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 ($)||Average Annual Premium after an accident ($)|
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.