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
Bloomington21.91.921178
Duluth16.92.471431
Eagan24.31.071178
Minneapolis23.26.731206
Minnetonka22.50.71147
Rochester16.51.07966
Savage25.90.431146
Shakopee23.31.021147
St. Cloud18.42.551671
St. Louis Park21.71.841658
St. Paul24.37.81909
Woodbury24.70.371695

Bodily Injury Requirements in Minnesota

Bodily injury liability insurance helps pay for the other driver's medical bills due to an at-fault accident. In Minnesota, you'll be required to carry the minimum limits of $30,000 per person and $60,000 per accident in bodily injury liability insurance.

However, the majority of the time, insureds opt for higher limits to avoid paying out of pocket for a loss. You can review your coverages with a trained adviser for accuracy. 

Property Damage Requirements in Minnesota

In Minnesota, property damage liability is required under your auto policy and helps pay for damage to another party's property due to an at-fault accident. If you're responsible for an accident and don't have this coverage, then you'll be on the hook for the expense.

Minnesota law mandates that all drivers on the road carry a minimum limit of $10,000 in property damage liability. With the price of vehicles on the road these days, $10,000 isn't typically enough to pay for a loss. 

Personal Injury Protection Requirements in Minnesota

Some states require you to carry personal injury protection, or PIP, on your auto policy. In Minnesota, you're responsible for having $40,000 in PIP to use the roadways. 

Contrary to popular belief, you're not covered for injuries that you sustain from an at-fault accident without PIP coverage. That means you'll be on the hook for anything your health insurance won't cover. 

Uninsured Motorist Coverage in Minnesota

In Minnesota, uninsured motorist coverage is required by law in order to drive. This protection is especially useful, because it helps pay for any damage or injury to you caused by an accident involving an uninsured driver. 

While car insurance is mandatory in Minnesota, there are still people that go without it. Minnesota has 11.5% of its driving population uninsured. This leaves you at risk when you're not properly covered.

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Optional Car Coverage in Minnesota

If you're wanting protection for your vehicles themselves, you'll need to add more than the minimum limits of liability required. Having collision insurance and comprehensive insurance helps pay for damage to your autos that otherwise wouldn't have coverage in the event of a collision.

Another protection that some insureds opt in for is rental car coverage. This pays for a replacement vehicle when yours is in the shop due to a covered claim. And if you're stranded on the side of the road and need a tow or tire changed, roadside assistance can be added to your policy for a premium. 

Car Insurance Discounts to Consider in Minnesota

In Minnesota, there are several ways you can obtain a discount on insurance. One of the most popular is by having numerous policies with the same carrier. A discount of 30% or more is typical using this multiple policy discount. 

If you're part of a teachers union or government agency, your insurance company may have an association discount to look for as well. And if you're in the habit of staying with the same carrier for an extended period, ask if you're getting a loyalty discount.

How to File a Car Insurance Claim in Minnesota

To file a car insurance claim in the most efficient way, there are simple things you can remember. By following these 4 easy steps when filing an auto claim in Minnesota, you can save time.

First, get to a safe place and tend to any injuries that you may have sustained. Next, contact your independent insurance agent and report the claim. Third, obtain your claim number and a rental vehicle if necessary. Last, schedule a meeting with your adjuster to go over the loss and get paid.