🚗 Car insurance cost in Minnesota (2026)
The estimated average is $1,892 per year — below the national average (-12% vs. the U.S. average of $2,150).
Minnesota is home to about 5.7 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Minneapolis typically differ from smaller towns.
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Minnesota car insurance estimator
Starts from the Minnesota average. Estimate only — get quotes to confirm.
Car insurance cost in Minnesota cities
| City | Population | Est. car insurance |
|---|---|---|
| Minneapolis | 425,336 | $1,968 |
| Saint Paul | 303,176 | $1,968 |
| Rochester | 121,878 | $1,892 |
| Duluth | 86,697 | $1,816 |
Minnesota car insurance FAQ
How much is car insurance in Minnesota?
The estimated average car insurance in Minnesota is $1,892 per year, which is below the national average (-12% vs. the U.S. average of $2,150). Minnesota ranks 37 of 51 states from most to least expensive.
Why is car insurance cheaper in Minnesota?
Car insurance pricing in Minnesota reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on car insurance in Minnesota?
Compare at least three quotes from insurers active in Minnesota, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.