Ranked #20 of 51 by Cost

2026 Minnesota Car Insurance Calculator

Estimate your monthly premium based on The Land of 10,000 Lakes averages

Minnesota state flag — 2026 car insurance rates

Rate Calculator

$218

per month

$2,616

per year

Updated June 1, 2026

Local insurance tip

Minnesota is a no-fault state requiring Personal Injury Protection. Minnesota also allows you to add No-Fault Wage Loss benefits above the default limit, if you are self-employed or your income exceeds the standard benefit cap, upgrading this coverage at a modest cost can prevent significant financial hardship after an accident that keeps you from working.

Cost Breakdown

Average Monthly Insurance Rate by Coverage Level
Coverage	Monthly	Description
MN minimum	$102	Legal bare minimum (liability only)
Standard liability	$164	High Liability, no physical damage
Full coverage	$218	Comprehensive ($500 ded.)
Premium protection	$296	Max liability ($250 ded.)

Average Monthly Insurance Rate by Age Group
Age	Risk	Monthly
16-19	Very high	$643
20-24	High	$360
25-54	Standard	$218
55-69	Low	$207
70+	Moderate	$273

Average Monthly Insurance Rate by Driving History
Violation	Risk	Monthly
Clean	Standard	$218
Speeding Ticket	Moderate	$266
At-Fault Accident	High	$323
DUI / DWI	Very high	$621

Minnesota Snapshot · June 2026

Minnesota Car Insurance Rates by County June 2026

$218/mo

State avg (-11% US AVG)

#20

National Rank

27%

County Spread

Rate by Neighboring States (5)

Average Monthly Insurance Rate by State
Rank	State	Monthly	Population
1	Minnesota	$218	5,297,185
2	Wisconsin	$184-16%	5,676,130
3	Iowa	$182-17%	3,033,961
4	South Dakota	$179-18%	807,958
5	North Dakota	$178-18%	662,659

State Insight

Minnesota is the most expensive of its neighbors. Iowa, Wisconsin, South Dakota and North Dakota all sit below Minnesota, with Iowa and North Dakota the most affordable of the group. The gap is modest compared to states with major urban outliers, Minnesota's relatively contained Twin Cities premium keeps it from diverging too sharply from its neighbors.

Rate by Cities (Top 25)

Average Monthly Insurance Rate by City
Rank	City	Monthly	Population
1	Minneapolis	$235+8%	1,020,870
2	Saint Paul	$233+7%	753,116
3	Bemidji	$228+5%	32,225
4	Anoka	$226+4%	46,352
5	Stillwater	$225+3%	35,024
6	Elk River	$220+1%	36,440
7	Andover	$219	45,967
8	Inver Grove Heights	$216-1%	33,895
9	Burnsville	$215-1%	60,291
10	Hopkins	$215-1%	43,301
11	Saint Cloud	$212-3%	74,438
12	Osseo	$211-3%	32,524
13	Shakopee	$210-4%	40,416
14	Cottage Grove	$210-4%	34,204
15	Faribault	$210-4%	29,732
16	Duluth	$209-4%	115,916
17	Maple Grove	$209-4%	32,788
18	Prior Lake	$209-4%	29,811
19	Lakeville	$208-5%	47,218
20	Farmington	$208-5%	32,406
21	Eden Prairie	$207-5%	60,797
22	Rochester	$202-7%	117,815
23	Mankato	$190-13%	60,662
24	Moorhead	$190-13%	40,766
25	Winona	$190-13%	35,629

Compared to MN avg ($218)

City Insight

Minneapolis and Saint Paul lead the state as expected, their urban density and vehicle theft rates pushing them above the statewide average. Mankato, Moorhead and Winona are among the most affordable, their smaller size and lower claim frequency keeping rates well below the Twin Cities corridor.

Rate by Counties (87)

Average Monthly Insurance Rate by County
Rank	County	Monthly	Population
1	Ramsey	$241+11%	509,197
2	Cass	$233+7%	22,663
3	Hubbard	$232+6%	22,792
4	Isanti	$231+6%	34,643
5	Kanabec	$230+6%	15,473
6	Hennepin	$230+6%	1,154,323
7	Mille Lacs	$229+5%	34,659
8	Wadena	$229+5%	15,791
9	Beltrami	$229+5%	44,872
10	Pine	$228+5%	28,405
11	Todd	$228+5%	23,750
12	Chisago	$227+4%	61,917
13	Lake	$227+4%	10,566
14	Crow Wing	$227+4%	66,024
15	Clearwater	$227+4%	11,242
16	Cook	$226+4%	5,176
17	Aitkin	$225+3%	16,266
18	Morrison	$224+3%	31,270
19	Sherburne	$223+2%	100,310
20	Anoka	$222+2%	312,364
21	Mahnomen	$222+2%	668
22	Washington	$217	245,906
23	Wright	$217	118,371
24	Carlton	$217	37,462
25	Lake of the Woods	$216-1%	3,733
26	Benton	$215-1%	30,822
27	Dakota	$214-2%	399,595
28	St. Louis	$213-2%	198,289
29	Carver	$211-3%	86,318
30	Stearns	$211-3%	153,510
31	Scott	$210-4%	132,566
32	Norman	$210-4%	9,711
33	Itasca	$209-4%	44,073
34	Grant	$209-4%	6,422
35	Meeker	$208-5%	20,750
36	Traverse	$208-5%	3,638
37	Kandiyohi	$207-5%	41,711
38	Becker	$207-5%	31,033
39	Koochiching	$206-6%	13,696
40	Marshall	$206-6%	9,502
41	Red Lake	$206-6%	4,407
42	Renville	$205-6%	15,962
43	Otter Tail	$205-6%	53,238
44	Polk	$205-6%	31,736
45	Roseau	$205-6%	15,989
46	Kittson	$205-6%	4,565
47	Chippewa	$204-6%	11,704
48	Rice	$203-7%	66,433
49	Big Stone	$203-7%	5,540
50	Lac qui Parle	$203-7%	6,663
51	Pope	$203-7%	10,112
52	Goodhue	$202-7%	47,338
53	McLeod	$202-7%	37,718
54	Douglas	$202-7%	37,398
55	Wilkin	$202-7%	6,773
56	Sibley	$201-8%	13,252
57	Le Sueur	$201-8%	22,495
58	Stevens	$201-8%	9,906
59	Swift	$201-8%	10,133
60	Steele	$200-8%	37,095
61	Olmsted	$200-8%	140,104
62	Dodge	$200-8%	19,795
63	Yellow Medicine	$200-8%	11,126
64	Rock	$199-9%	9,145
65	Redwood	$198-9%	16,323
66	Cottonwood	$198-9%	11,458
67	Nobles	$198-9%	21,315
68	Pipestone	$198-9%	10,560
69	Brown	$197-10%	27,369
70	Jackson	$197-10%	9,189
71	Murray	$197-10%	8,129
72	Wabasha	$196-10%	23,780
73	Nicollet	$196-10%	31,897
74	Lincoln	$196-10%	5,351
75	Fillmore	$195-11%	23,481
76	Faribault	$195-11%	15,380
77	Lyon	$195-11%	27,249
78	Mower	$194-11%	39,219
79	Watonwan	$194-11%	11,259
80	Waseca	$193-11%	19,485
81	Clay	$193-11%	59,279
82	Pennington	$193-11%	14,214
83	Houston	$192-12%	19,952
84	Freeborn	$192-12%	29,242
85	Winona	$190-13%	50,270
86	Blue Earth	$190-13%	63,756
87	Martin	$190-13%	20,922

Compared to MN avg ($218)

County Insight

Ramsey County leads the state, with Hennepin and Anoka counties close behind as the Twin Cities metro core. The southern and western Minnesota counties are consistently the most affordable, with Blue Earth, Martin and Clay counties sitting notably below the state average.

What Every Minnesota Driver Needs To Know

What are the minimum car insurance requirements in MN for 2026?

Minnesota requires 30/60/10 liability minimums, plus $40,000 in Personal Injury Protection (split as $20,000 for medical and $20,000 for non-medical economic loss) and $25,000/$50,000 in Uninsured Motorist coverage. Minnesota is one of a small number of states mandating both PIP and UM coverage simultaneously.

Is Minnesota a no-fault state?

Yes, Minnesota is a no-fault state, meaning your own PIP coverage pays your medical bills and lost wages after an accident regardless of fault. You can step outside the no-fault system and sue the at-fault driver for pain and suffering only if your medical expenses exceed $4,000, you suffer a permanent injury, or you are disabled for 60 or more days.

Does Minnesota require Uninsured Motorist coverage?

Yes, Minnesota mandates UM coverage at $25,000/$50,000 minimums. Minnesota also requires Underinsured Motorist coverage at the same limits. Together these coverages ensure that whether the at-fault driver has no insurance or too little insurance, your own policy fills the gap for your medical costs and other damages.

How does Minnesota's winter weather affect my auto insurance?

Minnesota winters produce significant comprehensive claims from ice, snow and freeze-thaw cycles that damage vehicles. Deer collisions also peak in the fall hunting season and are among the highest per capita in the upper Midwest. Comprehensive coverage is not legally required but is strongly recommended year-round, the state's weather and wildlife create a persistent risk of non-collision damage that liability-only policies leave entirely uncovered.

Sources: Minnesota DVS