Minnesota Auto Insurance Rates & Requirements
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
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Minnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 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.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Comprehensive and Collision Coverage
Cost Overview
about $92/mo
Average car insurance spending in Minnesota
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Minnesota's average of 50–60 inches of snow annually drives winter collision claims, particularly affecting premium calculations for drivers under 25.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Minnesota's 30/60/10 minimum is insufficient for serious accidents — a multi-vehicle collision or injury lawsuit can easily exceed these limits.
Full Coverage
Combines liability, collision, comprehensive, and enhanced PIP into a complete protection package. Covers your vehicle and medical expenses while providing high liability limits to protect assets.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Deductibles typically range from $250–$1,000.
Uninsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or carries insufficient limits to cover your injuries. Minnesota requires 25/50 minimums, but you can purchase higher limits.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Works alongside Minnesota's no-fault system, which covers medical costs but not vehicle damage.