Minnesota Rates:
Auto insurance premiums averaged $829.33 in Minnesota in 2010, representing a change of -0.90 percent from the previous year when rates averaged $836.69. The 2010 figures indicate that liability coverage averaged $472.41, collision averaged $252.17, and comprehensive averaged $205.48. There were 20 states that had higher average premiums and 29 with lower premiums. In 2010 there were 17 states with higher rates than Minnesota. Taking a look at a longer trend, premiums for car insurance in 2000 averaged $695.55 and in 2008, $735.20. In the year 2008, 18 states had higher premiums.
Factors Affecting Insurance Costs
| Speed Limit in Cities | 65 |
| Speed Limit On Highways | 65 |
| Blood Alcohol Percentage Limit | 0.08 |
| Open Container Law | Both the driver and passenger of vehicles are prohibited from posessing open alcohol |
| Handheld Cell Phones | There is no statewide ban on hand held cell phone use while driving. |
| Cell Usage By Driver | Learner's permit holders and provisional license holders during the first 12 months after licensing (eff. 1/1/2006) |
| License Suspension on DUI | On a first offense for DUI/DWI drivers license is suspened for 90 days. |
| Restoration Available After DUI | Driving priviliges may be restored under certain circumstances 15 days following suspension. |
Auto Insurance Premium Data
| 2010 Average Premium | $829.33 |
| 2010 Average Premium | $836.69 |
| 2009-2010 % Change | -0.90% |
| 2010 Collission Cost | $252.17 |
| 2010 Liability Cost | $472.41 |
| 2010 Comprehensive Cost | $205.48 |
| 2010 Premium Rank | 21 |
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