Short answer: car insurance in Minnesota depends on your ZIP code, coverage level and driver/home profile. Minnesota's state minimum car insurance is 30/60/10. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Minnesota is about $1,103 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Minnesota car insurance basicsMinnesota is a
no-fault state for auto insurance. Minimum car insurance in Minnesota:
30/60/10 — $30k bodily injury/person, $60k/accident, $10k property damage. Statewide average premium:
~$1,103/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Minnesota
Minnesota car insurance FAQ
How much is car insurance in Minnesota?
The average annual car insurance premium in Minnesota is about $1,103 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Minnesota?
Compare multiple carriers, bundle policies, and check local Minnesota discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Minnesota →