Auto Insurance in Minnesota — Average Cost 2026
Average auto insurance in Minnesota: $1,540/year ($128/month). Minnesota ranks #16 out of 51 states — below the national average.
Average annual
$1,540
Average monthly
$128
National rank
#16
of 51 states
vs national avg
-13.5%
Minnesota vs national average
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Auto insurance in Minnesota
Minnesota sits 13% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Minnesota tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Minnesota drivers hundreds of dollars annually.