Average full-coverage premium in Minnesota: $1,420/year — ranked #32 most expensive state in the US.
Avg Annual Premium
$1,420
Minimum Coverage
$30K/$60K/$10K
Uninsured Driver Rate
7.6%
| City | Avg Annual Premium | vs State Average |
|---|---|---|
| Minneapolis | $1,680/yr | +18.3% |
| Saint Paul | $1,620/yr | +14.1% |
| Rochester | $1,250/yr | -12.0% |
Source: Rate estimates based on NAIC data and carrier filings, March 2026.
Minnesota requires all drivers to carry minimum liability insurance of 30/60/10 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
Minnesota is a no-fault state requiring all drivers to carry Personal Injury Protection coverage to pay for their own medical expenses after an accident. The state's insurance market is generally stable and competitive, with rates that are moderate by national standards. Minnesota requires uninsured and underinsured motorist coverage, providing meaningful baseline protection for all drivers in the event they're hit by someone without adequate insurance.
Minnesota's severe winter conditions — significant snowfall, ice, and long periods of extreme cold — drive elevated accident frequency during the extended winter season and contribute to comprehensive claims from storm damage. The Twin Cities metro carries higher rates than Greater Minnesota, but even Minneapolis-St. Paul is affordable compared to major metros in coastal states. Minnesota does not ban credit scores as a rating factor, so maintaining good credit is one of the most accessible tools for keeping auto insurance costs down.
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
We monitor rate filings in all 50 states. Get notified when rates change in your area — and discover new ways to save.
Free forever. Unsubscribe with one click. No spam, ever.
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.