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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

The Vikings may have wanted to explore the world alone, but we’re here to navigate the insurance industry with you Minnesota drivers. Knowledge is power, and with our analysis of state laws, minimum amounts of coverage required, discounts, and more, you will have all of the power you need. Prefer a human guide? Call [mapi-phone /] to let to an insurance expert answer any questions you may have.

What are Minnesota’s minimum coverage requirements for auto insurance?

Minnesota is a “no-fault” state, which means it doesn’t matter who is deemed “at-fault.” When an accident occurs, your insurance company will help cover costs no matter who caused the problem. To be in good standing with the law, all drivers must have personal injury protection (PIP), liability insurance, and uninsured and underinsured coverage. In some cases, dealerships might require you have collision and comprehensive coverage too. The minimum limits for each are:

  • $20,000 in PIP for hospital and medical expenses
  • $20,00 in PIP for lost wages, replacement services and other non-medical expenses
  • $30,000 in bodily injury liability, per person per accident
  • $60,000 in bodily injury liability, total per accident
  • $10,000 in property damage liability per accident
  • $25,00 in uninsured and underinsured, per person per accident
  • $50,000 in uninsured and underinsured, for multiple people per accident

Do you need collision and comprehensive insurance in Minnesota?

It’s not required that you have collision or comprehensive coverage, but you might need to if you’re financing a car and it’s written into the agreement. This is to will help pay for damages to your car if you hit something, something hits you, and many more worst-case scenarios. Liability coverage, collision coverage, and comprehensive coverage combined is often referred to as “full-coverage car insurance.”

What are the average auto insurance rates in Minnesota?

Do you know what you’re paying for car insurance compared to other drivers in your state? Being aware of state average rates can help you decide whether you’re paying too much. According to our research, the average annual premium in Minnesota is roughly $1,700 a year. Here is where we found the cheapest car insurance rates:

Average Annual Rates
American Family$1,066.45
Western National$1,113.15

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Looking for more affordable auto insurance? Check out our full guide to the cheapest car insurance in Minnesota.

Discounts to Help You Save on Minnesota Car Insurance 

Here’s the part about how you can save money. Depending on your driving history and personal profile, you may qualify for some of these discounts and more:

  • Good Driver Discount
  • Good Student Discount
  • Safety Discount
  • Multi-Car Discount
  • Homeowners Discount
  • Multi-Policy Discount
  • Claims Free Discount

How Your Insurance Cost is Determined

An insurance premium is a risk assessment. If an auto insurance company perceives you to be a dangerous driver, your rates may be higher than a driver who is seen as less risky. Additionally, each company has its own risk profile with different factors being considered higher in importance. For example, one carrier may put an emphasis on the age of the driver when assessing the risk, while another puts a higher emphasis on a driver’s gender. Here are a few of the variables many insurance companies use to price your policies in Minnesota.

  • Age
  • Gender
  • Address
  • Driving record
  • Past claims record
  • Credit History
  • Vehicle’s safety features

If you have poor credit or you’ve been classified as a high-risk driver, make sure to ask about the eligibility requirements for insurance discounts when you’re comparison shopping for affordable car insurance. You might also want to ask auto insurance providers if they have an accident forgiveness program, as this can save you money down the line.

Guaranteed Car Insurance

It’s illegal to drive without insurance. So what do you do if you’re denied coverage from popular companies? The Minnesota Automobile Insurance Plan (MNAIP) has you covered. If you have been turned down for auto insurance due to a bad driving record, visit the MNAIP. While it may cost more, the fines you can face for driving without insurance are higher.

Did You Know?

Car thieves have taken a shining to certain vehicles in Minnesota and driving these listed cars might make your insurance premiums go up*. We don’t mean to scare you. We just want to give you the facts up front.

  • Honda Accord.
  • Honda Civic.
  • Chevrolet Pickup (Full Size)
  • Ford Pickup (Full Size)
  • Toyota Camry.
  • Dodge Caravan.
  • Honda CR-V.
  • Chevrolet Impala.
  • Acura Integra.
  • Ford Taurus.

*According to

Insurance Experts Know Their Stuff

We get it–sometimes you just need to pick up a phone and talk to a real human being. We trust licensed insurance agents for any help we need and think they can help you find the best auto insurance policy for your needs and budget. Call [mapi-phone /] to get any additional questions answered today or to start a quote.

Additional Minnesota Resources

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