McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Car insurance for a new driver in Minnesota costs an average of $921 per year to $2,333 per year. Auto insurance premiums for new drivers in Minnesota vary widely depending on a driver’s age and whether they are being added to an existing policy or purchasing their own. For example, the premium increase from adding a teenager to a parent’s policy is significantly less than the cost of a teenager getting their own policy.
Average Cost of Car Insurance for New Drivers in Minnesota
Company | Monthly Cost | Annual Cost |
$88 per month | $1,053 per year | |
$103 per month | $1,241 per year | |
$106 per month | $1,267 per year | |
$121 per month | $1,448 per year | |
$129 per month | $1,551 per year |
Note: Premiums are representative of a 16-year-old good driver with a minimum coverage policy; individual premiums will vary.
New drivers aren’t only teens and those in their early 20’s. A new driver could be an adult who got their license later in life, a recent immigrant, or anyone who has a long gap in their driving or insurance history. For these types of new drivers in Minnesota, insurance rates will still likely be higher than the average of $58 per month for an experienced adult.
A new driver’s lack of experience can classify them as high risk. Once new drivers get a bit more practice and have a proven track record of safe driving, however, they’ll begin to see their rates decrease. To learn more about minimizing the cost of car insurance in Minnesota, check out WalletHub’s picks for the cheapest Minnesota car insurance companies.
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