30 Seconds Summary
  • The average car insurance cost in Minnesota is $134 per month or $1,619 a year for a full coverage policy.
  • Geico & State Farm have the cheapest auto insurance in Minnesota for state minimum policy.
  • 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 PIP.
  • Auto Club of Southern California & USSA are the top carriers in Colorado ranked for best customer service.

How much is average car insurance in Minnesota, MN?

The average car insurance rate in Minnesota is $614 a year. That’s just $40 more than the nationwide average ($574), making it among the least expensive states for auto coverage. Here are annual and average monthly car insurance rates for common policy amounts for drivers in Minnesota:

  • State minimum liability: $51 monthly, $614 yearly
  • 50/100/50: $55 monthly, $663 yearly
  • 100/300/100 with comprehensive and collision, $500 deductible: $135 monthly, $1,619 yearly

Minnesota car insurance requirements

In Minnesota, state laws require that you have minimum liability coverage limits of 30/60/10. That means your policy will pay $30,000 for medical costs to those you injure in an accident, up to $60,000 per accident, and $10,000 for damage you cause to other cars and property. Your state minimum liability insurance, outlined below, does not pay for damage to your car.

Minimum CoverageMinimum Limit
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 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).

Car Insurance in MN by ZIP Code – Average Rates


Minnesota Car Insurance Rates by ZIP Code

Coverage Types
*Please enter valid Zip
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others. Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
55107, St. Paul,  For 30 Year Old  Male  (Type:  Liability - Minimum )
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Compare personalized quotes from up to 20 companies in Minnesota now

Car insurance rates in the Minneapolis ZIP code 55411 ($2,292) can run about $900 higher than those in Truman, ZIP code 56088 ($1,374), the city with the cheapest car insurance in Minnesota, about two hours south.

Enter your ZIP code, gender, age and choose from among three coverage levels to see the average car insurance rate for your neighborhood, as well as the highest and lowest rate fielded from up to six major carriers. The difference between the highest and lowest rate is what you can potentially save by comparing car insurance quotes.

Many factors affect how much you pay for car insurance and where you live is chief among them. Insurance companies consider the cost and frequency of claims in your neighborhood when calculating your rate, and then adjust it based on other factors such as your age, your driving record, your credit and the type of car you drive. Each insurer uses its own formula. That’s why the cost for the same policy can vary significantly among insurance companies — and why you should compare rates.

Best car insurance in Minnesota

CarInsurance.com’s customer review survey asked policyholders about their company’s claims handling, customer service, price and mobile apps/website usefulness. A weighted score on these metrics was applied to each company to rank major carriers. 

1Auto Club of Southern California (Auto Club Enterprise Insurance Group)92.06
2The Auto Club Group (ACG) – AAA91.00
5CSAA Insurance Group87.58
6Liberty Mutual86.93
8The General85.53
12State Farm83.51
13American Family83.07

Cheap car insurance quotes in MN

Geico had the cheapest quotes for Minnesota drivers buying liability insurance only, based on CarInsurance.com’s data analysis of up to six major carriers in every ZIP code of the state. State Farm was cheapest for full coverage. For state minimum, State Farm cost about $105 more than Geico, and just about $115 more for standard liability coverage. Beating out Geico on price for full coverage, State Farm is $110 cheaper for a policy including comprehensive and collision with recommended liability limits.

Below you’ll see average annual rates for Minnesota, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
CompanyState minimum50/100/50100/300/100
State Farm$452$495$1,278
Illinois Farmers$855$916$1,764

As you can see, rates vary quite a bit, which is why it pays to compare car insurance quotes at least once a year. Based on the rates above, for example, if you bought an Amco policy for $881 without shopping around, you’d pay $536 more than you should for the exact same policy. Note that these are averages — your rate will depend on your own driver profile and how that’s reviewed by your insurer.

Who has the cheapest car insurance in Minnesota?

The cheapest car insurance company in Minnesota for drivers with recent accidents is State Farm, among major carriers analyzed by CarInsurance.com. State Farm also had the lowest rates for drivers with speeding tickets, for those adding a teen driver to their policy and for drivers with bad credit.

Filing an accident claim, getting a speeding ticket, adding a teen driver to your policy or having bad credit are all scenarios that will likely increase your car insurance rates. However, how much more you pay depends on several factors, and your car insurance company is one of those significant factors. Each company assesses risk differently, so that’s why the increase will vary among insurers. In Minnesota, you can save the following amounts, on average, by comparing rates, based on our analysis:

  • $6,000 after an accident
  • $1,174 after speeding citation
  • $2,670 after adding teen driver
  • $2,370 if have bad credit

Cheap car insurance for young drivers and seniors in Minnesota

Based on CarInsurance.com’s rate analysis for a full coverage policy, Geico, State Farm and American family are the cheapest car insurance companies for drivers the following ages:

  • Ages 18: State Farm
  • Age 19: American Family
  • Ages 20 to 24: Geico
  • Age 25, 65, 75, 85: American Family

Expert’s Recommendation : Getting Best cheap car insurance in MN (Minnesota)

Finding cheap car insurance is relatively straight-forward — you compare quotes for the same amount of coverage and pick the company with the cheapest rates. Finding the best car insurance companies for your particular needs is also fairly simple. You research companies to see how well they match up to what’s most important to you. For instance, those that have excellent customer service, offer the most discounts for your driver profile and that offer services you want, which could include things like roadside assistance, mobile apps or the option of a usage-based policy. Deciding which company has the best cheap car insurance for you just involves mixing these processes together. Here’s how:

  • Read customer reviews to see which companies have great customer service
  • Check their discount offerings to see how many you qualify for
  • Review the types of services they have to be sure what you want is offered, for instance roadside assistance, or rental car reimbursement or mobile apps
  • Check to see if they offer the type of coverages you want, for example, vanishing deductibles or accident forgiveness, usage-based car insurance, motorcycle or boat coverage so you can get a bundle discount
  • Once you have a list of contenders, you’ll typically see that they vary a bit in regard to what services or discounts they offer, so make a note of that
  • Then compare rates for the same amount of coverage and see which one is the most affordable

It may be that even after vetting carriers for what’s important to you, the one with the cheapest rates might not be the best fit if, say, it has lower customer satisfaction ratings than another or has fewer of the services you value most. So, then, you really have to use your judgment on which company has the best-suited service for you for the price.

Best for customer service

  1. Auto Club of Southern California
  2. USAA
  3. CSAA Insurance Group
  4. Mercury
  5. Liberty Mutual
  6. The Auto Club Group (ACG) – AAA
  7. Travelers
  8. Nationwide
  9. Hartford
  10. Metlife
  11. Safeco
  12. State Farm
  13. Erie
  14. American Family
  15. Esurance
  16. Farmers
  17. Allstate
  18. The General
  19. Geico
  20. Progressive

Minnesota car insurance laws

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.

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Michelle Megna
Contributing Researcher

Michelle is a writer, editor and expert on car insurance and personal finance. She's a former CarInsurance.com editorial director. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.