Minnesota Car Insurance Calculator
Numbers refreshed
Answer three questions without giving a name, email or phone. The average for Minnesota has already been set.
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What's the age of the main driver?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Minnesota averages used for this estimate
Starting with NAIC averages for Minnesota, the calculator factors in age, driving record and the car.
| 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).
Changes in the estimate
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
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