$1,567
Avg. Auto Insurance/Year
12% below national avg
$2,123
Avg. Home Insurance/Year
17% above national avg
#29
Cost Ranking (Most Expensive)
30/60/10
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Minnesota driver pays $1,567 annually for car insurance,
which is 12% below the national average."
Source: InsureCompare.com
How Minnesota Compares to National Average
Auto Insurance
Minnesota: $1,567 vs National: $1,771
Home Insurance
Minnesota: $2,123 vs National: $1,820
Minnesota Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$30k |
$100k+ |
| Bodily Injury (per accident) |
$60k |
$300k+ |
| Property Damage |
$10k |
$100k+ |
Cheapest Car Insurance Companies in Minnesota
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$1,284 |
-18% |
| USAA (Military) |
$1,175 |
-25% |
| Progressive |
$1,378 |
-12% |
| State Farm |
$1,488 |
-5% |