Car insurance in Minnesota
Drivers in Minnesota paid $1,223 a year for full coverage in 2023, 15% below the national average. With prices up since, figure on about $1,450 today. In Minnesota, the law asks for at least 30/60/10 liability.
What people pay in Minnesota
A typical yearly price today
about $1,450 a year (about $120 a month)
Minnesota's average full-coverage cost in 2023 was $1,223, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,450.
That makes Minnesota the 19th least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Minnesota next to its neighbors
A typical policy costs more in Minnesota than in all four of its neighbors.
| State | Typical price, 2023 | Moving to Minnesota from there |
|---|---|---|
| Minnesota | $1,223 | Not a move |
| Iowa | $1,010 | About $290 more a year |
| North Dakota | $961 | About $360 more a year |
| South Dakota | $1,158 | About $90 more a year |
| Wisconsin | $1,000 | About $310 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Minnesota's law asks for
- Liability (per person / per crash / property)
- $30,000 / $60,000 / $10,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Required
- Underinsured motorist
- Required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Minnesota is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $542 in Minnesota in 2023 (about $640 today, brought up the same rough way), the 20th lowest of the 50 states and DC. That's about 44% of the full-coverage price; the rest pays to fix or replace your own car.
Minnesota requires at least $30,000 per person and $60,000 per crash for injuries, plus $10,000 for property damage. Every policy also includes $40,000 of no-fault personal injury protection ($20,000 medical and $20,000 for lost income and similar losses). Separate uninsured and underinsured motorist coverage is required at $25,000/$50,000 each.
Good to know: Under no-fault, you can sue for pain and suffering only if medical bills pass $4,000 or the injury is serious, such as a permanent injury or more than 60 days of disability.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it. PIP already covers medical bills.
- Personal injury protection
- $40,000 per person: $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral, and survivor losses.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage are separate, and both are required, each at least $25,000 per person and $50,000 per crash. You can't turn either one down.
- Checked
- September 22, 2026
A new teen driver in Minnesota
Adding a 16-year-old to a typical policy
about $960 more a year
About $80 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,800–$3,200 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,160 a year in Minnesota (roughly $3,150–$5,950).
What adding a teen costs comes from California's published prices, so the range is wide, and Minnesota may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Minnesota, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $850 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,440 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$850 a year | $3,710 a year |
| 2022 Subaru Outback | +$860 a year | $3,720 a year |
| 2022 Subaru Crosstrek | +$860 a year | $3,740 a year |
| 2022 Honda CR-V | +$920 a year | $3,990 a year |
| 2022 Toyota RAV4 | +$930 a year | $4,060 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Minnesota (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Minnesota's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.