Car Insurance in Minnesota
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Minnesota Car Insurance Quotes
Minnesota drivers pay an average of $185 monthly for car insurance, comparable to the nationwide average rate of $189. While the state is known for its heavy snowfall during the winter, which can make for hazardous road conditions, its low population density helps keep insurance costs at a reasonable level.
Besides its climate and location, other factors influence Minnesota car insurance rates, including the driver's age and driving record, available discounts, consumer profile, and coverage type. We considered those factors in our analysis.
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.
Cheapest Insurance in Minnesota
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Minnesota.
When shopping for Minnesota car insurance, it's smart to compare rates. Keep reading to learn more.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Travelers | $130 |
| 2 | USAA | $131 |
| 3 | Auto Club | $151 |
| 4 | State Farm | $154 |
| 5 | Auto Owners | $164 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
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.
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🔍 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.