Severe winter climate with high snowfall and icy road conditions.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Minnesota was approximately $1,064/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Minnesota Department of Commerce — Insurance — licenses carriers and agents in Minnesota, reviews rate filings, and handles consumer complaints.
Minnesota Department of Commerce — Insurance — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Minnesota is an at-fault (tort) state. The driver who causes an accident is financially responsible through their liability coverage.
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