Driving in Minnesota: Statewide Stats

Minnesota roads can be crowded! Thankfully, there are plenty of ways to save money, especially when exploring the options for cheap insurance Minnesota can offer. Before hitting the road, make sure you’re not only covered, but paying the lowest available rate for that coverage.

There are over 5 million registered vehicles in the state of Minnesota, for 3.3 million licensed drivers. Despite being the 12th largest state in terms of land mass, 60% of the population lives in the Minneapolis-Saint Paul metro area (the “Twin Cities”), so as you can expect, auto insurance rates for that territory are significantly higher than the rest of the state.

Despite the excellent public transportation in the major urban areas, there are still higher rates of traffic accidents, as most commuters still prefer their automobiles. Crash Facts compiled by Minnesota Department of Public Safety showed an increase in traffic deaths for the 4th straight consecutive year with 368 in 2011.

Insurance Facts

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State Car Insurance Requirements

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Helpful Resources

DMV website

The Minnesota Department of Transportation website may be found here. Most vehicle issues are handled by Minnesota’s Department of Public Safety, which may be found here.

Registration Information

Vehicle registrations are conducted in person at any of Minnesota’s 174 Motor Vehicle Deputy Registrar Offices, a full listing of which may be found here.

New residents must transfer their registrations within 60 days of becoming a Minnesota resident. Registration fees and taxes are based on the age of a vehicle; a chart explaining the rates may be found here.

DUI Information

There are over 30,000 DUI convictions in Minnesota each year. While IIDs are required for all offenders with a BAC of .16 or greater, legislation is being proposed that would required the interlock devices for all offenders, regardless of BAC levels.
If you are convicted of a DUI in Minnesota, you can face the following penalties:
More information can be found here.

The Bottom Line

Minnesota is the land of Pronto Pups, cheese curds, The The Mighty Ducks, Lake Wobegon, and all-around friendly people. “Minnesota nice” is a stereotype for a reason!

Whether you live in the Twin Cities, or elsewhere in the state, auto insurance rates can vary a great deal, so we recommend having a licensed professional review your policy at least twice a year. If you are in the market, give us a call or, if you prefer local help, check out one of our city pages below.

We Have Your Town Covered!

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