Cheap Minnesota Auto Insurance for 2021

Minnesota auto insurance laws require drivers to have 30/60/10 liability coverage as well as no-fault personal injury protection coverage. Comprehensive and collision coverage can be more expensive, but the average Minnesota auto insurance rates are $96 per month, which is less than the national average. Compare Minnesota insurance quotes before you buy to get the best price.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 14, 2021

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Before you buy Minnesota auto insurance, there are a few things you should know about Minnesota auto insurance minimums and requirements, rates, and rating factors.

Known as the “North Star State,” Minnesota is a relatively large state home to The Twin Cities of Minneapolis and St. Paul, a large metropolitan area with a lot of traffic. With so many drivers on the road, it’s very important to be well-informed and properly insured. Understanding auto insurance is key to making sure you’re covered in Minnesota.

To find affordable Minnesota auto insurance right now, enter your ZIP code above. You’ll get fast, free Minnesota auto insurance quotes from top companies.

Minnesota Auto Insurance Laws And Requirements

In Minnesota, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $30,000 per person
  • Bodily Injury Liability Coverage – $60,000 per accident
  • Property Damage Liability Coverage – $10,000 per accident

Take a look at how Minnesota’s minimum rates compare with surrounding states.

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Minnesota also requires uninsured/underinsured Motorist coverage with these minimums:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident

Finally, the no-fault laws in Minnesota require you to carry personal injury protection (PIP) coverage at these minimums:

  • $20,000 for medical coverage
  • $20,000 for loss of income

In addition to the requirements, there are Optional coverages in MN that include:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing Coverage

When it comes to insurance, a state usually has to follow one of two systems, a tort system or a no-fault auto insurance system. The state of Minnesota has a no-fault system, which makes it so that any injury claims will be paid by your insurance company regardless of who was at fault.

Of course, the amount they pay is capped at a certain limit, but payments for injury claims will still be paid to their maximum limit. Because the state follows a no-fault system, it makes it harder for the person who wasn’t at fault to sue for more payments.

But even with a no-fault system, the state of Minnesota still has a set of minimum limits for liability. The first set of limits are minimum requirements for bodily injury liability and property damage liability. These liabilities are required by the state to cover for any damages to people in the other vehicle when you are at fault.

The minimum for bodily injury is $30,000 per person and $60,000 for all people injured in the accident.

The state also requests a minimum of $10,000 in coverage for property damage. This would cover any damages to the other person’s car in an accident where you are at fault. Once again, these listed values are minimum requirements, so they may not always be enough to cover everything you need. 

With these liability limits, the state also requires all insured drivers to have personal injury protection (PIP). This coverage helps to pay for any immediate medical expenses for you and your passengers regardless of fault. The minimum coverage required here is $40,000 total (20,000 for medical coverage and 20,000 for loss of income coverage).

Another important requirement is uninsured/underinsured motorist bodily injury. This coverage prevents you from paying out of pocket if you find yourself in a car accident with an uninsured driver or a driver who doesn’t have enough coverage. The minimum requirement for bodily injury is at least $25,000 per person and $50,000 per accident.

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Minnesota Auto Insurance Rates

Because Minnesota is a no-fault state, the insurance rates are a bit higher when compared to other states. This is partly because the insurance company always has to pay out on claims even if you’re not at fault. This extra pressure on the insurance company can raise the price of insurance, as can fraud, which is more common with no-fault insurance.

When looking at the prices of auto insurance from a distance, the premiums don’t seem too bad. The average rate in Minnesota is about $1,160, which is roughly $300 less than the national average.

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This average rate also covers the rural areas, whereas a majority of Minnesota’s population is in the cities. In the cities, the insurance rates aren’t as pretty. In both major cities, Minneapolis and Saint Paul, the prices are about $1,700 each — about $300 more than the national average.

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The way prices fluctuate between urban and rural areas is extreme, so it’s always a good idea to look deeper before making a snap call.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Minnesota Auto Insurance Rates by Company

Most of the top auto insurance companies in the nation operate in Minnesota. Though the state boasts fairly cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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Minnesota Auto Insurance Agents

Take a look below for a list of Minnesota auto insurance agents.

Minnesota Auto Insurance Agents

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Additional Minnesota Automobile Insurance Information

Below you will find a list of official sources for assistance with Minnesota car insurance and driver licensing.

Ready to compare Minnesota auto insurance rates? Just enter your ZIP code for free quotes from top Minnesota auto insurance companies.

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State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Minnesota Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Minnesota
Average Monthly Auto Insurance Rates by Age & Gender in Minnesota
Minnesota Auto Insurance Rates by Company vs. State Average
Minnesota Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Minnesota Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Minnesota
Average Monthly Auto Insurance Rates by Age & Gender in Minnesota
Minnesota Auto Insurance Rates by Company vs. State Average
Minnesota Auto Insurers by Market Share %