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Car Insurance in Minnesota (Updated May 2024)

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Minnesota Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Minnesota however, drivers are paying 2% less for car insurance than the national average, with Full Coverage costing Minnesota drivers an average of $185 per month

Similar to other states, the rates in Minnesota can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Minnesota. Read on to learn more about properly insuring your car in Minnesota. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Minnesota Car Insurance Laws

As with most states across the U.S., the state of Minnesota requires that you have car insurance with a 30-day new car grace period.

Minnesota’s car insurance minimums

Minnesota minimum car insurance requirements are outlined as 30/60/10:

  • $30,000 for each person injured
  • $60,000 for each accident
  • $10,000 for any property damaged
  • $40,000 for personal injury protection 
  • $50,000 for uninsured bodily injury per accident 
  • $25,000 underinsured bodily injury per person

However, Minnesota car insurance minimums are some of the lowest in the country, so it’s recommended that you purchase additional coverage, such as collision and comprehensive.

Proof of Insurance

It is illegal to drive without car insurance in Minnesota. ” 


It is illegal to drive without car insurance in Minnesota and will result in a misdemeanor. According to Minnesota car insurance laws, you face several possible consequences if you are pulled over by the police or get into an accident and can’t provide proof of insurance, such as:

  • Your license and registration may be revoked
  • A minimum fine of $200
  • Reinstatement fees of $30 

However, these are lenient consequences compared to getting charged with a gross misdemeanor, which usually occurs if you get cited for driving without car insurance three times within 10 years. In such a situation, you risk higher fines over the minimum or going to jail if you get into a serious accident that results in death or injury.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Minnesota?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Minnesota?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Minnesota?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.