Car Insurance in Minnesota

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Looking for cheap car insurance in Minnesota?

Car insurance prices tend to be higher than average in Minnesota. This is due, in large part, to the state’s no-fault status and high insurance minimums.
Location is only one of the factors that contributes to your insurance rate, though, so comparing rates with a tool like Jerry can help you find a great deal. Whether you’re in Saint Paul, Minneapolis, or another area in the Land of a Thousand Lakes, you can find affordable quotes from top insurers in just minutes.
Jerry is a licensed broker that takes all the hassle away from shopping for insurance. From gathering quotes to finalizing paperwork to helping cancel your old policy, Jerry handles it all—which means you can sit back and enjoy the savings.
But don’t just take our word for it! Here are some amazing quotes from real Jerry customers in Minnesota:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
May 10, 2022Mazda 3 SportWaite ParkFranklin B.22Safeco$200/mo.$69/mo.
April 27, 2022Saturn Ion Level 2MinneapolisWillie P.30Safeco$138/mo.$71/mo.
May 2, 2022Volkswagen Jetta SEExcelsiorLewis C.27Progressive$175/mo.$136/mo.
April 29, 2022Honda Accord EXLHopkinsDerek W.43Nationwide$250/mo.$178/mo.
May 5, 2022Kia Forte LXSaint-PaulAndre G.22Progressive$256/mo.$190/mo.
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How much does car insurance cost in Minnesota?

The average cost of basic liability car insurance in Minnesota is $1,714 per year. Opting for full-coverage car insurance in Minnesota will leave you with an average cost of $1,790 per year.

How does the annual cost in Minnesota compare to the rest of the country?

In comparison the national average is $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
Why is insurance so expensive in Minnesota? There are a couple of main reasons:
  • No-fault status means you claim with your own insurer, no matter who is at fault
  • High minimum car insurance requirements, which increases the cost of even minimum liability insurance
Here’s how Minnesota’s insurance savings with Jerry compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
MN$2,162$1,415$1,755$1,114$1,406$1,059
National Average$2,436$1,660$2,296$1,376$2,654$1,962
MNNational Average
All Coverage Before Jerry
$2,162$2,436
All Coverage After Jerry
$1,415$1,660
Minimum Coverage Before Jerry
$1,755$2,296
Minimum Coverage After Jerry
$1,114$1,376
Full Coverage Before Jerry
$1,406$2,654
Full Coverage After Jerry
$1,059$1,962
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Top auto insurance providers in Minnesota

Minnesota drivers have lots of insurance companies to choose from for reliable coverage and excellent customer service, including well-known names like State Farm, Progressive, and Farmers.
But finding the right insurance company for you isn’t just a matter of eenie-miney-mo.
Insurance providers each have proprietary formulas they use to set premiums. This means that if you collect quotes from five different insurers, you’ll end up with five very different rates for the same coverage.
Your age, driving record, and location all impact your final premium—as does your vehicle. So if you drive an Audi A6, for example, your full-coverage insurance premium will likely always be higher than it would for a Mazda 3 because expensive cars cost more to insure.
Take a peek at some of the incredible deals that Jerry customers have scored with popular insurance companies in Minnesota:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$2,471$848Compare Prices
Nationwide$2,523$828Compare Prices
Safeco$2,459$810Compare Prices
State Auto$2,567$766Compare Prices
Travelers$2,574$751Compare Prices
Kemper$1,706$594Compare Prices
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What car insurance do you need in Minnesota?

Almost all states have minimum car insurance requirements that you must before you can legally drive. In Minnesota, you need at least the following:
CoverageAmountDescription
Bodily injury liability$30,000 per person / $60,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$10,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Personal injury protection$40,000Covers medical expenses, lost wages, and rehabilitation costs after an accident
Uninsured motorist coverage$25,000 per person / $50,000 per accidentReimburses you for your expenses from an accident caused by an uninsured driver
If you get behind the wheel without securing the mandatory minimum insurance, you could yourself in a lot of trouble and face some serious penalties:
  • Fine of up to $1,000
  • Up to 90 days in jail
  • Driver’s license suspension
  • Revocation of vehicle registration
  • Financial liability in the event of an accident
To protect yourself fully, you should go beyond the minimums and purchase as much insurance as you can afford. Here are some beneficial coverages to consider:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
When you’re ready to purchase your insurance, Jerry will be there.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. It’s free to sign up and then Jerry will find you amazing deals on insurance that meets your coverage needs—all in less than a minute and from reputable companies like Nationwide and Travelers.
The average Jerry customer saves $879 per year!
Now that you know what type of insurance you need, let’s look at what will impact the cost.

How is your cost of car insurance determined in Minnesota?

The factors that impact your final car insurance rate include your age, driving record, location, and vehicle.

Cost to insure your car in Minnesota by age

Insurers value driving experience and reward it with lower premiums. Teen drivers continue to be overrepresented in Minnesota traffic crashes due to driver inexperience, distractions, speeding, and other risky driving behaviors. So the younger you are, the more you’re going to pay for insurance.
What young drivers in Minnesota need to know
  • Minnesota has a graduated licensing system designed to ease inexperienced drivers into the driving environment
  • Taking a defensive driving course can help young drivers lower their risk and secure better premiums
  • Maintaining a good average can qualify student drivers for a good student discount
Don’t get discouraged, though! While young drivers are unlikely to find rates as low as their parents, there are still deals to be found by shopping around and maintaining a clean driving record.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,406$780
21-24$2,547$875
25-34$2,437$908
35-44$2,377$904
45-54$2,219$843
55-64$2,194$891
65+$2,426$963
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Cost to insure your car in Minnesota with a poor driving record

Your driving record plays an important role in your insurance rates. Accidents, speeding tickets, and major convictions like DUIs and reckless driving charges all add up to you being a riskier driver—and higher premiums.
If you have a less-than-stellar record, you’ll be paying more for your Minnesota car insurance for at least a few years.
So, can you save money on car insurance if you have driving violations? Definitely! And using Jerry is the easiest way to do so.
Here are just some of the savings we found for customers with poor driving records:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,439$815
Illegal Turn$3,720$1,672
Leaving scene of an Accident/Hit and Run$2,640$1,438
Improper Passing$2,933$1,430
Failure to Obey Traffic Sign$3,588$1,232
Driving on Sus. License$3,090$1,187
Defective Equipment$2,448$1,120
DUI$2,840$1,038
Suspension$2,564$924
Speeding under 15$2,883$900
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Cost to insure your car in Minnesota based on where you live

While Minnesota might not be the most densely populated area, there are over 4.7 million licensed drivers and more than 5 million vehicles registered in the state.
And since different regions have different levels of risk for drivers, where you live matters to your insurance company. Drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.
If you live in a city center like Minneapolis with over 8,100 people per square mile, you’ll face higher premiums than someone living in a smaller, more sparsely populated town. Thankfully, the state’s largely rural population means that rates are quite reasonable across the board.
Check out the top 10 cheapest cities for car insurance in Minnesota:
City
Average Cost
Annual Savings with Jerry
Bloomington$1,858$573
Eden-Prairie$2,814$1,480
Mankato$2,468$974
Minneapolis$2,555$946
Moorhead$2,296$993
Plymouth$1,980$912
Rochester$2,314$850
Saint Cloud$2,446$929
Saint Paul$2,518$827
Worthington$2,217$830
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Cost to insure your car in Minnesota based on the type of car you drive

Your car will also impact your insurance premium. If you’re one of the many (many!) Minnesotans who drive a Chevrolet Impala, you should have no problem finding affordable rates.
Generally speaking, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And the less you drive, the less you’ll pay since your accident risk is lower.
But if, on the other hand, you drive something pricey like a Mercedes-AMG G63 or BMW X6, your rates are going to be higher.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Chevrolet Silverado K1500 LT$2,669$1,803
Ford Fusion SE$2,161$1,660
Hyundai Sonata GLS$1,680$1,636
Toyota Camry LE$2,161$1,519
Kia Optima LX$2,423$1,328
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How to save money on car insurance in Minnesota

Even if you’re able to find a cheap car insurance premium, there are some easy ways to bring down your rates even further.

Shop around for quotes

The best way to find savings on your car insurance is to comparison shop. Of course, getting quotes from a handful of companies is usually easier said than done.
Thankfully, there’s Jerry!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. You’ll only need to sign up answer a few questions (which take less than a minute!) and then Jerry will get to work on finding you the best deals on policies that meet your coverage needs.
Once you’re ready to switch, Jerry handles all the paperwork and phone calls so that you get all the savings with none of the usual hassles.

Look for discounts

Almost all insurance companies offer discounts—ones that consider you, your driving habits, and the vehicle you own. Here are some of the most popular discounts for drivers in Minnesota:
DiscountWho is eligible?
Good driver discountsGood driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Bundling discountsInsuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%.
Defensive driver discountsMost insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers who typically face high premiums.
Payment and billing discountsPolicyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium.
Good student discountsGood student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Continuous coverage discountsMany insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more.
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Increase your deductible

Your deductible is the amount that you have to pay for a claim before your insurance company kicks in to cover costs. While increasing your deductible will decrease your premium, it’s not always the right choice.
Make sure that you can afford to pay the deductible in full each time you have to make a claim—otherwise you could find yourself in a precarious financial situation.

Registering your car in Minnesota

To register a car in Minnesota, you’ll need to bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
In Minnesota, you must renew your vehicle registration annually. You can do this in person, online, or by mail.

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