Car Insurance for Age 36-45 in Minnesota

Average auto insurance rates for 36-45 year old drivers in Minnesota (MN), including male vs female rate comparison.

Avg Annual Rate

$1,560

$166 below national avg

Male Rate

$1,591/yr

Female Rate

$1,529/yr

Cost Rank

#37

of 51 states

Male vs Female Rates — Age 36-45 in Minnesota

Gender	Annual	Monthly	vs Average
Male	$1,591	$133	+$31
Female	$1,529	$127	$-31
Average	$1,560	$130	—

Male drivers aged 36-45 pay $62 more per year in Minnesota.

All Age Groups in Minnesota

Age Group	Average	Male	Female
16-19	$4,212	$4,758	$3,666
20-25	$2,808	$3,120	$2,496
26-35	$1,716	$1,794	$1,638
36-45 ←	$1,560	$1,591	$1,529
46-55	$1,482	$1,513	$1,451
56-65	$1,435	$1,466	$1,404
65+	$1,638	$1,685	$1,591

Most & Least Expensive States for Age 36-45

Most Expensive

#1	Michigan	$2,700
#2	Louisiana	$2,600
#3	Florida	$2,500
#4	New York	$2,320
#5	Kentucky	$2,200
#6	Colorado	$2,100
#7	Georgia	$2,100
#8	California	$2,070
#9	Nevada	$2,070
#10	Oklahoma	$2,030

Least Expensive

#51	Maine	$900
#50	Vermont	$1,000
#49	New Hampshire	$1,050
#48	Idaho	$1,100
#47	Hawaii	$1,270
#46	Wisconsin	$1,280
#45	Ohio	$1,290
#44	North Carolina	$1,350
#43	Iowa	$1,350
#42	North Dakota	$1,360

Minnesota Insurance Overview

State Avg Premium

$1,560/yr

Fault System

No-Fault

Uninsured Rate

7.9%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 36-45 in Minnesota?

The average annual car insurance premium for 36-45 year olds in Minnesota is $1,560 (about $130/month). This is $166 below the national average of $1,726 for this age group.

Do males or females pay more for car insurance at age 36-45 in Minnesota?

In Minnesota, male drivers aged 36-45 pay more — $1,591/yr for males vs $1,529/yr for females, a difference of $62 per year.

How does Minnesota rank for age 36-45 insurance costs?

Minnesota ranks #37 out of 51 states for car insurance costs for 36-45 year olds (most expensive first). The cheapest state for this age group is Maine at $900/yr, while Michigan is the most expensive at $2,700/yr.

Why is car insurance cheaper for age 36-45 in Minnesota?

Insurance rates for 36-45 year olds in Minnesota are influenced by the state's no-fault system, local accident rates (70,196/yr), uninsured driver rate (7.9%), and population density. Minnesota has 4,679,740 registered vehicles.

How can 36-45 year olds save on car insurance in Minnesota?

36-45 year olds in Minnesota can save by: comparing quotes from multiple insurers (State Farm is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 36-45 Rates in Other States

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