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Minnesota Auto Insurance Rates & Requirements

Minnesota requires 30/60/10 minimum liability coverage — $30,000 per person, $60,000 per accident for bodily injury, and $10,000 for property damage. Average full coverage costs $140–$180/month, while minimum coverage runs $65–$95/month based on available industry data.

Liability Coverage — insurance-related stock photo

Updated March 2026

State Requirements

Minnesota operates under a no-fault insurance system, meaning your own policy covers your medical expenses and lost wages regardless of who caused the accident. All drivers must carry proof of insurance and provide it during traffic stops or after accidents. The state also requires Personal Injury Protection (PIP) as part of the minimum coverage package, setting Minnesota apart from traditional tort liability states.

Cost Overview

Minnesota's no-fault system and mandatory PIP coverage increase base premiums compared to tort-only states, but the trade-off is faster medical payment without proving fault. Winter weather drives collision and comprehensive claims, particularly in the Twin Cities metro where congestion combines with ice and snow. Urban-rural divides create significant rate differences — Minneapolis and St. Paul see higher theft and accident frequency, while Greater Minnesota faces elevated animal collision and weather-related claims.

Minimum Coverage
Meets Minnesota's 30/60/10 liability, $20,000 PIP, and 25/50 uninsured motorist requirements. Leaves you financially exposed in serious accidents and provides no coverage for your own vehicle damage.
Standard Coverage
Raises liability to 100/300/100, adds collision and comprehensive with a $500–$1,000 deductible, and increases PIP and uninsured motorist limits. Balances protection and affordability for most drivers.
Full Coverage
Includes 250/500/100 liability, collision and comprehensive with lower deductibles, enhanced PIP options, and rental reimbursement. Provides maximum protection for drivers with significant assets or newer vehicles.

What Affects Your Rate

  • Twin Cities metro drivers pay 20–30% more than Greater Minnesota due to higher theft rates and accident density in Hennepin and Ramsey counties.
  • Minnesota's average of 50–60 inches of snow annually drives winter collision claims, particularly affecting premium calculations for drivers under 25.
  • Comprehensive claims spike in rural areas where deer-vehicle collisions account for approximately 25% of animal-related crashes statewide.
  • Credit-based insurance scores impact Minnesota rates significantly — drivers with poor credit may pay 40–60% more than those with excellent credit for identical coverage.
  • No-fault PIP requirements add $15–$30/month to base premiums compared to states without mandatory personal injury protection.
  • Multi-vehicle households in Minnesota see average discounts of 15–25% when bundling all cars and drivers under one policy.

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Coverage Options

Find Your City in Minnesota

Minneapolis, Minnesota cityscape and street view

Minneapolis

urban
St. Paul, Minnesota cityscape and street view

St. Paul

urban
Rochester, Minnesota cityscape and street view

Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
Row of white and beige townhouses with autumn trees on hillside in background

Bloomington

suburban
Aerial view of city skyline with downtown skyscrapers, river, and mixed residential buildings surrounded by trees

Brooklyn Park

suburban
Japanese garden with wooden bridge over pond, surrounded by rocks, plants and pergola structure

Plymouth

suburban
Red stop sign on residential street with white townhouses and green hills in background

Maple Grove

suburban

Frequently Asked Questions

Sources

  • Minnesota Department of Commerce - Insurance Division (https://mn.gov/commerce/insurance/)
  • Minnesota Statutes Section 65B.47 - No-Fault Auto Insurance
  • Insurance Information Institute - State Auto Insurance Requirements (2024)

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