Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare car insurance in Minnesota

Get the cheapest car insurance in Minnesota for 2020


Minnesota landscape

With a healthy mix of farmland, lake communities, small towns and cities, you’ll typically need a car to experience everything Minnesota has to offer. To legally get behind the wheel, drivers need to carry more coverage than liability insurance. You’ll need coverage protecting not just you but other drivers as well. Compare Minnesota’s high minimum coverage requirements, other coverage options and how to get cheap car insurance in Minnesota.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Compare car insurance providers in Minnesota

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

Compare up to 4 providers

Average insurance costs in Minnesota

Minnesota’s drivers can expect to pay right around the national average for car insurance, which is $1200-1300 annually.

However, because car insurance rates are influenced by so many outside factors, you could still end up with a rate that’s better than average. You could also wind up paying significantly more than you want.

Cheapest car insurance in Minnesota

CompanyAverage annual rateLearn more
North Star$280
Western National$344
Country Financial$467
State Farm$588
CompanyDirect premiums written (billions)Market share
State Farm$901,78123.8%
American Family$457,64812.1%
Auto-Owners Insurance Co.$119,7013.2%
Liberty Mutual$109,1042.9%

Car insurance minimums in Minnesota

Depending on where you live, your state will require specific minimums for car insurance coverage. To legally drive in Minnesota, you need to carry at least:

  • $30,000 bodily injury liability per person.
  • $60,000 bodily injury liability per accident.
  • $10,000 property damage liability per accident.
  • $40,000 personal injury protection per person.

When shopping for car insurance in Minnesota, you may see these liability limits written as 30/60/10.

About 20 states also require that its drivers carry uninsured/underinsured motorist coverage to protect you against accidents with drivers that aren’t adequately covered by a car insurance policy. Minnesota is of those states, requiring:

  • $25,000 uninsured/underinsured motorist coverage per person.
  • $50,000 uninsured/underinsured motorist coverage total per accident.

PIP insurance in Minnesota

Personal injury protection (PIP) in Minnesota covers medical expenses after an accident for you and any passengers, regardless of fault. Typically you can use this coverage before dipping in to your health insurance coverage. You can typically even use your PIP coverage if you’re injured in a taxi or riding in someone else’s car in Minnesota.

You can use PIP insurance to cover expenses including hospitalization, ambulance rides, surgery, dental work, therapy, rehabilitation and funeral expenses (up to $5,000). You can also get up to 85% of lost wages up to $500 per week and replacement services up to $200 per week for housekeeping and meal prep while unable to provide for yourself due to accident injuries. Much like comprehensive claims, PIP claims won’t affect your car insurance rates.

SR-22 insurance in Minnesota

You might need an SR-22 in Minnesota if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Distracted driving in Minnesota

As of August 1, 2019, Minnesota has cracked down on cellphone use and slow drivers in the left lane. Drivers going below the speed limit in the left lane could face a $125 fine. With the hands-free driving law, drivers can only use touch-free or bluetooth devices while driving, with a fine of $275 for breaking the law.

Which city has the cheapest car insurance in Minnesota?

Of Minnesota’s largest cities, Anoka has the cheapest rates and Andover has the most expensive car insurance rates. Andover drivers could face rates 4 times more than Anoka drivers.

Car insurance quotes in Saint Paul

CompanyAnnual car insurance rate
American Family$1270

Car insurance quotes in Rochester

CompanyAnnual car insurance rate
American Family$1128

Car insurance quotes in Lakeville

CompanyAnnual car insurance rate
American Family$1131

Car insurance quotes in Andover

CompanyAnnual car insurance rate
American Family$1267

Car insurance quotes in Anoka

CompanyAnnual car insurance rate
American Family$789

Bottom line

Exploring the best of Minnesota’s attractions might be fun, but it’s sure to involve a lot of driving. Having the most adequate level of insurance coverage for your needs can provide peace of mind while you’re out on the road.

Get the best price on your car insurance by shopping around for the coverage — and discounts — that are right for you. To learn more about these topics, from rules and regulations to finding the best rates and coverage options, visit our comprehensive guide on car insurance.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions about Minnesota car insurance

Read more on this topic

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site