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The insurance cost of driving drunk in Minnesota

Auto insurance costs are neither very high, nor very low in Minnesota. At $1432, Minnesota’s average annual insurance rate is merely $64 below the national average, $1496. However, these rates can be gravely affected by drunk driving charges on your driving record.

In Minnesota, driving while intoxicated (DWI) is a serious offense, and can result in fines as well as jail time. The fourth DWI on your record will cost you your driver’s license, and the fourth DWI within a 10 year period will be considered a felony. In addition to these legal repercussions, your insurance carrier will increase your premium from $1432 to $2664 in Minnesota. In Minneapolis, your insurance rate will increase from $1376 to $2559.

St. Cloud is the most affordable auto insurance zip code in Minnesota. The average annual insurance rate in St. Cloud is $956. However, a DWI in St. Cloud will increase your insurance rate to $1778 per year. Minnetonka, Mankato, and Rochester are also affordable cities to buy auto insurance, with average annual insurance rates of $969, $981, and $986, respectively. However, a single DWI on your record in these cities will shoot your premium up to $1802, $1825, and $1834.

City/ State Zip code Average Annual Insurance Rate ($) Average Annual Premium after a DWI Conviction ($) Average Annual Premium after an accident ($)
St. Cloud 56301 956 1,778 1,177
Minnetonka 55305 969 1,802 1,193
Mankato 56001 981 1,825 1,208
Rochester 55901 986 1,834 1,214
Edina 55410 1,024 1,905 1,261
Bloomington 55420 1,037 1,929 1,277
Eden Prairie 55343 1,058 1,968 1,303
Duluth 55802 1,063 1,977 1,309
Saint Paul 55101 1,316 2,448 1,621
Minneapolis 55415 1,376 2,559 1,695
Minnesota 55959 1,432 2,664 1,764

It is evident from the above table that one accident on your record has a lower impact on your insurance premiums, compared to DWIs. Also, DWIs will cost you a higher premium for at least three years since the date of the offense.

50.5% rise in auto insurance expenditure in Minnesota between 1989 and 2010

In 2010, the average auto insurance expenditure in Minnesota stood at $693.08 and was almost a $100 cheaper than the countrywide average of $791.22. Minnesota’s 2010 average figure represented a rise of 50.5 percent over its 1989 average ($460.41). In the same period, the countrywide average went up by 43.3 percent. Despite the faster rise in costs, auto insurance expenditure in Minnesota was still cheaper than the countrywide average as of 2010. Furthermore, Minnesota went from being the 26th most expensive state in terms of auto insurance to the 32 most expensive.

The figures above were obtained from the November 2013 study released by the Consumer Federation of America. This study found that when taken in comparison with states such as California and Hawaii, Minnesota’s performance does not measure up quite so well. In the same 21 year period, auto insurance costs in California went down by 0.3 percent, the only state where costs went down. Hawaii did well too. Costs there rose by only 13.7 percent. The study concludes that states that had stringent auto insurance regulation, such as California and Hawaii, demonstrated the most success in keep rates rises lower.

Currently, Minnesota employs a File and Use (F&U) system which requires insurers to file rates changes before using them in the market. In contrast, California employs a much stronger regulatory system called Prior Approval (PA). Under the PA system, insurers are not merely required to file rates changes before use. They have to also obtain approval from the state for rates changes before they can be implemented.

Implementing a PA system will benefit consumers in Minnesota, as per the study. Moreover, it was found that stronger regulatory systems do not adversely affect the profitability of the insurers. To illustrate, profitability in states that employed the PA system was 9.4 percent whereas states that employed the F&U system saw a profitability of 7.7 percent. Stronger regulatory systems, therefore, make sense for all involved.

Minnesota Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Minnesota, MN.

Lowest Rate:$900
Average Rate:$1400
Highest Rate:$1900

Recent Savings From Top Providers in Minnesota

Rank Customer Zipcode Amount Saved
1 55959 $297
2 56700 $290
3 56700 $288
4 58200 $286

Compare Auto Insurance Companies in Minnesota

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Farmers A 1928
Nationwide A+ 1925
American Family A 1927

Minnesota Auto Insurance Requirements

Minimum limits of liability for auto insurance in Minnesota as per MN State Laws

Bodily Injury Liability

  • $30,000 for death/injury of any one person, per accident.
  • $60,000 for all persons per accident.

Property Damage Liability

  • $10,000 per accident.

Minnesota Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Minnesota is the vehicle's make and model. Especially the vehicle's theft rates in Minnesota

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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Learn from people in your town & neighborhood on what coverage they have & who they close & how they saved money

Latest Auto Insurance Reviews in Minnesota


$80 for 1 Month

Geico has been a very good company so far to deal with. I had one accident a year ago where I was rear-ended. The other party's insurance company worked with mine to get my car fixed quickly. I am also satisfied with the amount the discount for being a good driver. They also offer a discount when you pay with auto-pay which is very nice and convenient so you don't forget to make a payment. Also, they allow you to post-pone a payment once per policy period without any additional fees. The website is very user-friendly and has all the information I need about my policy. It has functions that can let you change certain aspects and see how it will affect the price of your policy. Overall, very satisfied.

Progressive , 28

$110 for 1 Month

I think that Progressive is, by far, the best auto insurance company out there. They have a wonderful program and system that is very user friendly, and allows for their customers to get exactly what they need without over spending, and they make sure you understands exactly what you are getting. When you first enroll there is no huge fee like other insurance companies, where they sometimes want a couple months worth of payments right away. Also, their website is very easy to navigate through and very understandable. You can log on and change your policy, add a car, add a driver, or drop a driver or car, or make any changes to your payments that you wish.

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