Auto Insurance in Minnesota
No-Fault / PIP State — Minnesota drivers pay an average of $1,683/year for full-coverage auto insurance — near the national average across the nation for cost.
Minnesota Minimum Liability Requirements
State law requires a minimum of 30/60/10 (no-fault, PIP required) (bodily injury per person / per accident / property damage). These minimums are the legal floor — not a recommendation. A single serious accident can easily exceed these limits and expose you to personal liability.
Key Minnesota Auto Insurance Factor
Minnesota is a no-fault state requiring PIP. While the Twin Cities metro has higher rates, rural Minnesota is among the most affordable in the region.
What Full Coverage Includes in Minnesota
- Liability: Covers injuries and property damage you cause to others (required by law)
- Collision: Covers damage to your vehicle from an accident
- Comprehensive: Covers theft, weather, fire, and non-collision damage
- PIP (Personal Injury Protection): Required in Minnesota — covers your medical bills regardless of fault
- Uninsured/Underinsured Motorist: Protects you from drivers with no or insufficient coverage
Frequently Asked Questions
What is the average cost of auto insurance in Minnesota?
The average annual cost of full-coverage auto insurance in Minnesota is $1,683/year. Rates vary based on your driving record, vehicle type, ZIP code, age, and coverage levels. Use our estimator above to get a personalized figure.
What are Minnesota's minimum auto insurance requirements?
Minnesota requires minimum liability coverage of 30/60/10 (no-fault, PIP required) (bodily injury per person / per accident / property damage). Minnesota is a no-fault state, so PIP coverage is also required. These are legal minimums — most financial experts recommend carrying significantly higher limits.
Is Minnesota a no-fault auto insurance state?
Yes, Minnesota is a no-fault state. This means your own PIP (Personal Injury Protection) coverage pays for your medical expenses after an accident regardless of who was at fault. Minnesota is a no-fault state requiring PIP. While the Twin Cities metro has higher rates, rural Minnesota is among the most affordable in the region.
How can I lower my auto insurance premium in Minnesota?
Common ways to reduce your premium in Minnesota include: maintaining a clean driving record, bundling auto and home insurance, raising your deductible, qualifying for good driver or good student discounts, and shopping multiple insurers annually. Use the estimator above to see how different coverage levels affect your estimated premium.