Minnesota Car Insurance
Minnesota's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
30/60/10
+ PIP + UM/UIM
Avg. full coverage
$1,800/yr
Liability system
no-fault
Estimate your Minnesota premium
Estimated annual premium
$1,380
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Minnesota car insurance requirements
Minnesota is a no-fault state requiring 30/60/10 plus PIP and uninsured/underinsured motorist coverage.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Minnesota car insurance FAQ
What is the minimum car insurance required in Minnesota?
Minnesota requires at least 30/60/10 in liability coverage + PIP + UM/UIM — that's $30k bodily injury per person, $60k per accident, and $10k property damage. Minnesota is a no-fault state requiring 30/60/10 plus PIP and uninsured/underinsured motorist coverage.
How much does car insurance cost in Minnesota?
Full-coverage car insurance in Minnesota averages roughly $1,800 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Minnesota a no-fault state?
Minnesota is a no-fault state. Each driver's own PIP coverage pays their medical bills regardless of who caused the crash.
Why is car insurance priced the way it is in Minnesota?
Minnesota averages about $1,800/yr — roughly mid-pack. Your own rate swings far more on age, record, credit (where allowed), vehicle, and ZIP than on the state average, so always compare quotes.
What's the cheapest way to insure a car in Minnesota?
Carry at least the 30/60/10 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.