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The average cost of basic liability car insurance in Minnesota is $2,073 per year. Opting for full-coverage car insurance in Minnesota will leave you with an average cost of $2,174 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare Best Car Insurance Quotes in Minnesota
Now, the rates above are averages, which can give you a good idea of the quotes you might be eligible for. But your actual quotes (and Jerry only shows legit, real-time quotes) could be higher or lower depending on your profile.
If you’re looking for basic insurance coverage at any price, you’ll have your pick of insurers in Minnesota. But what about if you want the best coverage—at the best rate?
Minnesotans can look to State Farm, GEICO, and Nationwide for some of the best car insurance quotes. But not every driver will get the best rate from the same company. For instance, military members and their families are likely to find lower rates with USAA, and Progressive has some of the best rates for drivers with poor credit.
And then there are smaller regional companies—like Auto-Owners, North Star Mutual, or American Family—that offer competitive rates to Minnesota drivers.
Finding the company with the best rate for you can be complicated. That’s because every single company uses a different methodology to calculate your rate, with better premiums from some companies.
On average, car insurance in Minnesota is more expensive than the national average, mostly due to the state’s higher minimum insurance requirements compared to the rest of the country. However, the cost of liability-only policies versus full-coverage policies is nearly equal, with the cost of full coverage sometimes averaging less than liability-only policies.
Is insurance cheaper once you’re 25?
No matter where you live, car insurance is almost always cheaper once you turn 25. This assumes that your driving record, vehicle, location, and other personal details remain the same. On average, you could end up spending more than $1,000 less on your annual premium after turning 25.
Is MN a no-fault state?
Minnesota is a no-fault state, meaning that drivers file claims with their own insurance providers after an accident regardless of who was at fault. This is one reason why car insurance rates and minimum insurance requirements are higher in Minnesota. Drivers in no-fault states like Minnesota are required to purchase personal injury protection (PIP) to help cover their medical costs in addition to standard liability insurance.
How much does car insurance cost in Minnesota?
Car insurance is fairly affordable in Minnesota with rates close to the national average. But you may still see high rates due to a few factors.
First of all, Minnesota is one of the country’s handful of no-fault states, meaning that you can file a claim with your own insurance company no matter who’s at fault in an accident. This raises rates overall. In addition, Minnesota has high legal requirements for minimum coverage. Even if you’re only meeting the state minimum, you’ll pay more on average than drivers in neighboring Iowa where basic liability insurance is the only requirement.
Want to see how car insurance in Minnesota compares to other states? Check out the features below.
Minnesota requires $30,000 per person for bodily injury liability, $60,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. Drivers are also required to carry $40,000 of personal injury protection (PIP) coverage and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Minnesota a no-fault state?
Yes, Minnesota is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
Together, these coverages will help you handle any medical expenses stemming from an accident, as well as vehicle repairs caused by an uninsured driver. But you won’t have coverage if your car is damaged in something other than an accident—think natural disaster or vandalism. That’s why most experts recommend purchasing a so-called full-coverage policy, which includes collision coverage and comprehensive insurance.
Take a look at the graph below to understand how much you’re paying for each.
Best cheap car insurance with a DUI or speeding ticket in Minnesota
One minor ticket probably won’t cause any major changes to your annual premium—but if you commit just one serious violation (e.g., a DUI or reckless driving charge) or if you’ve got a record of repeated infractions, your insurance company is likely to label you a high-risk driver and raise your rate as long as the points stay on your record.
So, can you save money on car insurance if you have driving violations? Definitely! And using Jerry is the easiest way to do so. See for yourself in the table below.
Teen drivers are overrepresented in Minnesota traffic crashes—and they also pay some of the highest rates in the state for auto insurance coverage.
This might feel like discrimination, but it’s legal for insurance companies to base your rate on your age. Since young drivers have a statistically higher rate of car accidents—especially fatal ones—they present a higher risk to insurance companies. Minnesota ranks 18th in the nation for teen driver safety, putting it near the middle of the pack for teen insurance rates.
How can young drivers save money on car insurance in Minnesota?
Work on maintaining safe driving practices and building your credit.
If you’re in school, you can also look for an insurance company that offers good student discounts to full-time students with a B average or better.
Auto insurance rates in Minnesota by city
The Land of 10,000 Lakes is home to over 4.7 million licensed drivers with more than five million registered vehicles—but they don’t all pay the same rates for car insurance. Depending on where in Minnesota you live, you might have higher or lower premiums than the state average.
Take the Twin Cities, for instance. As the most densely populated area in the state, Minneapolis and St. Paul see a higher rate of accidents, thefts, and claims. As a result, Minneapolis car insurance costs are among the highest in the state. Just a hundred miles away in Little Falls, car insurance costs much less due to lower population density.
Compare average rates for different Minnesota ZIP codes using the table below.
The car (or truck, or SUV) you drive is another part of the insurance premium equation. As a rule, affordable vehicles with mass appeal tend to have lower premiums than luxury cars or rare vehicles.
But it’s not just the value of your car that determines your rate. Safety ratings, engine types, age, and the availability of parts all play a role.
Let’s take the Chevrolet Impala, one of Minnesota’s favorite cars, as an example. Chevrolet Impala insurance costs are fairly low, thanks to decent safety ratings and an affordable price. But the Impala was discontinued in 2020—and as finding replacement parts gets harder, the cost to insure this mild-mannered sedan will climb.
Want to see how your car measures up? Take a look at the table below to see what Minnesotans paid to insure different models.
The most popular vehicle in Minnesota is the Ford F-150. F-150 owners pay around $1,180 annually in car insurance, which is below average for truck insurance prices—and Jerry can get you even more affordable rates.
Minnesota’s requirements are fairly robust—especially compared to neighboring states. But if your auto insurance policy stops at the coverage level mandated by law, you might be leaving yourself open to considerable risk.
Most experts recommend going beyond state-mandated coverage limits and purchasing additional liability coverage and uninsured motorist coverage—at a minimum. Better yet, adding collision and comprehensive to create a full-coverage car insurance policy will give you the maximum protection you need.
Check out the list below to see some risk factors that influence the insurance coverage you need in Minnesota.
Minnesota ranks 32nd for traffic and infrastructure, putting Minnesota in the lower half of states. Higher rates of traffic leads to higher collision rates, so drivers should consider collision coverage.
Minnesota drivers rate their road quality a 5.5/10. Poor road conditions can damage your car and even leave you stranded. Make sure you have roadside coverage to help you in a worst-case scenario.
How to reduce the cost of car insurance in Minnesota
Even if you’re able to find a cheap car insurance premium, there are some easy ways for Minnesota drivers to bring their rates down even further.
Shop around for quotes
Comparing quotes from multiple companies is the best way to find affordable car insurance—but it can take a huge amount of work, from researching potential companies to filling out forms in duplicate (and triplicate, and whatever comes after that).
The easiest way to ensure you're getting a good rate is to work with a broker or insurance comparison app like Jerry. Aim to look at quotes from at least three insurers before making a decision.
Look for discounts
You probably know that you can save on auto and homeowners’ insurance by bundling policies with a single company—but did you know that’s only the tip of the iceberg when it comes to car insurance discounts?
That’s right: most insurance companies offer a wide range of discounts to drivers but they’ll only advertise one or two. Digging into discounts could save you a huge percentage off your premium, but you need to know what to ask for.
Here’s a list of popular car insurance discounts for drivers in Minnesota:
Clean Driving Record Discounts
If you have a clean driving record and you also haven’t filed claims recently, you can easily get a clean driving record discount. Insurers recognize that you are unlikely to make a claim, which saves them money.
Drivers who bundle auto and home insurance at the same company can qualify for a bundling discount.
Good Student Discount
Young drivers have high rates, but students who maintain a “B” average or higher in school can qualify for good student discounts.
Increase your deductible
If your car insurance policy includes collision or comprehensive coverage, you’ll need to pay a deductible before any coverage kicks in on a claim. That deductible is set at a certain amount—typically $500 or $1,000.
Raising your deductible will allow you to pay a lower annual or monthly premium, potentially saving you money in the long run. But be careful: never choose a deductible that you wouldn’t realistically be able to pay in a lump sum in the event of a claim.