 per year or $111 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 2022 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 May 19, 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$2,990$249
    Safe Driver Age 20$2,618$218
    At-fault Accidents Age 40$1,870$156
    Low Deductibles Age 40$1,706$142
    Safe Driver Age 30$1,390$116
    Safe Driver Age 40$1,328$111
    Safe Driver Age 50$1,206$101
    Safe Driver Age 60$1,182$99
    High Deductibles Age 40$1,130$94
    Discount Rate Age 40$1,100$92

    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 $1,054 to $2,878 per year for the example driver risk profiles, with average cost being $1,268 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 2022 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 May 19, 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$2,878$240
    Safe Driver Age 20$2,522$210
    At-fault Accidents Age 40$1,788$149
    Low Deductibles Age 40$1,658$138
    Safe Driver Age 30$1,338$112
    Safe Driver Age 40$1,268$106
    Safe Driver Age 50$1,156$96
    Safe Driver Age 60$1,134$95
    High Deductibles Age 40$1,066$89
    Discount Rate Age 40$1,054$88

    Chevrolet Suburban insurance rates

    Average Chevrolet Suburban insurance rates in Minnesota as shown below range from $1,150 to $3,134 per year, with the average cost being $1,386. Average cost per month for Chevy Suburban insurance in Minnesota is $116.

    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 2022 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 May 19, 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$3,134$261
    Safe Driver Age 20$2,746$229
    At-fault Accidents Age 40$1,952$163
    Low Deductibles Age 40$1,798$150
    Safe Driver Age 30$1,458$122
    Safe Driver Age 40$1,386$116
    Safe Driver Age 50$1,264$105
    Safe Driver Age 60$1,240$103
    High Deductibles Age 40$1,174$98
    Discount Rate Age 40$1,150$96

    Chevrolet Camaro insurance rates

    The average cost for Chevrolet Camaro insurance in Minnesota is $1,856 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,536 to $4,198 per year. Monthly car insurance cost for a Chevy Camaro in Minnesota averages $155.

    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 2022 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 May 19, 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$4,198$350
    Safe Driver Age 20$3,676$306
    At-fault Accidents Age 40$2,624$219
    Low Deductibles Age 40$2,382$199
    Safe Driver Age 30$1,946$162
    Safe Driver Age 40$1,856$155
    Safe Driver Age 50$1,688$141
    Safe Driver Age 60$1,656$138
    High Deductibles Age 40$1,584$132
    Discount Rate Age 40$1,536$128

    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.