Car Insurance in Minnesota

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Table of Contents
  • How Much is Car Insurance in Minnesota?
  • Real Quotes for Jerry.ai Customers in Minnesota
  • The Cheapest Car Insurance in Minnesota
  • Most Popular Insurance Companies in Minnesota
  • Cost to Insure Different Cars in Minnesota
  • Car Insurance Laws in Minnesota
  • Car Registration Information in Minnesota

Looking for car insurance in Minnesota? Here you’ll find all the information you need on driving a car in The North Star State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Minneapolis or Rochester, Saint Paul or Bloomington — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Minnesota car insurance.

How Much is Car Insurance in Minnesota?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Minnesota, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Minnesota pay $2,181.75 each year for car insurance. This means drivers in Minnesota pay 28% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Minnesota? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Minnesota, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Minnesota

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-18
  • Chevrolet Impala 1lt
24 year old femaleProgressive$116.17$128.83Basic
2020-11-27
  • Ford Fusion Se
29 year old maleNationwide$151.82$56.18Preferred
2021-02-22
  • Dodge Grand Caravan Se
  • Lexus Ls 400
  • Hyundai Tucson Se
56 year old femaleProgressive$229.25$245.75Standard
2020-12-10
  • Acura TL
27 year old femaleProgressive$89$221Basic
2021-01-27
  • Volkswagen E-golf Se
  • Subaru Legacy Outback
37 year old maleKemper$136.50$13.50Standard

The Cheapest Car Insurance in Minnesota

Which companies offer cheap car insurance in Minnesota? Below, we’ve ranked Minnesota car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Minnesota for Basic Coverage

There’s all kinds of auto insurance you can get in Minnesota, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Minnesota. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Minnesota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Minnesota

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,011.04
2Nationwide$1,070.58
3Bristol West$1,379

Real Jerry Quotes for Basic Coverage in Minnesota

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-23
  • Ford Five Hundred Sel
  • Chevrolet Silverado K1500
26 year old femaleProgressive$51.83$153.17
2021-01-13
  • Chrysler 200 C
21 year old maleProgressive$61.33$163.67
2020-11-27
  • Hyundai Tucson Gls
  • Chrysler Pt Cruiser Touring
  • Saturn Vue
60 year old femaleProgressive$72.50$77.50
2020-12-07
  • Buick Encore
57 year old femaleBristol West$83.50$40.88
2021-01-23
  • Nissan Altima Base
20 year old femaleProgressive$66$62

Average Cheapest Car Insurance for Standard Plans in Minnesota

Most drivers will want more than the basic minimum coverage that Minnesota requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Minnesota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Minnesota

Filters
RankCompany nameAvg. Annual Premium
1Kemper$1,287.05
2Nationwide$1,348.88
3Progressive$1,400.73
4Safeco$1,635.07
5Travelers$1,726.46
6State Auto$1,891.37

Real Jerry Quotes for Standard Coverage in Minnesota

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-14
  • GMC Sierra C1500
  • Chevrolet Traverse Lt
48 year old femaleProgressive$103.17$43.83
2021-02-04
  • Dodge Grand Caravan Se
  • Nissan Altima 2.5
41 year old maleProgressive$185.50$289.50
2020-11-19
  • Chevrolet Malibu Limited Ltz
35 year old maleProgressive$88.25$11.75
2020-12-25
  • Ford Escape Limited
53 year old maleProgressive$62.92$55.08
2020-11-21
  • Kia Optima Lx
48 year old femaleSafeco$134.27$261.73

Cheapest Car Insurance in Minnesota for Preferred Coverage

Preferred coverage protects Minnesota drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Minnesota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Minnesota

Filters
RankCompany nameAvg. Annual Premium
1Kemper$1,282.33
2Nationwide$1,364.37
3Progressive$1,436.77
4Safeco$1,614.79
5State Auto$1,850.88
6Travelers$2,023.78

Real Jerry Quotes for Preferred Coverage in Minnesota

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-08
  • Jeep Grand Cherokee Limited
44 year old maleProgressive$82.25$102.75
2021-02-13
  • Jeep Liberty Limited
74 year old femaleNationwide$53.94$24.06
2020-12-07
  • Lexus Es 300
  • Ford Explorer
36 year old maleProgressive$153.67$96.33
2020-11-29
  • Nissan Rogue Select
32 year old maleProgressive$67.75$86.25
2021-02-13
  • Chevrolet Malibu 1lt
  • Chevrolet Equinox Ltz
  • GMC Sierra K2500 Sle
53 year old femaleProgressive$275.92$117.08
Insurance companyAverage annual premium in Minnesota
Progressive$1,580.17
Nationwide$1,600.97
Safeco$2,891.65
Travelers$1,266
Metlife$2,149
Bristol West$2,090

Cost to Insure Different Cars in Minnesota

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Minnesota drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Minnesota. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-11-25
  • Chevrolet Silverado K1500 Lt Trail Boss
27 year old maleNationwide$89.42$143.91Preferred
2021-02-21
  • Honda Civic Ex
21 year old maleProgressive$59.67$20.33Basic
2020-11-30
  • Ford Explorer Xlt
61 year old maleProgressive$51.58$57.30Standard
2020-12-23
  • Chevrolet Suburban K1500 Ls
57 year old femaleProgressive$51.67$64.33Basic
2020-11-23
  • Honda Accord Ex
19 year old maleProgressive$205.33$147.83Basic
2020-12-18
  • Audi A3 Premium Plus
23 year old femaleNationwide$99.56$56.44Preferred
2021-01-11
  • Honda Accord Ex
24 year old maleProgressive$88.58$46.42Standard

Car Insurance Laws in Minnesota

Minnesota has a population of more than 5.6 million people, and most are centered around the twin cities of Minneapolis and Saint Paul. There are nearly 80,000 car accidents per year in the Land of 10,000 Lakes, and because of these accidents, the state requires drivers to have a minimum amount of auto insurance coverage.

This coverage is designed to protect drivers when they are in an accident, whether they are at fault or not. If you live and drive in Minnesota, here’s what you should know about the state’s insurance requirements.

What Car Insurance Is Required in Minnesota?

To drive a motor vehicle in Minnesota, you first must purchase the required amount of car insurance. The types of insurance you are required to have include Bodily Injury Liability (BIL), Property Damage Liability (PDL), Personal Injury Protection (PIP), and uninsured motorist and underinsured motorist coverage.

Minnesota is what’s called a no fault state, where drivers are required to get a certain amount of insurance called Personal Injury Protection coverage. PIP pays for medical bills from a car accident, regardless of who is at fault. In addition to paying for medical expenses, PIP coverage also pays for any lost wages that stem from having to miss work due to an accident.

Liability insurance includes BIL coverage, which pays for the medical expenses of the other party involved in an accident that you caused; BIL also extends to paying for lost wages due to an accident where you are at-fault.

PDL coverage, on the other hand, pays for property damage that happens to another vehicle that you hit in an accident. Other types of covered damage include that done to objects, such as a fence, post, or sign; as well as any damage done to a building that your car hits.

Uninsured motorist coverage is another type of insurance that Minnesota requires you to get to drive in the state. It will cover your bodily injury and property damage if the at-fault driver does not have insurance. Underinsured motorist coverage, which is similar to uninsured motorist coverage, is another type of insurance required by the state of Minnesota. Underinsured motorist coverage will pay for your bodily injury and property damage costs if the at-fault driver does not have enough insurance to fully pay for your losses following an accident.

Can You Drive a Car without Insurance in Minnesota?

If you drive without insurance in Minnesota, you are breaking the law and are subject to serious fines and penalties. You must also show proof of insurance when asked by law enforcement or following an accident, or also risk getting fined or penalized.

The first time you’re caught driving without proof of insurance, you will have to pay a fine ranging from $200 to $1,000. In addition, your driver’s license and registration will be suspended for at least 30 days and up to 12 months, or until you show proof of insurance and pay a $30 reinstatement fee. You could also spend up to one year in jail and have your car impounded.

The fine, suspensions, and jail time are the same for a second offense. In addition, for a first and second offense you will have to file for an SR-22 certificate and keep it on file for three years. An SR-22 certificate means higher insurance premiums because it paces you in a higher-risk category as a driver.

If you commit a third offense within 10 years of a first or second offense, you will have to pay a fine ranging from $200 to $3,000. Your driver’s license and registration are also suspended for up to one year, and you’ll have to pay a $30 reinstatement fee to get them back. You could also go to jail for up to one year. In addition to possibly having your vehicle impounded, you will also have to file for an SR-22 certificate and keep it on file for three years.

What Are the Minimum Car Insurance Requirements in Minnesota?

Before driving in Minnesota, it’s important to make sure you have the required minimum amount of insurance. This is to help protect you and other drivers in the case of an accident.

Minimum Insurance Requirements in Minnesota

  • Bodily injury/per person/per accident: $30,000
  • Bodily injury/per accident: $60,000
  • Property damage liability: $10,000
  • Personal injury protection: $40,000
  • Uninsured motorist bodily injury coverage/per person/per accident: $25,000
  • Uninsured motorist bodily injury coverage/per accident: $50,000
  • Underinsured motorist bodily injury coverage/per person/per accident: $25,000
  • Underinsured motorist bodily injury coverage/per accident: $50,000

Car Registration Information in Minnesota

In conjunction with insuring your vehicle, you will also need to make sure it’s properly registered in Minnesota before driving. If you are a new resident, you have 60 days to register your vehicle after moving to Minnesota.

After registering your vehicle, you will receive two license plates. One of the license plates goes on the front of your vehicle and the other goes on the rear. The rear license plate also has the two decals that go in the bottom corners of the license plate, with the date on the left and the year on the right. These decals let you know when you need to renew your registration.

The initial fee for registering your vehicle in Minnesota includes a filing fee of $7, a $2.25 registration technology surcharge, and $8 for the license plates for passenger cars and trucks. The renewal fees are the same amount, with your registration needing to be renewed once a year.

When registering your vehicle in Minnesota, you can do so in one of three ways: in-person, by mail, or online. To register in person, which you must do when initially registering your vehicle, travel to a local Minnesota Driver and Vehicle Services office. To renew online, visit the Minnesota DVS website.

To register your vehicle in Minnesota, you will need the following documentation:

  • Minnesota driver’s license
  • Vehicle registration; contains the Vehicle Identification Number (VIN)
  • Current odometer reading
  • Proof of car insurance
  • Certificate of title (if you own the vehicle)
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