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Minnesota Car Insurance


Car insurance rates in the Twin Cities can run about $600 higher than those in Elmore, the city with the cheapest auto insurance in Minnesota, about two hours south. You can see comparable state car insurance rates for every city and town in Minnesota below. Enter a ZIP code, choose an age group and coverage level to see the highest and lowest rate for your area fielded from major insurers. That way you can know what to expect to save by shopping around.

Minnesota Car Insurance Requirements
Average Car Insurance Rates in Minnesota
Car Insurance Companies in Minnesota

Minnesota car insurance requirements

Minnesota state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $30,000/$60,000
Minimum property damage liability $10,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Personal injury protection $40,000

Minnesota Car Insurance Laws

Penny Gusner
Consumer Analyst

Minnesota has a no-fault car insurance law. If you're injured in an auto accident, no matter whose fault, you claim against your own personal injury protection (PIP) coverage first. If your PIP limits are exceeded, then claims can be made against the at-fault party's bodily injury liability coverage.

Minnesota requires a minimum of $40,000 in PIP; $20,000 of that amount is allowed for medical expenses, and $20,000 may be used for lost wages or other nonmedical expenses.

In addition to PIP, Minnesota mandates bodily injury liability coverage of at least $30,000 per person ($60,000 per accident), plus $10,000 of property damage liability. This property damage limit is low; if you have savings and a home to safeguard, we recommend you increase all of your liability limits.

Uninsured motorist bodily injury (UM) and underinsured motorist (UIM) are separate coverages, but both are required as part of a Minnesota auto insurance policy with limits of $25,000 per person ($50,000 per accident).

Like ice fishing? If you regularly drive onto one of Minnesota's 11,842 lakes while ice-fishing, you'll want comprehensive insurance … just in case. Collision coverage won't pay if you fall through.

Rental car coverage: Minnesota law mandates that every car insurance policy include, under the property damage liability section, $35,000 in coverage for damage to (or loss of use of) a rental car -- without a deductible being due.

Discounts: State law requires auto insurers offer drivers age 55 and older a 10 percent discount for completing an approved defensive driving course. A discount of 5 percent off of comprehensive is required for vehicles with an anti-theft device.

Electronic proof of insurance: Minnesota law allows an insurance identification card to be provided in electronic format.

Uninsured motorist penalties for Minnesota: You may be fined $200 to $1,000, be sentenced to 90 days in jail, have your license and registration suspended and have your car impounded.

Largest car insurance companies in Minnesota by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 703,638 23.74
2 Progressive Insurance Group 409,758 13.82
3 Amer Family Insurance Group 335,542 11.32
4 Farmers Insurance Group 250,636 8.46
5 Allstate Insurance Group 161,117 5.44
6 Liberty Mutual Insurance Companies 112,373 3.79
7 Auto-Owners Insurance Group 85,182 2.87
8 Berkshire Hathaway Insurance 82,491 2.78
9 USAA Group 77,017 2.60
10 Auto Club Group 76,964 2.60
Source: A.M. Best market share rankings are based on direct premiums written in 2013.

Minnesota Car Insurance Laws

Car Insurance in Minnesota Cities