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Minnesota is a state known for its cool hipster vibe. While it’s famous for its cold winters, the state also boasts great coffee, a cool music scene, and a bike-friendly atmosphere. 

Minnesota offers excellent public transportation in the larger cities, but people still prefer their cars. Because of this, the state has a high car accident rate. This means insurance rates are high in some areas.

But you don’t have to pay sky-high insurance rates. Let Cheap Insurance help you research car insurance providers and get the best possible rate. Get a free quote for cheap car insurance in Minnesota today!

Quick Minnesota Car Insurance Facts

  • Minnesota has a minimum coverage requirement known as the 30/60/10 rule.
  • The average cost of minimum liability auto insurance in Minnesota is $537 per year.
  • Full car insurance coverage in the state costs an average of $1,643 per year. 
  • Approximately 10% of drivers in Minnesota are uninsured.
  • Minnesota is a no-fault state, which means insurance is more expensive.

Minimum Minnesota Car Insurance Coverage

Looking for information about car insurance coverage requirements in Minnesota? The state’s Department of Commerce offers a guide to auto insurance.

Minnesota requires minimum insurance for bodily injury and property damage liability, as well as uninsured motorist coverage. Drivers are required to carry at least the following auto insurance coverages:

  • Property damage: $10,000 coverage for a single accident
  • Bodily injury/death: $30,000 for one person, $60,000 for two or more people
  • Personal Injury Protection: $40,000 per person per accident
  • Underinsured motorist: $25,000 for one person, $50,000  for two or more people
  • Uninsured motorist: $25,000 for one person, $50,000  for two or more people

Getting Cheap Car Insurance In Minnesota

If you’re looking for cheap car insurance in Minnesota, here are some tips that can help:

  1. Do your research: A  brokerage, such as Cheap Insurance, can help you save time and money by getting quotes from multiple companies with just a few clicks.
  2. Use a telematic device: These tracking devices are placed in your vehicle, with your driving data transmitted to the car insurance provider. While this program can help you save a lot of money, you may not want your driving habits monitored. 
  3. Downsize: Large trucks and sports cars are more expensive to insure. If you want to save money, consider an older, smaller vehicle. 

Minnesota Car Insurance Discounts

If you’re looking to save money on car insurance coverage in Minnesota, consider these discounts:

  • Good Driver: Drivers with no claims history may be eligible to save up to 30%.
  • Good Student: High school or college students with at least a 3.0 GPA can save up to 20%.
  • Defensive Driving: Minnesota drivers can save 10% on their insurance by taking a defensive driving course.
  • Anti-Theft Systems: Car alarms, steering wheel locks, and other anti-theft devices can help you save 5-25%.


What is the average car insurance cost in Minnesota?

The average cost for full car insurance coverage in Minnesota is $1,643 per year.

How much is car insurance per month in Minnesota?

The average cost for full car insurance coverage in Minnesota is approximately $137 per month.

What is the penalty for driving without insurance in Minnesota?

Your driver’s license, registration, and license plates will be suspended for a first offense for 30 days. You may also have to pay up to $1,000 in fines.

What is driving like in Minnesota?

Most people in the state live in the Minneapolis-St.Paul area, so that can get very crowded. There is a lot of snow during the winter, so driving during that time can be even more difficult. At 10%, the rate of uninsured motorists is below average.

How can I save money on my car insurance policy in Minnesota?

Cheap car insurance in Minnesota is possible. Here are some tips:

  • Review your policy every six months. If you find a better deal elsewhere, take it!
  • Always pay your policy in full. There are usually fees involved when you split it up into smaller payments. 
  • If you served in the military, ask about discounts. Many car insurance providers offer them.

Other Types of Coverage

If you live in Minnesota, you may want more than the minimum coverage. Here are some optional car insurance coverages to consider:

Medical Payments Coverage

Also known as “med pay,” this insurance pays for medical bills, coinsurance, and deductibles for drivers and passengers.

Physical Damage Coverage

There are two types of physical damage coverage: comprehensive and collision. Collision coverage pays for damage caused by hitting something, while comprehensive coverage is for damage caused by theft, vandalism, and weather issues. 

Additional kinds of coverage: Comprehensive Coverage also covers you if you hit wildlife, a not-so-rare occurrence in Minnesota.

Endorsements and Riders

Towing and road service: This insurance provides coverage for breakdowns while on the road. It includes flat tires, jump-starts, and towing.

Rental car reimbursement: This coverage provides you with reimbursement when paying for a rental car.

Gap insurance: You may have a “gap” between what you owe on your vehicle and what it’s actually worth. Gap insurance covers the difference, so you’re not left scrambling to come up with thousands of dollars in the event of an accident.

Cities We Cover In Minnesota

For cheap car insurance in Minnesota, get a quote from Cheap Insurance. We cover these cities in the state:

Average Annual Premiums in Minnesota = $1,453 | via Insure.com

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