Shopping for cheap car insurance in Minnesota starts with comparing equivalent coverage from several insurers. Minnesota requires more than basic liability: drivers must also carry $40,000 of no-fault PIP and both uninsured and underinsured motorist coverage. Rates can vary by ZIP code, driving history, vehicle, mileage, prior insurance, credit history where permitted, coverage limits, deductibles, and company. Use the quote form to compare Minnesota car insurance quotes, then review the 2026 average rates, minimum requirements, full-coverage options, PIP rules, and discounts below.
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 combines mandatory no-fault PIP and required UM/UIM protection with severe winter driving, hail, flooding, rural highways, and substantial deer-collision exposure. Minnesota Commerce specifically lists hail, animal collisions, floods, theft, fire, falling objects, and vandalism among losses that comprehensive coverage can address. University of Minnesota transportation research also notes that police reports substantially understate deer collisions, with insurance-claim estimates suggesting roughly 40,000 deer-vehicle collisions annually statewide.
Minnesota car insurance rates can vary substantially between Minneapolis, St. Paul, Twin Cities suburbs, Duluth, Rochester, St. Cloud, Mankato, Moorhead, northern counties, lake communities, farming areas, college towns, and rural roads. Minnesota Commerce says rates can reflect age, gender, marital status, vehicle type, mileage and driving habits, driving record, credit history, prior claims, coverage selections, deductibles, and discounts. Compare Minnesota auto insurance quotes using identical coverage because the cheapest minimum-coverage company may not also provide the lowest full-coverage price.
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 per accident, $40,000 personal injury protection per injured person, uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident, and underinsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident
No Fault
Required
Minnesota requires Personal Injury Protection (PIP), also called basic economic loss or no-fault coverage. The minimum benefit is $40,000 per injured person: $20,000 for medical expenses and $20,000 for income loss, replacement services, funeral expenses, survivor economic loss, and survivor replacement services. PIP applies regardless of who caused the accident, subject to policy terms and statutory rules.
Required
Minnesota requires both uninsured motorist and underinsured motorist bodily injury coverage. Each must provide at least $25,000 per injured person and $50,000 per accident. Uninsured motorist coverage can help after PIP benefits are used when an at-fault driver has no insurance, while underinsured motorist coverage can help when the at-fault driver has liability insurance but not enough to cover the qualifying bodily injury loss.
Source: Minnesota Department of Commerce
Recent rate data estimates Minnesota annual auto insurance premiums at about $2,549 for full coverage and $650 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, age 35, full coverage | ~$2,549/yr (~$212/mo) |
| Clean record, age 35, minimum required coverage | ~$650/yr (~$54/mo) |
NerdWallet August 2026 Minnesota average annual rates for a 35-year-old driver with good credit and a clean driving record; approximately $212 per month for full coverage and $54 per month for minimum required coverage.
Source: NerdWallet 2026
Average premiums are estimates, not quotes. Actual Minnesota car insurance rates vary by ZIP code or garaging location, age, gender, marital status, driving and claims history, credit history where permitted, vehicle make and model, mileage and vehicle use, coverage limits, deductibles, prior insurance, discounts, and insurance company.
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 per accident, $40,000 personal injury protection per injured person, uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident, and underinsured motorist bodily injury coverage of at least $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.
Minnesota minimum insurance does not pay for physical damage to your own vehicle caused by most crashes or non-collision events. Minnesota Commerce says optional comprehensive coverage can cover losses such as theft, hail, falling objects, vandalism, animal collisions, fire, and flooding. Collision coverage applies to qualifying crash damage. These coverages can be particularly relevant for Minnesota drivers facing winter weather, hailstorms, flooding, and deer collisions.
Sources: Minnesota Department of Commerce , NOAA National Centers for Environmental Information , University of Minnesota Center for Transportation Studies
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 official sources reviewed for this page generally use the term “certificate of insurance” rather than describing SR-22 as the state’s standard reinstatement filing. Minnesota Statutes Section 169.797 allows the commissioner to require a written certificate from an authorized insurer before reinstating a driver license or vehicle registration after certain no-insurance actions. In some cases the certificate may be required to be noncancelable for a period of up to one year. Drivers should follow the exact certificate or filing requirement stated on their DVS, court, or suspension notice rather than assuming a standard SR-22 period.
Minnesota official auto-insurance and reinstatement sources reviewed for this page do not identify FR-44 as a standard Minnesota 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 looking for affordable auto insurance should compare several insurers and ask about discounts for clean driving records, multiple policies, multiple vehicles, vehicle safety or security equipment, low mileage, good students, telematics, and other company-specific programs. Drivers age 55 or older have an additional state-specific opportunity: Minnesota law requires at least a 10% premium reduction for qualifying insureds who complete an approved accident-prevention course.
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 the NAIC 2024 Minnesota Total Private Passenger Auto group-level direct written premium market-share report. State Farm and Progressive together account for 46.33% of Minnesota private-passenger auto premium. Market share measures premium volume and should not be interpreted as a ranking of price, claims quality, or confirmation that a carrier participates in this site’s quote marketplace.
Find auto insurance in these major Minnesota cities:
NerdWallet’s August 2026 analysis estimates the average cost of car insurance in Minnesota at $2,549 per year, or about $212 per month, for full coverage and $650 per year, or about $54 per month, for minimum required coverage for a 35-year-old driver with good credit and a clean driving record. Minnesota’s minimum-coverage benchmark is almost identical to NerdWallet’s $646 national average, while its full-coverage average is above the $2,356 national benchmark. Your own rate can vary substantially by ZIP code, driving history, vehicle, mileage, prior coverage, deductibles, discounts, and insurer.
Minnesota requires 30/60/10 liability insurance: $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $10,000 property damage liability per accident. Drivers must also carry $40,000 of Personal Injury Protection per injured person plus separate uninsured and underinsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident for each coverage.
No. Minnesota’s current statutory private-passenger minimums remain 30/60/10 liability, $40,000 PIP, and 25/50 uninsured and 25/50 underinsured motorist coverage. A 2026 bill proposed substantially higher liability and UM/UIM limits with an August 1, 2026 effective date, but that bill did not advance beyond introduction and did not change current Minnesota law.
Minnesota’s minimum PIP benefit is $40,000 for each person injured in a covered accident. State law divides that minimum into $20,000 for medical expenses and another $20,000 for qualifying income loss, replacement services, funeral costs, survivor economic loss, and survivor replacement services. No-fault benefits apply regardless of who caused the crash, subject to the policy and statutory rules.
Minnesota Department of Commerce says no-fault claims generally must be made within six months of the accident. Notify your insurer promptly, complete the required benefits application, provide proof of expenses, and submit medical bills and other qualifying losses as they arise rather than waiting until the six-month period is nearly over.
Yes. Minnesota requires all three. The minimum PIP benefit is $40,000 per injured person. Separate uninsured and underinsured motorist bodily injury coverages must each provide at least $25,000 per person and $50,000 per accident. This makes Minnesota’s minimum insurance package broader than states that allow drivers to reject UM or UIM coverage.
“Full coverage” is not a policy defined by Minnesota law. The term usually means Minnesota’s required liability, PIP, UM and UIM coverages combined with collision and comprehensive protection for your own vehicle. Minnesota Commerce says comprehensive can cover qualifying losses such as fire, theft, hail, falling objects, vandalism, animal collisions, and floods, while collision covers covered crash damage.
Compare several insurers using the same liability, PIP, UM/UIM limits and the same collision and comprehensive deductibles. NerdWallet’s August 2026 analysis found Travelers had the lowest statewide average full-coverage rate among the insurers it analyzed, but the cheapest insurer for you can differ based on your driving record, ZIP code, vehicle, mileage, credit history where permitted, and discounts. Compare personalized quotes rather than assuming one company is always cheapest.
There is no single cheapest car insurance company in Minnesota for every driver. Compare several quotes using identical coverage, check every available discount, maintain continuous insurance and a clean driving record, and shop again periodically. Minnesota Commerce specifically recommends comparing several companies and warns that the legal minimum may not provide enough protection for your assets after a serious accident.
Use the same drivers, vehicles, 30/60/10 or higher liability limits, $40,000 or higher PIP, UM/UIM limits, collision and comprehensive options, and deductibles with each company. A lower quote may simply contain less optional coverage or higher deductibles. Comparing equivalent policies makes it easier to identify which Minnesota insurer is actually offering the better price.
Minnesota Department of Commerce says insurers may consider factors including age, gender, marital status, vehicle make and model, driving habits and annual mileage, driving record, credit history, prior claims, selected optional coverage, deductibles, and available discounts. Each insurer weighs permitted factors differently, which is why two companies can quote very different premiums for the same Minnesota driver.
Liability-only insurance does not pay to repair your own vehicle after hitting a deer. Minnesota Commerce lists animal collisions among the losses generally handled by comprehensive coverage. Deer collisions are a significant Minnesota risk, particularly on rural roads, so drivers should compare comprehensive coverage and deductibles if paying for a major animal-strike repair out of pocket would be difficult.
Minnesota requires vehicle owners to maintain complying insurance. State law sets a minimum $200 fine for a qualifying conviction, although community service can be allowed in place of a fine for an indigent defendant. A conviction can also lead to driver-license revocation for up to 12 months and, when the driver owns the vehicle, registration revocation for up to 12 months. Proof of compliant insurance is required before reinstatement.
Yes. Minnesota law requires an appropriate premium reduction of at least 10% for qualifying insured drivers age 55 or older who successfully complete an approved motor vehicle accident-prevention course or refresher course. Drivers 55 and older should verify that the insurer has applied the statutory reduction after completing an approved course.
Minnesota has a statutory Automobile Insurance Plan for drivers who cannot obtain coverage through ordinary voluntary insurers. AIPSO says applicants generally must certify that they tried and failed to obtain Minnesota auto insurance within the previous 60 days at a rate no higher than the Plan rate. Licensed Minnesota auto insurance agents and brokers can submit eligible applications. Because the Plan is intended as a residual-market option, drivers should compare voluntary-market insurers first.
Minnesota official sources reviewed for this page generally describe required proof after certain insurance suspensions as a certificate of insurance rather than using SR-22 as the standard Minnesota term. Section 169.797 allows DVS to require a written insurer certificate before reinstatement and, in some cases, to require that certificate to remain noncancelable for up to one year. Follow the exact filing requirement on your Minnesota DVS or court notice.
According to the NAIC 2024 Total Private Passenger Auto market-share report, Minnesota’s five largest insurance groups were State Farm at 24.45%, Progressive at 21.88%, American Family at 9.32%, Farmers at 5.30%, and Auto-Owners at 5.03%. State Farm and Progressive together account for 46.33% of the market. Market share measures premium volume and is not a ranking of price, claims service, or which company will offer you the cheapest quote.
Some insurers can issue Minnesota car insurance with a same-day effective date once the application, underwriting requirements, and payment are completed. Confirm the exact effective date and time before driving, and do not cancel an existing policy until the replacement coverage is active.
Compare Minnesota car insurance quotes regularly and ask about clean-driver, multi-policy, multi-car, good-student, low-mileage, anti-theft, vehicle-safety, telematics, paperless, automatic-payment, and other insurer-specific discounts. Drivers age 55 or older should also consider an approved accident-prevention course because Minnesota law requires at least a 10% premium reduction for qualifying insureds who complete one.
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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.
