Is Massachusetts an at-fault state?

No, Massachusetts car accident laws designate it as a no-fault state, meaning regardless of who’s at fault for an accident, your PIP insurance will cover the expenses for anyone in your vehicle. No-fault laws in Massachusetts limit a driver's right to sue after an accident—they can only sue for their injuries if their medical expenses exceed $2,000 or if they sustained permanent disfigurement, bone fractures, or loss of hearing or sight. The bottom line: PIP is required as part of Massachusetts's state minimum insurance requirements to protect you financially if you’re involved in an accident.

How much is car insurance in Minnesota?

Insurance rates vary for each individual depending on multiple factors considered by insurance companies when determining pricing. We highly recommend exploring and comparing insurance rates from different providers. By taking the time to shop around and compare quotes, you can find insurance coverage that aligns with your specific needs at a reasonable price.

What is the average cost of car insurance in Minnesota?

In Minnesota, the average annual cost of car insurance is $537 (or about $45 a month) for minimum coverage and $1,643 per year (or about $137 per month) for full coverage insurance.

Who has the best cheap car insurance in Minnesota?

Jerry conducted the largest insurance shopping study in the industry—a survey of over 15,000 car insurance policyholders—and concluded that no single auto insurance provider offers the definitively cheapest rates for every driver. This means you’ll have to shop around to find the cheapest rates for you—but don’t worry, a car insurance comparison app or website makes the process quick and easy!

What is the minimum car insurance required in Minnesota?

Before hitting the road, Minnesota residents need to secure an auto insurance policy with at least the following amounts of coverage:

Do you need insurance to register a car in Minnesota?

For every owner seeking to register, re-register, or transfer ownership of a motor vehicle or motorcycle/moped, it is mandatory to present proof of insurance. This proof of insurance should include the insurance company's name, the policy number, and the policy expiration date for the motor vehicle or motorcycle. If you don’t already have a policy, you’ll need to buy insurance before you purchase a car in Minnesota.

Can your car get towed for no insurance in Minnesota?

Yes—if you are pulled over by law enforcement and the officer discovers that you are not insured, they will very likely have the vehicle towed and impounded.

Does insurance follow the car or the driver in Minnesota?

In Minnesota, car insurance typically remains with the car rather than the driver. This applies to liability coverage, personal injury protection coverage, and coverage for uninsured and underinsured motorists.

What does full coverage car insurance consist of in Minnesota?

In Minnesota, full coverage car insurance includes at least the minimum levels of liability coverage, comprehensive coverage, and collision insurance.

Can you have out of state car insurance in Minnesota?

Yes—as long as you’re just passing through. Your standard United States car insurance policy will generally cover you when you travel to all 50 states and Canada. However, if you’re a resident of Minnesota, you’ll want to invest in a Minnesota car insurance policy to avoid significant issues. Exceptions to this rule include people who are residents of two states and military members who are temporarily stationed in Minnesota. If you’re unsure, consult your insurance provider to confirm that out-of-state insurance is legally permissible.

Is PIP required in Minnesota?

Yes—all Minnesota drivers must carry at least $40,000 in Personal Injury Protection (PIP).

Can you get car insurance without a license in Minnesota?

It may be possible to insure a car that you own even if you don’t have a license—you’ll need to exclude yourself as a driver on the policy and list the primary driver as the primary insured.

Can you have both PIP and MedPay in Minnesota?

Yes! Medical Payments (Med Pay) will cover the medical payments of you and your passengers in your vehicle if they are injured in a crash. You can absolutely “stack” this optional coverage with your mandatory PIP coverage.

Cheapest Car Insurance in Minnesota (Dec 2024)

Written by R.E. Fulton and 2 others

Dec 18, 2024

Cheapest Car Insurance in Minnesota (Dec 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Minnesota.

Find insurance savings

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Written by R.E. Fulton and 2 others

Dec 18, 2024

How to find the cheapest car insurance quotes in Minnesota

Finding an affordable car insurance policy is a great way to minimize your auto-related expenses. However, it’s important to note that there isn’t a single “cheapest” car insurance provider that suits every driver. To ensure you obtain the best price for personalized coverage, you’ll need to diligently compare auto insurance quotes from various insurance companies before purchasing a policy.

Thankfully, Jerry Insurance Agency offers assistance to Minnesota drivers in navigating their options through a user-friendly insurance comparison app. With their support, you can efficiently review and analyze multiple quotes, empowering you to select the best car insurance company for your needs and budget.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Progressive	$218	Noah, 54, Saint Paul, MN	Chrysler Pacifica	State Minimum	No
The General	$94	Hester, 47, Jordan, MN	Chevrolet Tahoe K1500	State Minimum	No
National General	$120	Leila, 23, Saint Paul, MN	Hyundai Elantra Gt	State Minimum	No
The General	$168	Randy, 22, Minneapolis, MN	Kia Soul	State Minimum	Yes
Progressive	$60	Harold, 34, Plymouth, MN	Honda Civic Hybrid L	State Minimum	No

Last Updated Dec 24, 2024

Cheapest Minnesota car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.

Good drivers in Minnesota can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.

Customer	Driving Score	Insurance Savings	Has Violations	Insurance Coverage
Jessica, 25 Chisholm, MN	89	32%	No	– 100/30 – Comp/Collision
Krystle, 34 Rosemount, MN	95	37%	No	– 100/30 – Comp/Collision
Tonya, 44 Roseau, MN	91	30%	No	– 50/100 – Comp/Collision
Adam, 54 McGregor, MN	80	23%	No	– 100/30 – Comp/Collision
Ricardo, 64 Minneapolis, MN	85	27%	No	– State Minimum Liability – Comp/Collision

Let your good driving pay off

Cheapest car insurance companies in Minnesota

In order to assist you in determining the auto insurance company that provides the most competitive rates in Minnesota, Jerry conducted an extensive insurance shopping survey, which happens to be the largest of its kind in the nation.

Ultimately, there is no single car insurance company that can be considered the best or cheapest for every driver. Instead, insurance rates are highly personalized and vary depending on individual circumstances.

Many Minnesotans will cite State Farm as the cheapest provider in the state, but other drivers are less impressed with the company’s deals.

According to our research findings, North Star Mutual, State Farm, and American Family are among the most affordable car insurance companies in Minnesota.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Root	October 30, 2024	5	“I am new car owner and with the current market it was important to sign papers on a car immediately. So I chose Geico’” -Landon
Farmers	October 30, 2024	5	“This is a new policy it seems fair” -Matthew
Sun Coast General	October 22, 2024	3	“Okay I just started the system try to get different insurance company and I go through and it tells me to download the app” -Eliza
Dairyland	October 19, 2024	4	“This company was the cheapest I could find at the time. And they have always been very helpful when I call.” -Rosalie
Allstate	October 19, 2024	3	“I think I’m paying to much. “ -Pearl

If you’re looking for a fast and easy way to shop for car insurance quotes, try out a car insurance comparison app or website.

Jerry is a highly regarded insurance agency that provides a user-friendly app for auto-owners to obtain free quotes and explore various options for their auto insurance coverage.

Additionally, Jerry offers comprehensive assistance throughout the entire process, from helping you register for a new policy to facilitating the cancellation of your old one upon request. With Jerry, you can experience a seamless and convenient insurance service that caters to all your needs.

Minimum car insurance requirements for liability and full coverage in Minnesota

Every single driver in the Land of 10,000 Lakes is legally required to carry a specified amount of liability coverage—but, in most circumstances, we highly recommend adding on additional forms of optional coverage as an added safety net.

Cheapest minimum liability coverage in Minnesota

Like most U.S. states, Minnesota car insurance law requires all drivers to meet all minimum car insurance requirements before hitting the road. This includes the following:

Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $10,000
Personal injury protection (PIP): $40,000
Uninsured motorist: $25,000 per person and $50,000 per accident
Underinsured motorist coverage: $25,000 per person and $50,000 per accident

Jerry has helped car drivers in Minnesota who utilized Jerry to secure affordable minimum liability insurance plans.

Do you need more than the minimum liability insurance coverage in Minnesota?

It’s very likely that the best car insurance policy for you includes more than the minimum amounts of liability coverage.

If you are in an at-fault accident, you could be responsible for paying medical bills and vehicle repairs that cost far more than the established 30/60/10 coverage limits, especially if the vehicle is totaled or the driver is severely injured. Thus, raising your coverage level offers better protection.

The bottom line: Invest in 100/300/100 liability coverage for optimal protection—even if you choose to forego full coverage.

Cheapest full coverage Minnesota auto insurance quotes

Full coverage isn’t legally required in Minnesota, but will provide valuable coverage if you happen to be injured—or your vehicle happens to be damaged—in an at-fault accident.

Full coverage includes comprehensive and collision coverage. Collision coverage provides financial assistance for repairing or replacing your vehicle that has been damaged in an accident. On the other hand, comprehensive coverage offers coverage for damages caused by vandalism, environmental factors, and even theft.

Keep in mind that your auto loan provider will likely require you to maintain full coverage until your loan is paid off.

We’ve helped our users in Minnesota secure affordable full coverage policies.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

State Minimum	No	Progressive	$218	Noah, 54, Saint Paul, MN	Chrysler Pacifica
State Minimum	No	The General	$94	Hester, 47, Jordan, MN	Chevrolet Tahoe K1500
State Minimum	No	National General	$120	Leila, 23, Saint Paul, MN	Hyundai Elantra Gt
State Minimum	Yes	The General	$168	Randy, 22, Minneapolis, MN	Kia Soul
State Minimum	No	Progressive	$60	Harold, 34, Plymouth, MN	Honda Civic Hybrid L

Last Updated Dec 24, 2024

Average rates for minimum liability coverage and full coverage car insurance in Minnesota

In Minnesota, the average annual cost of car insurance is $1,565 for minimum coverage and $2,120 for full coverage insurance. These figures fall slightly below the national average.

While average insurance rates can give you a rough idea of your insurance expenses, it’s important to note that individual drivers’ insurance premiums are influenced by multiple factors, such as the type of vehicle, driving record, claims history, and demographic information. The final insurance costs for each driver can therefore vary significantly.

Minnesota car insurance: Additional coverages

Despite what its name might imply, full coverage isn’t the only type of add-on car insurance available. Some other coverage options include:

Medical payments
Towing and labor (roadside assistance)
Rental reimbursement coverage2

For individuals who have taken out a loan to purchase a vehicle, we strongly recommend gap insurance. Gap insurance provides coverage in situations where the remaining loan amount exceeds the actual value of the vehicle. This coverage ensures financial protection if your car is stolen or declared a total loss.

If you often rent or borrow vehicles instead of owning or leasing one, non-owner car insurance is highly recommended. This type of insurance provides liability coverage for bodily injury and property damage in the event of an at-fault accident. (Keep in mind it does not cover damages to the vehicle you are driving or expenses related to your personal injuries.)

Learn more: Types of insurance

Car insurance premium by rating factors

Factors that can impact your Minnesota insurance rates include:

Driving history and claims: If you have a record of accidents or traffic violations, insurance providers may charge you higher rates.
Location: Insurance rates tend to be higher for drivers residing in cities compared to those in rural areas. Additionally, different ZIP codes within the same city may have varying insurance rates.
Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally come with higher insurance costs for collision and comprehensive coverage.
Vehicle usage: Insurance companies may charge higher premiums if you use your car for commuting to work or if you have a higher annual mileage, as compared to leisure usage.
Credit score: A good credit score is often associated with lower insurance premiums, as it is considered an indication of financial responsibility.

Please keep in mind that these factors can differ among insurance providers. Therefore, it is recommended to directly contact insurance companies or utilize online comparison tools to obtain personalized quotes that suit your specific circumstances.

Cheapest Minnesota car insurance after a driving violation

Your driving history is a crucial factor in determining the quotes for your auto insurance. If insurance companies notice a history of violations, they perceive you as a higher risk driver, and you’ll be charged higher insurance premiums.

Cheapest car insurance for Minnesota drivers with a speeding ticket

The law generally classifies speeding violations in terms of various levels depending on how much the speed limit was surpassed. Levels generally include 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and exceeding the speed limit by more than 21 MPH. Anything over 30 MPH over the limit is automatically considered reckless driving in Minnesota.

Although a speeding ticket is likely to increase your insurance premiums, Jerry is a great tool for keeping costs as low as possible.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Speeding Violation-Major	The General	$309	Ollie, 29, Anoka, MN	State Minimum	Yes
Speeding Violation-Major	National General	$132	Gabriel, 40, Eden Prairie, MN	State Minimum	No
Speeding Violation-Minor	The General	$446	Christian, 26, Minneapolis, MN	State Minimum	No
Speeding Violation-Major	The General	$689	Georgie, 24, Rochester, MN	State Minimum	Yes
Speeding Violation-Minor	Progressive	$174	Gilbert, 34, Saint Paul, MN	State Minimum	No

Last Updated Dec 24, 2024

How to find cheap Minnesota auto insurance after a DUI

DUI violations in Minnesota typically lead to a more substantial increase in car insurance rates compared to other violations.

It is often necessary to compare rates from multiple insurers in order to find the most affordable options after a DUI, and Jerry can make hunting for the cheapest provider much simpler.

Minnesota SR-22 insurance

Minnesota does not require an SR-22 form to reinstate your driver’s license after a major driving violation. Instead, following a conviction for a significant driving violation, you will be required to submit proof of insurance—specifically an Insurance Certification Form—to the Minnesota Department of Public Safety in order to have your driver’s license reinstated.

Keep in mind that if you’ve been deemed a high-risk driver, your car insurance premiums will inevitably rise—but that doesn’t mean your insurance costs need to be entirely unaffordable.

Cheapest Minnesota auto Insurance after an at-fault accident

Your car insurance rates are significantly influenced by your car accident or claim history.

Insurance companies carefully review your past at-fault accidents to assess the level of risk you represent as an insured individual. If you have recently been involved in an at-fault accident, it is possible for your car insurance rates to experience a substantial increase.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

At Fault With No Injury	Progressive	$218	Noah, 54, Saint Paul, MN	State Minimum	No
At Fault With No Injury	The General	$94	Hester, 47, Jordan, MN	State Minimum	No
At Fault With No Injury	Bristol West	$241	Ethan, 33, Mankato, MN	State Minimum	Yes
At Fault With No Injury	The General	$727	Ronald, 23, Minneapolis, MN	State Minimum	Yes
At Fault With No Injury	Safeco	$124	Dean, 43, St. Louis Park, MN	State Minimum	Yes

Last Updated Dec 24, 2024

FAQ

Is Massachusetts an at-fault state?

No, Massachusetts car accident laws designate it as a no-fault state, meaning regardless of who’s at fault for an accident, your PIP insurance will cover the expenses for anyone in your vehicle. No-fault laws in Massachusetts limit a driver’s right to sue after an accident—they can only sue for their injuries if their medical expenses exceed $2,000 or if they sustained permanent disfigurement, bone fractures, or loss of hearing or sight.

The bottom line: PIP is required as part of Massachusetts’s state minimum insurance requirements to protect you financially if you’re involved in an accident.

Cheapest auto insurance after other violations in Minnesota

In addition to speeding tickets and DUIs, other infractions such as careless driving and driving with a suspended license can also lead to higher car insurance expenses in Minnesota.

We’ve helped drivers discover ways to save on their car insurance, even if they have offenses on their Minnesota driving record.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Other Minor	The General	$94	Hester, 47, Jordan, MN	State Minimum	No
DUI	National General	$76	Edward, 43, Cass Lake, MN	State Minimum	No
Driving on Sus. License	Progressive	$405	Cecelia, 25, Andover, MN	State Minimum	No
Other Minor	Progressive	$215	James, 46, Delano, MN	State Minimum	No
Suspension	Progressive	$96	Laura, 46, Waterville, MN	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest Minnesota auto insurance based on insurance history

Your insurance history is a significant factor in determining your car insurance rates, especially in terms of whether you currently have coverage or not.

Typically, having a gap in your insurance coverage leads to higher insurance rates. To support our customers in making timely insurance payments and preventing coverage gaps, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if they have fallen behind on their payments.

We have effectively assisted many customers who are currently uninsured or have experienced coverage lapses in finding opportunities to save on a new policy.

Cheapest car insurance for drivers with poor credit

In Minnesota, individuals with lower credit scores often face higher insurance costs compared to those with higher credit ratings, even though credit scores do not directly indicate driving proficiency. Insurance companies have observed a relationship between low credit scores and an increased frequency of filed claims by drivers.

Based on our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

<550	Progressive	$218	Noah, 54, Saint Paul, MN	Chrysler Pacifica	State Minimum	No
550-659	The General	$94	Hester, 47, Jordan, MN	Chevrolet Tahoe K1500	State Minimum	No
550-659	National General	$120	Leila, 23, Saint Paul, MN	Hyundai Elantra Gt	State Minimum	No
660-750	The General	$168	Randy, 22, Minneapolis, MN	Kia Soul	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest Minnesota car insurance by age

Due to their limited driving experience, insurance rates for young drivers are often significantly high. However, as individuals reach the age of 25, their insurance rates generally start to decrease. Once individuals reach the age of 75, car insurance costs tend to rise again.

Cheapest Minnesota car insurance for young drivers

In Minnesota, the age group of 16 to 19 typically faces the highest insurance rates compared to other age groups.

For teen drivers who own newer vehicles, it is advisable to consider opting for full coverage insurance. This recommendation is made due to the higher likelihood of teenagers being involved in accidents when compared to other age groups. Full coverage insurance provides enhanced financial protection in such situations.

Learn more: The best cheap car insurance for teens

Cheapest Minnesota car insurance for senior drivers

Typically, we see higher car insurance rates for seniors in their mid-70s and older. Older drivers have a heightened susceptibility to accidents and are more likely to sustain severe injuries in the event of a collision. Consequently, insurance providers face substantial medical expenses and higher costs, resulting in elevated car insurance rates.

How to find car insurance discounts in Minnesota for your motor vehicle

Your choice of vehicle has a significant impact on your car insurance premiums. Several factors associated with the type of car affect insurance costs, including repair or replacement costs, the likelihood of theft, and the overall safety performance of the vehicle.

Popular makes and models in Minnesota include:

Honda Civic
Nissan Rogue
Ford Bronco
Chevrolet Silverado 1500
Toyota Corolla

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

Honda Civic Hybrid L	Progressive	$60	Harold, 34, Plymouth, MN	State Minimum	No
Nissan Rogue S	Progressive	$179	Ethel, 30, Rochester, MN	50/100	Yes
Nissan Rogue S	Progressive	$142	Vincent, 29, St. Cloud, MN	State Minimum	Yes
Honda Civic Lx	Progressive	$204	Elnora, 22, Saint Cloud, MN	State Minimum	Yes
Nissan Rogue Krom	National General	$121	Tony, 39, Melrose, MN	State Minimum	No

Last Updated Dec 24, 2024

Learn more: How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

In general, the cost of insuring a new car is usually higher compared to an older car. According to our findings, the average annual cost of full coverage insurance for a car that is over 10 years old in Minnesota is approximately 22% less than the average cost of insuring a vehicle that is less than 4 years old.

How to find cheap car insurance in Minnesota in your city

When determining your car insurance annual premium, insurance companies take into account several factors, including the location where you keep your vehicle.

Insurance costs can vary depending on population density, accident rates, crime statistics, and weather conditions. Even within the same city, insurance premiums can differ among different zip codes.

Discover how Jerry Insurance Agency has supported drivers in different cities across Minnesota in fulfilling their insurance needs.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

Saint Paul, MN	Noah	Progressive	$218	Chrysler Pacifica	State Minimum	No
Jordan, MN	Hester	The General	$94	Chevrolet Tahoe K1500	State Minimum	No
Saint Paul, MN	Leila	National General	$120	Hyundai Elantra Gt	State Minimum	No
Minneapolis, MN	Randy	The General	$168	Kia Soul	State Minimum	Yes
Plymouth, MN	Harold	Progressive	$60	Honda Civic Hybrid L	State Minimum	No

Last Updated Dec 24, 2024

How to lower the cost of car insurance in Minnesota

Jerry’s team of licensed insurance agents offers valuable suggestions to help lower your car insurance expenses. Here are some common strategies they recommend:

Compare quotes from multiple insurance providers to find the best prices.
Bundle your car insurance with homeowners insurance to take advantage of a discount.
Explore potential discounts for which you may be eligible, such as good student discounts, good driver discounts, low mileage discounts, and discounts for anti-theft devices or vehicle adaptations.
Consider increasing your deductible for comprehensive and collision coverage.
Work on improving your credit score, as it can have a positive impact on your insurance premiums.
Enroll in a defensive driving course, which can lead to lower insurance rates.
Evaluate the need for collision and comprehensive coverage for older vehicles.

By implementing these strategies, you could potentially save several hundred dollars per year on your car insurance costs.

Learn more: 11 Ways to lower car insurance

Why is car insurance so expensive in Minnesota?

Are you noticing that your Minnesota car insurance rates seem a bit high? Here are some potential explanations:

Dense cities: If you live in a major city like Minneapolis, you likely suffer from more traffic congestion and a higher probability of accidents. This typically results in increased insurance premiums.
Uninsured drivers: If there are a lot of uninsured (or underinsured) drivers in your area, your insurance rates will likely reflect the increased risk.
Pricey healthcare: What does the cost of Minnesota medical care have to do with car insurance? Well, medical expenses associated with accidents and injuries are factored into coverage auto coverage costs.
Rate of car thefts: Regions with an increased incidence of car thefts can lead to steeper insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
High risk of natural disasters: Minnesota is subject to a diverse variety of natural disasters, from blizzards, to wildfires, to tornadoes—all of which can cause expensive damages to your vehicle.

Considering these factors, it is not uncommon for car insurance in Minnesota to be relatively expensive compared to other regions.

FAQ

How much is car insurance in Minnesota?

Insurance rates vary for each individual depending on multiple factors considered by insurance companies when determining pricing. We highly recommend exploring and comparing insurance rates from different providers. By taking the time to shop around and compare quotes, you can find insurance coverage that aligns with your specific needs at a reasonable price.
What is the average cost of car insurance in Minnesota?

In Minnesota, the average annual cost of car insurance is $537 (or about $45 a month) for minimum coverage and $1,643 per year (or about $137 per month) for full coverage insurance.
Who has the best cheap car insurance in Minnesota?

Jerry conducted the largest insurance shopping study in the industry—a survey of over 15,000 car insurance policyholders—and concluded that no single auto insurance provider offers the definitively cheapest rates for every driver.

This means you’ll have to shop around to find the cheapest rates for you—but don’t worry, a car insurance comparison app or website makes the process quick and easy!
What is the minimum car insurance required in Minnesota?
Before hitting the road, Minnesota residents need to secure an auto insurance policy with at least the following amounts of coverage:
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $10,000
- Personal injury protection (PIP): $40,000
- Uninsured motorist coverage: $25,000 per person and $50,000 per accident
- Underinsured motorist coverage: $25,000 per person and $50,000 per accident
Do you need insurance to register a car in Minnesota?

For every owner seeking to register, re-register, or transfer ownership of a motor vehicle or motorcycle/moped, it is mandatory to present proof of insurance. This proof of insurance should include the insurance company’s name, the policy number, and the policy expiration date for the motor vehicle or motorcycle.

If you don’t already have a policy, you’ll need to buy insurance before you purchase a car in Minnesota.
Can your car get towed for no insurance in Minnesota?

Yes—if you are pulled over by law enforcement and the officer discovers that you are not insured, they will very likely have the vehicle towed and impounded.
Does insurance follow the car or the driver in Minnesota?

In Minnesota, car insurance typically remains with the car rather than the driver. This applies to liability coverage, personal injury protection coverage, and coverage for uninsured and underinsured motorists.
What does full coverage car insurance consist of in Minnesota?

In Minnesota, full coverage car insurance includes at least the minimum levels of liability coverage, comprehensive coverage, and collision insurance.
Can you have out of state car insurance in Minnesota?

Yes—as long as you’re just passing through. Your standard United States car insurance policy will generally cover you when you travel to all 50 states and Canada.

However, if you’re a resident of Minnesota, you’ll want to invest in a Minnesota car insurance policy to avoid significant issues. Exceptions to this rule include people who are residents of two states and military members who are temporarily stationed in Minnesota. If you’re unsure, consult your insurance provider to confirm that out-of-state insurance is legally permissible.
Is PIP required in Minnesota?

Yes—all Minnesota drivers must carry at least $40,000 in Personal Injury Protection (PIP).
Can you get car insurance without a license in Minnesota?

It may be possible to insure a car that you own even if you don’t have a license—you’ll need to exclude yourself as a driver on the policy and list the primary driver as the primary insured.
Can you have both PIP and MedPay in Minnesota?

Yes! Medical Payments (Med Pay) will cover the medical payments of you and your passengers in your vehicle if they are injured in a crash. You can absolutely “stack” this optional coverage with your mandatory PIP coverage.

MEET OUR EXPERTS

Jessica Barrett

Jessica Barrett is a senior insurance writer and editor with 10 years of experience in the automotive and travel industries. A specialist in car insurance, car loans, and car ownership, Jessica’s mission is to create comprehensive content that car owners can use to manage their costs and improve their lives. As a managing editor for a team of writers and insurance specialists, Jessica has edited over 2,000 articles for Jerry on topics ranging from local insurance shopping tips to refinancing car loans with bad credit. Before joining Jerry as a senior content editor in 2021, Jessica created visual content for clients such as Expedia, Vivid Seats, Budget Direct Car Insurance, Angie’s List, and HomeAdvisor. Her content was published in Business Insider, Forbes, Apartment Therapy, and the BBC.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

^†For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.