State profile · MN · CMS + NAIC
Minnesota drivers average $1103/yr for auto insurance, ranked #28 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Minnesota runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1103 a year for auto cover, below the $1191 national average (the 28th-most-expensive of 51 states), up 24% since 2019.
2019: $892 average expenditure
$892 avg expenditure
2020: $881 average expenditure
$881 avg expenditure
2021: $892 average expenditure
$892 avg expenditure
2022: $962 average expenditure
$962 avg expenditure
2023: $1103 average expenditure
$1,103 avg expenditure
What this shows Minnesota drivers' average auto cost rose 24% between 2019 and 2023.
Year over year, Minnesota's average auto expenditure rose 14.7% from 2022 to 2023, part of a 24% increase (+$211) since 2019. See the full 5-year state-by-state comparison.
Minnesota auto rates in detail →Minnesota: $1103/yr average auto expenditure (this state)
$1,103 avg expenditure
Virginia: $1114/yr average auto expenditure
$1,114 avg expenditure
Alaska: $1113/yr average auto expenditure
$1,113 avg expenditure
Oklahoma: $1085/yr average auto expenditure
$1,085 avg expenditure
New Mexico: $1082/yr average auto expenditure
$1,082 avg expenditure
No issuer-level claim-denial data is reported for Minnesota in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Minnesota's 2023 average auto expenditure was $1103, 28th of 51 jurisdictions by cost and 7.4% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Minnesota is one of 12 no-fault auto-insurance states: drivers file injury claims with their own insurer's Personal Injury Protection coverage regardless of who caused the accident, rather than suing the at-fault driver. Minnesota's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Minnesota's closest peers in PlainInsurer's dataset are Alaska ($1113/yr) and Virginia ($1114/yr) -- both within a few dollars of Minnesota's own $1103/yr.
Border comparison. Minnesota borders Iowa, North Dakota, South Dakota, and Wisconsin. Minnesota's auto costs run higher than all of them, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Minnesota operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Minnesota Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.