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Compare car insurance in Minnesota

Get the cheapest car insurance in Minnesota for 2021

In Minnesota, expect to pay $971.66 per year or about $81 per month for car insurance on average, according to the National Association for Insurance Commissioners (NAIC). Minnesota drivers stand to pay 18% less than the national average for car insurance, which is $1,190 annually.

However, the NAIC averages both state minimum coverage policies alongside policies with more coverage added, such as comprehensive and collision. Because many outside factors like your driving record and exact car influence your rates, you could end up with a higher or lower rate than Minnesota’s average.

Minnesota car insurance quick facts

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Minimum liability requirements

30/60/10

Average annual car insurance cost according to the NAIC

$971.66

No-fault state

In no-fault states, each driver pays for their own injury-related expenses after an accident.

Minnesota state minimum car insurance requirements

To legally drive in Minnesota, you need to carry liability coverage as well as uninsured or underinsured motorist coverage and personal injury protection. You’ll see the amount of liability coverage required written as 30/60/10. These are called coverage limits that tell you the maximum amount your insurance will pay if you cause a car accident.

Let’s break down what’s covered with this state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $30,000 for bodily injuries per person
  • $60,000 for injuries to more than one person per accident

At a bare minimum, drivers in Minnesota need 30/60 in bodily injury liability, which pays up to $30,000 if you injure one person and $60,000 total if you injure multiple people in the same accident. This coverage is a middle-of-the-road level compared to what other states require.

This coverage kicks in if you’re at fault in the accident and other drivers, passengers or pedestrians get injured. You want ample coverage to avoid paying out of pocket for costly medical expenses.

Property damage liability

Property damage liability

  • $10,000 in property damage liability

Minnesota requires a minimal $10,000 for property damage, which pays out for damage to someone else’s car or personal property like a smartphone, poles or fencing. This amount falls at the low end of state requirements. Think through whether this limit would cover most damage costs for common cars or surrounding property in your area.

Personal injury protection or medical payments

Personal injury protection

  • $40,000 for personal injury protection (PIP)

Personal injury protection in Minnesota covers medical expenses for you and any passengers, regardless of who’s at fault in the accident. You can use this coverage before dipping in to your health insurance coverage, and it applies even if you’re riding in someone else’s car.

This amount of PIP coverage is one of the highest state requirements across US. It covers an ambulance, hospitalization, surgery, dental work, therapy and rehabilitation.

You also can get 85% of lost wages paid up to $500 per week, along with up to $200 per week for housekeeping and other services if you’re limited by injuries. Last, PIP offers up to $5,000 to loved ones for funeral expenses.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $25,000 for uninsured motorist injuries per person
  • $50,000 for uninsured motorist injuries to multiple people

About 20 states require uninsured or underinsured motorist coverage to protect you against drivers that don’t keep adequate insurance coverage, and Minnesota is one of those. This coverage pays for your or your passenger’s medical expenses if you get hit by an underinsured driver. It also kicks in for hit-and-run accidents.

You’ll get up to $25,000 for injuries to one person and $50,000 if multiple people are injured in the accident by the underinsured driver.

Finder tip: Minnesota state minimum coverage isn’t enough

Even though Minnesota’s minimums reflect what many other states require, it may not give you the protection you need against more serious car accidents. Think about upping your limits for bodily injury liability, property damage liability and uninsured or underinsured motorist coverage. In a pinch, balance the cost of extra coverage with what you can fit in your budget.

In Minnesota, each driver pays for their own injury expenses

Minnesota is a no-fault state, which means that you pay for your own medical bills, lost income and other injury expenses after an accident, no matter who’s at fault. File a claim under your personal injury protection for these expenses.

However, the state’s no-fault laws don’t apply to property damage like car repairs, according to the legal website Nolo. Minnesota considers whether drivers are partially at fault under a modified comparative fault law. Under this law, both drivers are assigned a percentage of fault. Drivers who are less than 50% at fault can get paid for damage caused by other drivers.

For example, if you’re 80% responsible for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re over 50% at fault, the other driver isn’t required to pay for your damages.

7 factors that affect car insurance rates in Minnesota

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Minnesotan’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
Gender

Gender

Minnesota takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

Minnesota vehicle theft rates stand at 250 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s above the national average of 246 vehicle thefts per 100,000 inhabitants.

As for uninsured drivers, 9.9% of Minnesotans on the road are uninsured. That’s less than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Minnesota can increase your rate by around 37%. These types of violations typically stay on your record for about three years.
Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Minnesotans drive an average of 53 miles per day, that’s well above the average across the US of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Minnesota drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.

Coverage that we recommend in Minnesota

The purpose of your car insurance is to help you recover financially after a car accident. While Minnesota’s required coverage is a solid starting point, you need extra protection to cover different kinds of accident damage. Coverage you may need:

Higher liability limits

While Minnesota requires limits of 30/60/10 for liability coverage, think about upping those limits on your policy. You need higher protection than the state-required liability in most cases, especially if another driver takes you to court. Go over how much liability coverage makes sense for you with your insurance agent.

Collision

Anytime that you’re on the road, there’s a chance that you could cause a car accident. In at-fault accidents, your collision coverage pays for your car’s damage — if you bought this optional coverage first. Keep in mind that liability coverage pays for someone else’s property damage, not your own.

Consider collision coverage if . . .

  • Your car loan requires it.
  • It costs less than your car’s value.
  • You can’t pay for car repairs or another car out of pocket.
  • You drive your car regularly, such as for commuting.

Comprehensive

Since car theft happens slightly more than average in Minnesota, consider adding comprehensive coverage. This coverage kicks in for noncollision incidents, including theft, vandalism, severe weather or falling tree branches.

Consider this coverage if . . .

  • It’s required for your car loan.
  • You can’t repair or replace your car out of pocket.
  • Your area has a high risk of theft or serious storms.

Gap coverage

If you finance your car, you might need gap insurance to pay off your car loan if your car gets totaled.

For a totaled car, your insurance company pays for your car’s market value minus depreciation. However, the insurance check may not be enough to pay off your loan. Gap insurance can kick in to pay off the rest.

Consider this coverage if . . .

  • You have a car loan.
  • Your loan balance is higher than your car’s depreciated value.

Roadside assistance

Minnesotans drive much more than average. If you fall in this same group, you may want roadside assistance in case your car breaks down. With this coverage, you get a dedicated customer service number — no need to find towing or other services on your own.

Consider this coverage if . . .

  • You rely on your car to get around.
  • You own an older or less reliable vehicle.
  • You don’t have roadside assistance through your car warranty.
  • You’d rather not research service providers on your own after a breakdown.

Top 10 auto insurance companies in USA that serve Minnesota

See the top insurers by market share nationally that serve in Minnesota, according to S&P Global. To help you make the right decision for you, we list each company’s ratings from top rating agencies, including:

  • The Better Business Bureau (BBB) rating scores how a business interacts with its customers, rating insurers as high as A++.
  • J.D. Power scores companies based on customer satisfaction with their price, billing, claims and customer support. The agency scores out of 1,000 points.
  • The National Association of Insurance Commissioners (NAIC) complaint index shows how a company’s number of complaints compares to similar companies. Scores lower than 1.00 show that the company sees fewer than the average number of complaints. Scores above 1.00 show more complaints than average.
  • Finder’s score rates companies based on their coverage, discounts as well as the BBB, J.D. Power and NAIC ratings.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Get Quotes
USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

American Family
A+
815/1000
1.35
2.1

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

Cheapest car insurance in Minnesota

CompanyAverage annual rateLearn more
North Star$280Read review
AAA$328Get a quote Read review
Western National$344Read review
Country Financial$467Read review
State Farm$588
Metromile$611Get a quote Read review
USAA$756Get a quote Read review
Allstate$768Get a quote Read review
Auto-Owners$856
Geico$936Read review

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
Allstate$2396
American Family$1270
Metromile$1375
AAA$1298
Geico$2166

Car insurance quotes in Rochester

CompanyAnnual car insurance rate
Allstate$2154
American Family$1128
Metromile$1275
AAA$1315
Geico$2213

Car insurance quotes in Lakeville

CompanyAnnual car insurance rate
Allstate$2442
American Family$1131
Metromile$1425
AAA$1354
Geico$2121

Car insurance quotes in Andover

CompanyAnnual car insurance rate
Allstate$2594
American Family$1267
Metromile$1394
AAA$1283
Geico$2291

Car insurance quotes in Anoka

CompanyAnnual car insurance rate
Allstate$1029
American Family$789
Metromile$909
AAA$539
Geico$952

Compare car insurance providers in Minnesota

Name Product Gap insurance Homeowner discount Telematics Has an app?
Allstate
Yes
Yes
Drivewise
Yes
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
No
No
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
No
Yes
No
Yes
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
No
Yes
Telematics only
Yes
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Branch
Yes
No
Yes
Yes
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
USAA
No
Yes
Yes
Yes
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Metromile
No
No
Telematics only
Yes
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
Liberty Mutual
Yes
Yes
Yes
Yes
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide
Yes
No
Yes
Yes
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Savvy
Yes
Depends on provider
No
Yes
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
AAA
Yes
Yes
No
Yes
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
Elephant
loan/lease coverage
Yes
No
No
Get a great deal online with steep discounts and some of the highest liability limits available.
State Farm
No
Yes
Drive Safe and Save
Yes
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

Speak to an agent: 877-745-0232

Allied
Yes
Yes
No
No
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
Assurance
Yes
Yes
No
Yes
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Compare up to 4 providers

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.

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.

Frequently asked questions about Minnesota car insurance

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