Best Auto Insurance Rates in Minnesota

On average, your neighbors pay $65 a month.

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The long, cold winters in Minnesota produce a lot of treacherous driving conditions. With drivers at an elevated risk of a car insurance claim due to snowy and icy roads, it pays to be knowledgeable about Minnesota car insurance.

We’ll show you which types of coverage are legally required in Minnesota, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average Minnesota Car Insurance Rates

How much is car insurance in Minnesota? Drivers here are very safe drivers and insurance companies have taken notice. Minnesota car insurance rates are much lower than the national average. The average cost of auto insurance in Minnesota is $787.74, compared to the national average price of $889.01.

Prices may vary depending on your zip code, limits, and coverage.

Minnesota (MN) Average Car Insurance Rates
Coverage Rates
Liability $456.82
Collision $234.40
Comprehensive $184.27
Total Cost Per Year $787.74
Price Per Month $65.64
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Minnesota rates from 2011 to 2015, the most recent year the data is available. According to the III, Minnesota car insurance rates increased from $696 in 2011 to $787 in 2015, a jump of $91 dollars, or 13.18 percent.

Minnesota average car insurance rates

Shopping for car insurance in Minnesota can seem like a lot of work. From researching companies to comparing rates, it’s easy to get overwhelmed.

Let QuoteWizard help. Fill out our easy to use (and understand) form and you’ll be well on your way to finding cheap car insurance in Minnesota. How? We’ll put you in touch with top insurance companies so you can compare quotes and get the best rates.

Last year, 40,680 people used QuoteWizard to get an auto insurance quotes comparison in Minnesota from multiple companies to lower their rates.

Best Car Insurance Companies in Minnesota

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Minnesota. Out of the 40,680 Minnesota drivers that used QuoteWizard to request insurance quotes last year, 5,170 had no car insurance.

Top 10 Vehicles in Minnesota

These are the most common vehicles owned by Minnesota drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Chevrolet Blazer
  4. Chevrolet Impala LS/LT
  5. Ford Taurus SE
  6. Ford Ranger
  7. Buick LeSabre
  8. Honda Accord EX/LX
  9. Chevrolet Cavalier
  10. Ford Explorer
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Minnesota State Auto Insurance Laws

Minimum Car Insurance Requirements in Minnesota

Legally, all Minnesota drivers are required to maintain a minimum amount of coverage for all vehicles registered in their name.  While companies may offer different pricing and additional coverage options, all policies must follow the 30/60/10 rule.

That means that all drivers in Minnesota  must have at least the following car insurance coverage:

  • $30,000 of coverage for bodily injury liability per person
  • $60,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident
  • $25,000 of uninsured/underinsured motorist bodily injury coverage per person
  • $50,000 of uninsured/underinsured motorist bodily injury coverage per incident
  • $20,000 of coverage for Personal Injury Protection - medical coverage
  • $20,000 of coverage for Personal Injury Protection - economic loss

Minnesota is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured.  Liability coverage is meant to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. Personal Injury Protection coverage is intended to pay for your medical expenses and lost wages after an accident, regardless of who was at fault.

Recommended Coverage Levels

Insurance rates vary from region to region in Minnesota. If you live in an area with a high property crime rate, for example, it will hurt your auto insurance premiums. Taking steps to keep your car safe is one of the best ways to lower your auto insurance rate. Also, adding comprehensive coverage will protect you from theft or vandalism. Consider it if your neighborhood has a high property crime rate.

Minimum liability insurance is required by the state, but it’s only intended to cover the other driver’s damages in a crash. To make sure your damages are covered after a crash, look into full coverage. On top of that, the total cost of a serious crash could go well over the top payout minimum liability provides. As such, it’s recommended that you purchase the following coverage:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Auto Insurance

Be sure to have proof of your insurance policy on hand at all times while driving.  All Minnesota drivers are required by law to be able to provide proof of insurance, whether on paper or electronically, at any request by an officer of the law.  The following information should be included.

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, and/or model of the insured vehicles, or the name of the driver.


Driving without insurance in Minnesota is carries a minimum fine of $200 and may ultimately result in your driver’s license being suspended.

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SR-22 Requirements

The state of Minnesota doesn't require an SR-22 from drivers convicted of DUIs or other offenses. However, if you've moved to Minnesota from another state where you had filed an SR-22, you must maintain it in that state for as long as required by that state's law.

State of Minnesota Traffic Safety Laws

Distracted Driving Laws

While operating a motor vehicle, all drivers are banned from sending or receiving a text message while on the road.  Drivers under the age of 18 must refrain from using a cell phone at all. School bus drivers are also banned from using cell phones in any way while driving.

Implied Consent Law

Minnesota’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of Driving While Impaired (DWI). Refuse the test and you’ll face the following penalties in addition to the penalties for a DUI:

  • First Offense: 1-year driver's license revocation
  • Second Offense: 1-year driver's license revocation
  • Third Offense: 1-year driver's license revocation

DWI Law and Penalties

If you drive or operate a motor vehicle in Minnesota with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Impaired (DWI).

The penalties for a first offense DWI conviction are:

  • Up to 90 days in jail
  • A $1,000 fine
  • A driver’s license suspension of up to 90 days
  • Required installation of an ignition interlock device

The penalties for a second offense DWI conviction are:

  • Up to 1 year in jail
  • A $3,000 fine
  • A driver’s license suspension of up to 180 days
  • Required installation of an ignition-interlock device

The penalties for a third offense DWI conviction are:

  • Up to 1 year in jail
  • A $3,000 fine
  • A driver’s license suspension of at least 1 year
  • Required installation of an ignition interlock device

The penalties for a fourth offense DWI conviction are:

  • Up to 7 years in jail
  • A $14,000 fine
  • A driver’s license suspension of up to 4 years
  • Required installation of an ignition interlock device

Senior Drivers in Minnesota

For all drivers in Minnesota, the regular renewal cycle is every 4 years. There are no special provisions for senior drivers.

Seat Belt Laws

All vehicle occupants are required to be securely fastened with an appropriate safety device.  For children under age 8, that means car seats or booster seats. For occupants over age 8, that means seat belts.  Failure to comply with this law results in a $25 fine (plus an approximately $75 court surcharge).

Vehicles Registered in Another State

Until your car is registered in the state of Minnesota, you must carry the required minimum levels of insurance designated by your state of origin.

Vehicle & Driver Risk in Minnesota

Uninsured Motorists

In 2012 it was estimated that 10.8% of all drivers on Minnesota roads had no car insurance. This number is slightly below the national average of 12.6%, and ranks Minnesota 28th in the nation for uninsured motorists.

Vehicle Thefts in Minnesota

In Minnesota 8,367 cars were reported stolen in 2014, a 5% increase compared to the 7,966 vehicles reported stolen in 2013.

In 2014, Minnesota’s vehicle theft rate was 153.3 per 100,000, an increase of 4.4% from the 2011 rate of 146.9 per 100,000.

The vehicle theft rate in Minnesota is well below the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Minnesota

Below is a list of the most frequently stolen vehicles in the State.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1997 Honda Accord
  2. 1998 Honda Civic
  3. 1999 Honda CR-V
  4. 1999 Chevrolet Pickup (Full Size)
  5. 2000 Ford Pickup (Full Size)
  6. 1995 Toyota Camry
  7. 2006 Chevrolet Impala
  8. 2001 Dodge Caravan
  9. 1994 Toyota Corolla
  10. 2001 Ford Explorer

Minnesota Auto Insurance Company Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 14.3% Progressive
2 11.1% American Family
3 7.5% Farmers
4 5.9% Allstate
5 3.8% Liberty Mutual
6 2.9% Berkshire Hathaway Inc.
7 2.8% Auto-Owners Insurance
8 2.7% USAA
9 2.6% Nationwide

Minnesota Department of Commerce - Insurance

Commissioner - Insurance:
Mike Rothman
Insurance Hotline:
(651) 539-1600

File a Consumer Insurance Complaint

Consumer Complaints Information

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