Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 27, 2020

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In a nutshell...

  • 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.

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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.

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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.

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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.

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Take a look at these 6 major factors affecting auto insurance rates in Minnesota.

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Now let’s see who is the cheapest car insurance company in Minnesota.

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Who are the largest car insurance companies in Minnesota?

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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.

Enter your zip code below to get FREE car insurance quotes today!