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Cheap car insurance in Minnesota

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How to get the best car insurance in Minnesota

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.

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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.

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

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Name Product Roadside assistance New car protection Accident forgiveness Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

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Most popular Minnesota auto insurance companies list

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.

Optional coverage in Minnesota

If you plan to drive along Minnesota’s picturesque roads, you might want additional coverage for peace of mind. If you lease a car or have a loan on your vehicle, it may not be a choice — many banks and dealerships require comprehensive insurance during the life of the loan or lease.

Most car insurance providers offer optional protection that includes:

  • Comprehensive. Pays for repairs if your car is damaged by something other than an accident — for instance, a fire or vandalism.
  • Collision. Helps with repairs if your car is damaged in an accident
  • Loan/lease gap coverage. If an accident totals a car that you’re financing or leasing, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.
  • Emergency Roadside Service. Helps cover the costs associated with emergencies that tend to leave you on the side of the road: towing your vehicle to a repair shop if it is not able to be driven, changing a tire, etc.
  • Custom parts and equipment (CPE). Helps cover permanently installed custom parts or equipment, devices, accessories, enhancements, etc. that alter the vehicle’s performance or appearance.

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What if I’m caught without car insurance in Minnesota?

When driving in Minnesota, you’ll need to keep proof of insurance in your vehicle at all times. Drivers who can’t produce proof risk losing their license, registration and license plates for up to a year, in addition to a $30 fee to get them back. You could also be required to pay between $200 and $3,000 in fees — or even face jail time.

Digital ID cards on smartphones or other devices can also serve as valid proof of insurance, according to Minnesota state law.

Uninsured drivers in Minnesota

In Minnesota, about 11% of all motorists are uninsured or underinsured, which is near the national average of 12.6%. To protect yourself against these motorists, uninsured or underinsured motorist insurance.

Drunk driving laws in Minnesota

Minnesota’s drunk driving laws use the same standards as the rest of the US — having a BAC over 0.08% is enough to get a DUI, and if you’re a commercial driver, all it takes is a BAC of 0.04%.

Anyone who’s caught driving under the influence of alcohol or drugs can expect some stiff fines, a license suspension and possibly even jail time or community service hours, depending on the severity of the offense. For example, if you have a minor in the vehicle when arrested for DUI, if your BAC is above 0.16% or if you cause severe damages or bodily injuries you can expect a longer jail sentence, larger fines and a longer license suspension or revocation.

DUI OffenseJail timeFines and feesLicense suspension>Restricted driving>
FirstUp to 90 daysUp to $1,00030-90 daysPossible
SecondUp to 1 yearUp to $3,000Up to 1 yearPossible if IID (Ignition Interlock Device) is used
ThirdUp to 1 yearUp to $3,0003 yearsPossible 3-year restricted license after license revocation sentence is served
Fourth (felony charge)Up to 7 yearsUp to $14,0004-6 yearsPossible 3-5 years of restricted driving after suspension is served; vehicle may be forfeited

Minnesota’s implied consent law

If you’re driving in Minnesota, the police have de facto consent to perform a roadside alcohol breath test or field sobriety test if they suspect you’ve been drinking. This means if you refuse a sobriety or alcohol breath test for any reason, you’re likely to face fines, a license suspension and even jail time — and that’s regardless of whether you were even drinking in the first place.

Because of this law and the consequences of violating it, most lawyers recommend taking a breathalyzer or sobriety test when a police officer asks you to.

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.

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What happens after an accident in Minnesota?

While you can hope you’ll never be involved in an accident in Minnesota, it’s best to prepare. From fender benders to multicar collisions, you’ll want to first make sure all parties are OK before lining up your info to process a claim.

  1. Safety first. Ensure that no one involved or near the accident has been injured. If everyone is OK and you don’t think it’s dangerous, try to move your vehicle to the side of the road. It’s usually a good idea to give the local police a call so they can help.
  2. Exchange information. You’re legally required to provide your insurance and contact information to drivers involved in an accident. Don’t forget to take down their information too, including details like their vehicle’s make and model, their insurance policy and how to contact them.
  3. Notify your insurance agent. Call your insurance company before you leave the scene. An agent will be able to guide you through more specific next steps and answer any questions you have.
  4. Document the scene. Take pictures of the scene from multiple angles, focusing on any damages. Get the contact information of any potential witnesses.

Who’s at fault after an accident?

Minnesota is one of the handful of states in the US that requires drivers to carry no-fault insurance or personal injury liability coverage. This protects drivers and passengers involved in car accidents — regardless of who’s at fault for the crash.

When speaking with other drivers or witnesses, do not admit fault to them — even if you feel guilty or the accident was clearly your fault. If you do admit guilt, your car insurance company could refuse to pay your claim.

What is no-fault insurance?

No-fault insurance applies to bodily injury and not damages to your car. If another driver damages your car or other property in an accident, file a claim with their insurance company rather than your own. The other driver’s property damage liability coverage should help pay the damages.

When should I report an accident to the authorities in Minnesota?

In Minnesota, you’re required to report an accident to the police immediately if you’re involved in an accident that results in injury, death or damages of $1,000 or more to the property of any one person.

Not reporting a serious accident could have large consequences, including felony charges if the damages or injuries were severe enough. If you’re not sure whether to report an accident, it’s usually best to contact the local police department and explain your situation — they’ll know whether it warrants an official accident report or investigation.

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.

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Frequently asked questions about Minnesota car insurance

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