Minnesota Car Insurance
Minnesota car insurance on average costs $104/mo, or $1,258/yr on average. This is 12 percent less than the national average. Minnesota drivers enjoy the luxury of no-fault car insurance laws, so there is no burden of guilt to drivers in most car accidents. Minnesota auto insurance law requires that all vehicles meet minimum liability requirements, so start shopping for coverage today with our free tool below.
Read moreFree Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jan 27, 2025
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 27, 2025
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Minnesota drivers fall right in the middle of car insurance rates and the trend only about five below the national average
- Minnesota drivers enjoy the luxury of no-fault car insurance laws, so there is no burden of guilt to drivers in most car accidents
- Low-cost auto insurance is readily available especially if you learn about car insurance discounts and try to maximize the number you qualify for
Minnesota car insurance laws are defined by the Minnesota Department of Commerce and currently require all vehicles to meet minimum liability requirements or else possibly be exposed to steep fines, vehicle impoundment, drivers license suspension and more.
Take a look at how state minimum car insurance rates vary from state to state.
The cost of driving with no car insurance in Minnesota is potentially expensive than complying with state car insurance laws.
Enter your zip code above to get FREE car insurance quotes today!
Minnesota No-Fault Car Insurance Laws
How no-fault car insurance works is that no driver is ever declared to be at-fault so each injured parties car insurance company will pay for damages to their respective vehicles and persons.
Minnesota drivers need to carry car insurance with the following minimum levels of coverage as per state laws:
— Bodily Injury Liability
- $30,000 liability insurance per accident per person
- $60,000 liability insurance per accident (all persons)
- $10,000 property liability coverage
— Uninsured Motorist and UnderInsured Motorist
- $25,000/$50,000 of (UM) Uninsured Motorist Coverage
- $25,000/$50,000 of (UIM) Underinsured Motorist Coverage
— Personal Injury Projection
- $40,000 PIP per accident per person per accident
While no-fault auto insurance laws certainly reduce your exposure to litigation from minor car accidents they are certainly not full protection against any possible car accident scenario.
Any damage exceeding your policy limits can still expose you to personal liability and should you operate a vehicle with extreme negligence that injured parties can file suit against you.
Let’s take a look at the average monthly car insurance rates.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Minnesota Car Insurance Companies
The number of auto insurance companies in Minnesota is close to 150 so drivers have a wealth of auto insurers to choose from.
Most national providers such as State Farm, Progressive, and Geico all have a presence along with a large number of mid-Western and regional providers who provide quality coverage with affordable car insurance rates.
Let’s take a closer look at how ZIP codes affect car insurance in Minnesota.
Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in MN.
Take a look at these 6 major factors affecting auto insurance rates in Minnesota.
Now let’s see who is the cheapest car insurance company in Minnesota.
Who are the largest car insurance companies in Minnesota?
From the good driver discount to multi-policy discounts, Minnesota drivers can often save 20-50 percent off premiums with the right combination of insurance company and discounts.
| Car Insurance Cost in Minnesota by City |
|---|
| Badger, MN |
| Brainerd, MN |
| Dumont, MN |
| Hastings, MN |
| Motley, MN |
Enter your zip code below to get FREE car insurance quotes today!
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
