Full Coverage Car Insurance in Minnesota
The numbers here were updated on
Using Minnesota averages, the pricing includes liability, collision and protection for non-collision damage.
- $114. the average monthly cost of full coverage.
- 30/60/10. the lowest liability limits.
- Ranked 31st of 51.most expensive state (1st = highest)
What does full coverage cost in Minnesota?
Full coverage adds collision and comprehensive to liability. Those two coverages add $787 a year in Minnesota, on top of the $586 average for liability.
| 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).
When full coverage no longer pays off
Lenders and lease companies require full coverage while you still owe money for the car.
After the car is paid off, check its value against the yearly price of $787 for the extra cover. Liability only is usually the better choice if a single bad year of premiums would cover most of the car's value.
Minnesota full coverage by car
IIHS-HLDI loss results provide estimates for an adult with a clean driving record. Among the 40 models we price, these have the lowest and highest costs:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $890 | $74 |
| Honda Pilot | $908 | $76 |
| Subaru Outback | $976 | $81 |
| Toyota RAV4 | $1,014 | $84 |
| Mercedes-Benz C-Class | $1,901 | $158 |
| Chevrolet Camaro | $2,290 | $191 |
| Dodge Charger | $2,368 | $197 |
| Dodge Challenger | $2,586 | $216 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Originally written