Average Car Insurance Cost in Minnesota
Numbers refreshed
NAIC reports Minnesota averages for each coverage type, and the national rank.
- $1,373.That's the yearly average for full coverage.
- 30/60/10.The minimum liability limits.
- 31st out of 51.Most expensive state (1st = highest).
Minnesota average cost by coverage
In Minnesota, full coverage runs $1,373 a year on average. The US average is $1,613 a year, so that figure sits 15% below it.
Per insured car, average spending rose from $1,103 in 2023 to $1,232 in 2024, an 11.6% increase.
| Coverage in Minnesota | Per year | Per month |
|---|---|---|
| Liability | $586 | $49 |
| Collision | $398 | $33 |
| Comprehensive | $388 | $32 |
| Full coverage (all three) | $1,373 | $114 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Minnesota compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Alabama | 28th | $1,388 | $116 |
| Illinois | 29th | $1,383 | $115 |
| Oregon | 30th | $1,375 | $115 |
| Minnesota | 31st | $1,373 | $114 |
| West Virginia | 32nd | $1,367 | $114 |
| Virginia | 33rd | $1,358 | $113 |
| Tennessee | 34th | $1,354 | $113 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your personal number
Averages include all ages and records. The Minnesota calculator adjusts for your age and record.
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