Minnesota Car Insurance FAQ - Quick Answers

The annual average cost of car insurance in Minnesota is $1,222, making it less expensive than the national figure of $1,311 per year. To get exact pricing on your auto insurance, connect with a local adviser for multiple quotes. 

Minnesota has standard limits of coverage for your car insurance and the most commonly used are:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

In Minnesota, you'll be required to carry the the state minimum liability limits below in order to drive the streets:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $10,000 in property damage liability
  • $30,000/$60,000/$10,000 in uninsured motorist liability
  • $40,000 in personal injury protection

Even though car insurance is required in Minnesota, that doesn't mean everyone follows the rules. Unfortunately, Minnesota still has 11.5% of its driving force without auto coverage, putting you and your family at risk. 

Finding the best car insurance company can be a challenge if you're unsure where to begin. Some of the top-rated carriers in Minnesota are Nationwide, State Auto, Safeco, and Travelers. These carriers are used by many due to their superior customer service and coverage offerings.

Yes, Minnesota state law requires that you carry the minimum liability limits in order to drive on the streets. If you're found without proper coverage you could face serious penalties or worse.

Do You Know What Your Minnesota Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Apple Valley25.40.751178
St. Cloud18.42.551671
St. Louis Park21.71.841658
St. Paul24.37.81909