How much is car insurance in Minnesota?
Car insurance in Minnesota cost an average of $1,223 a year for full coverage in 2023 (NAIC), sitting 15% below the $1,439 national average and coming to about $1,450 a year in Minnesota today (about $120 a month in August 2026 dollars). In Minnesota, the law asks for at least 30/60/10 liability, while Minnesota liability-only policies—the closest NAIC figure to minimum coverage—averaged $542 in 2023 (about $640 today).
Average car insurance cost in Minnesota: 15% below the US average
Typical Minnesota full-coverage price today
about $1,450 a year in Minnesota (about $120 a month)
Minnesota's 2023 NAIC full-coverage average ($1,223) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Minnesota rate depends on your car, driving history, and coverage limits.
That $1,223 2023 full-coverage figure makes Minnesota the 19th least expensive of the 50 states and DC (against $1,439 nationally), with 44% going to liability ($542, 20th lowest in the US) and 56% covering physical damage to your own vehicle. Counting every insured car in Minnesota—both full-coverage and liability-only policies—Minnesota drivers spent $1,103 per vehicle on average in 2023 (24th lowest in the US, about $1,310 today), or 10% ($120) less than Minnesota's full-coverage combined average.
Minnesota costs more to insure than Iowa, North Dakota, South Dakota, and Wisconsin
A typical full-coverage policy in Minnesota ($1,223 in 2023) costs more than in all four bordering states. Among Minnesota's neighbors, North Dakota had the lowest 2023 average ($961, moving to Minnesota is about $350 more a year) and South Dakota had the highest ($1,158, moving to Minnesota is about $90 more a year).
| State | 2023 average | Moving to Minnesota from there |
|---|---|---|
| Minnesota | $1,223 | Current state (Minnesota) |
| Iowa | $1,010 | About $280 more a year |
| North Dakota | $961 | About $350 more a year |
| South Dakota | $1,158 | About $90 more a year |
| Wisconsin | $1,000 | About $300 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: West Virginia ($1,227 in 2023, about $1,450 today), Washington ($1,235 in 2023, about $1,460 today), Tennessee ($1,212 in 2023, about $1,440 today), and Virginia ($1,238 in 2023, about $1,470 today).
Minnesota: 30/60/10 minimums and no-fault PIP rules
- Minnesota liability (per person / per crash / property)
- $30,000 / $60,000 / $10,000
- Personal injury protection (PIP) in Minnesota
- Required
- Medical payments in Minnesota
- Not required
- No-fault system in Minnesota
- Yes
- Uninsured motorist in Minnesota
- Required
- Underinsured motorist in Minnesota
- Required
Set by Minn. Stat. 65B.49, subd. 3(1), Minnesota's 30/60/10 minimum pays up to $30,000 per person and $60,000 per crash for injuries you cause to others, plus $10,000 for others' property—the legal floor in Minnesota, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Minnesota is a no-fault state: after a crash, your own Minnesota policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in Minnesota—the closest NAIC figure to what a Minnesota minimum policy costs—averaged $542 in 2023 (about $640 in Minnesota today), the 20th lowest of the 50 states and DC. That makes liability 44% of Minnesota's full-coverage average ($1,223), while the remaining 56% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- The current figures appear in the 2025 Minnesota Statutes. HF 2494 / SF 2639 (2025-2026) would have raised them to 60/120 bodily injury and 50/100 uninsured/underinsured motorist coverage. HF 2494 never left committee (last action May 5, 2025), and no enacted change appears on the revisor's page.
- Checked
- September 22, 2026
- Sources
- Minn. Stat. 65B.49, subd. 3(1)
not less than $30,000 because of bodily injury to one person ... not less than $60,000 ... not less than $10,000 because of such injury to or destruction of property
- Minn. Stat. 65B.49, subd. 3a(1)
unless separate uninsured and underinsured motorist coverages are provided therein. Each coverage, at a minimum, must provide limits of $25,000 ... and $50,000
- Minn. Stat. 65B.44, subd. 1
shall provide a minimum of $40,000 ... (1) $20,000 for medical expense loss ... (2) a total of $20,000 for income loss
- Minn. Stat. 65B.48, subd. 1
Every owner of a motor vehicle ... shall maintain during the period in which operation or use is contemplated a plan of reparation security
- Minn. Stat. 65B.51, subd. 3
The sum of the following exceeds $4,000
- Minn. Stat. 65B.49, subd. 3(1)
Adding a 16-year-old driver in Minnesota: about $960 more a year
Adding a 16-year-old to a Minnesota policy
about $960 more a year
About $80 a month (+66% over a typical Minnesota adult policy of $1,450), bringing the combined Minnesota family policy to roughly $1,800–$3,200 a year.
On a separate Minnesota policy of their own with the same car, a 16-year-old in Minnesota would pay about $4,160 a year (roughly $3,150–$5,950), so sharing a parent's Minnesota policy saves about $3,200 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Minnesota's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Minnesota
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 on a Minnesota policy, compared with about $1,440 more a year for the 2022 Tesla Model 3 in Minnesota.
| 2022 model | Added to a Minnesota policy | Own Minnesota policy |
|---|---|---|
| 2022 Subaru Forester | +$850 in Minnesota | $3,710 in Minnesota |
| 2022 Subaru Outback | +$860 in Minnesota | $3,720 in Minnesota |
| 2022 Subaru Crosstrek | +$860 in Minnesota | $3,740 in Minnesota |
| 2022 Honda CR-V | +$920 in Minnesota | $3,990 in Minnesota |
| 2022 Toyota RAV4 | +$930 in Minnesota | $4,060 in Minnesota |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Minnesota
In Minnesota, a 45-year-old with full coverage pays from about $1,440 a year for a 2024 Mazda CX-50 to about $1,580 for a 2024 Kia Sorento on these Minnesota sample models.
| Car | 45-year-old in Minnesota | Adding a teen in Minnesota |
|---|---|---|
| 2024 Mazda CX-50 | about $1,440 a year | +$950 a year |
| 2024 Mazda CX-90 | about $1,570 a year | +$1,040 a year |
| 2024 Hyundai Santa Fe | about $1,520 a year | +$1,000 a year |
| 2024 Hyundai Palisade | about $1,580 a year | +$1,040 a year |
| 2024 Kia Telluride | about $1,510 a year | +$1,000 a year |
| 2024 Kia Sorento | about $1,580 a year | +$1,040 a year |
| 2024 Chevrolet Trailblazer | about $1,550 a year | +$1,030 a year |
| 2024 Chevrolet Blazer | about $1,570 a year | +$1,040 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Minnesota
- How much is car insurance in Minnesota?
- In Minnesota, full-coverage car insurance averaged $1,223 a year in 2023 (the 19th least expensive of the 50 states and DC per NAIC), or about $1,450 a year ($120 a month) in Minnesota as of August 2026. Minnesota liability-only coverage averaged $542 in 2023 (44% of Minnesota's full-coverage figure, or about $640 today), and Minnesota drivers spent $1,103 per insured car across all policies.
- What are the minimum car insurance limits in Minnesota?
- Under Minn. Stat. 65B.49, subd. 3(1), Minnesota requires 30/60/10 liability: $30,000 per person and $60,000 per crash for bodily injury, plus $10,000 for property damage. The current figures appear in the 2025 Minnesota Statutes. HF 2494 / SF 2639 (2025-2026) would have raised them to 60/120 bodily injury and 50/100 uninsured/underinsured motorist coverage. HF 2494 never left committee (last action May 5, 2025), and no enacted change appears on the revisor's page.
- How much does adding a 16-year-old teen driver cost in Minnesota?
- Adding a 16-year-old to a parent's full-coverage policy in Minnesota adds about $960 more a year ($80 a month), bringing the Minnesota household policy to roughly $1,800–$3,200 a year versus about $4,160 a year (roughly $3,150–$5,950) on a standalone Minnesota teen policy.
- Is Minnesota a no-fault car insurance state?
- Yes—Minnesota uses no-fault auto insurance rules, so your own Minnesota personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. $40,000 per person: $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral, and survivor losses.
- How does Minnesota's car insurance cost compare with Iowa?
- Minnesota averaged $1,223 for full coverage in 2023 (NAIC) against $1,010 in Iowa (21% more than Iowa), and moving a sample policy from Iowa to Minnesota today is about $280 more a year. Other bordering states averaged $961 in North Dakota, $1,158 in South Dakota, and $1,000 in Wisconsin in 2023.
Sources for Minnesota
- Minnesota average premiums ($1,223 full coverage, $542 liability-only, $1,103 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Minnesota minimum coverage statutes (Minn. Stat. 65B.49, subd. 3(1); Minn. Stat. 65B.49, subd. 3a(1); Minn. Stat. 65B.44, subd. 1; Minn. Stat. 65B.48, subd. 1; Minn. Stat. 65B.51, subd. 3), checked September 22, 2026. Page updated for Minnesota. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.