Minnesota Car Insurance Calculator
Calculate your auto insurance cost in Minnesota. Compare with state averages and find savings.
$1,467
Avg Annual Premium
30/60/10
Min Liability
Monthly Avg
$122
Full Coverage
$1,923
Min Coverage
$512
Uninsured Rate
9.9%
Minnesota Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$10,000
Additional Requirements
PIP RequiredYes ($40,000 min)
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Minnesota
No-fault statePIP requirementWinter conditions
Major Metro Areas in Minnesota
MinneapolisSaint PaulRochesterDuluthBloomington
FAQ
Minnesota Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Minnesota
The average annual car insurance premium in Minnesota is $1,467, or about $122 per month. Full coverage averages $1,923 annually, while minimum coverage averages $512. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Minnesota requires minimum liability coverage of 30/60/10 ($30,000/$60,000 for bodily injury and $10,000 for property damage). Minnesota also requires Personal Injury Protection (PIP) with a minimum of $40,000. Uninsured motorist coverage is also required.
Key factors affecting Minnesota car insurance rates include: No-fault state, PIP requirement, Winter conditions. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 9.9% of drivers in Minnesota are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Minnesota car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Minnesota include: State Farm, GEICO, Progressive, American Family, Farmers. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
MN Insurance Costs
Average premiums in Minnesota:
- Annual Average$1,467
- Monthly Average$122
- Full Coverage$1,923
- Minimum Coverage$512
MN Requirements
Minimum coverage required:
- Liability30/60/10
- PIP RequiredYes
- UM RequiredYes
- Uninsured Rate9.9%
Top MN Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •American Family
- •Farmers