Comparing auto insurance in Minnesota is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Minnesota pricing is shaped by mandatory no-fault PIP, required UM/UIM coverage, Twin Cities congestion, rural highway exposure, severe storms, hail, flooding, winter weather, wildfire smoke and wildfire exposure, and deer collisions. NOAA lists 62 billion-dollar weather and climate disaster events affecting Minnesota from 1980 through 2024, including 38 severe storm events, 12 drought events, 6 flooding events, 3 winter storm events, and 2 wildfire events. University of Minnesota transportation research also notes that reported deer-vehicle crashes undercount the issue, with insurance-claim estimates suggesting roughly 40,000 deer-vehicle collisions per year statewide.
Minnesota premiums can vary between Minneapolis, St. Paul, Twin Cities suburbs, Duluth, Rochester, St. Cloud, Mankato, Moorhead, college towns, lake communities, northern counties, farm areas, and rural roads because traffic density, commute mileage, garaging ZIP code, winter-weather exposure, hail and storm risk, deer collisions, theft risk, local claim patterns, vehicle type, driver history, prior insurance, and carrier pricing differ across the state.
30/60/10 + $40k PIP + UM/UIM 25/50
$30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $10,000 property damage liability, $40,000 personal injury protection per person per accident, uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, and underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident
No Fault
Required
Minnesota requires personal injury protection, also called no-fault coverage. The minimum PIP limit is $40,000 per person per accident, and the Commerce Department guide describes it as coverage for medical or funeral expenses, lost wages, and replacement services regardless of fault.
Required
Minnesota requires both uninsured motorist and underinsured motorist bodily injury coverage. The minimum required limit for each is $25,000 for injuries to one person and $50,000 for injuries to two or more people.
Source: Minnesota Department of Commerce
Recent rate data estimates Minnesota annual auto insurance premiums at about $2,478 for full coverage and $605 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,478/yr |
| Clean record, 35, minimum required coverage | ~$605/yr |
NerdWallet June 2026 Minnesota average annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, discounts, claims history, prior insurance, and carrier.
Minnesota minimum coverage focuses on required protection such as $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, $10,000 property damage liability, $40,000 personal injury protection per person per accident, uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, and underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Minnesota rules use certificate-of-insurance language for certain insurance-related reinstatement situations. Minnesota Rule 7409 defines a certificate of insurance as proof from an authorized insurer that the vehicle or operator will be covered by required reparation security, and Minnesota Statutes Section 169.797 allows the commissioner to require a certificate of insurance before reinstatement in some no-insurance situations. Drivers should follow the exact certificate or filing requirement shown on their DVS, court, or suspension notice.
Minnesota official guidance reviewed for this page does not use FR-44 as a standard state auto insurance filing.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Minnesota auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Minnesota drivers, including:
Minnesota drivers should ask about safe-driver, clean-record, multi-car, bundling, low-mileage, good-student, anti-theft, vehicle safety feature, telematics, paperless billing, automatic payment, and pay-in-full discounts. Minnesota Commerce also tells shoppers to ask about discounts and notes examples such as car alarms, clean driving records, and buying other insurance from the same company.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | State Farm Group | 24.45% |
| 2 | Progressive Group | 21.88% |
| 3 | American Family Insurance Group | 9.32% |
| 4 | Farmers Insurance Group | 5.30% |
| 5 | Auto-Owners Group | 5.03% |
| 6 | Allstate Insurance Group | 4.63% |
| 7 | Berkshire Hathaway Group | 3.99% |
| 8 | United Services Automobile Association Group | 3.81% |
| 9 | Liberty Mutual Group | 3.42% |
| 10 | Travelers Group | 2.43% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Minnesota total private passenger auto group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Minnesota cities:
The estimated average cost of car insurance in Minnesota is $2,478 per year for full coverage and $605 per year for minimum required coverage, based on NerdWallet’s June 2026 Minnesota rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Minnesota requires at least 30/60/10 liability coverage, $40,000 in personal injury protection per person per accident, uninsured motorist bodily injury coverage of 25/50, and underinsured motorist bodily injury coverage of 25/50.
Yes. Minnesota requires PIP, uninsured motorist coverage, and underinsured motorist coverage. PIP is the no-fault part of the policy and helps pay qualifying injury-related costs regardless of who caused the crash. UM and UIM coverage apply after PIP when the at-fault driver has no insurance or not enough insurance.
Minnesota official sources reviewed for this page use certificate-of-insurance language for some insurance-related reinstatement situations. An insurance certificate is not a separate policy; it is proof that required coverage is in place. Drivers should follow the exact certificate or filing requirement shown on their DVS, court, or suspension notice.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Minnesota drivers can compare quotes, maintain continuous coverage, ask about safe-driver, clean-record, good-student, multi-car, bundling, low-mileage, anti-theft, vehicle safety feature, telematics, paperless billing, and payment-related discounts, and review deductibles before renewal.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
