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Compare Quotes to Get the Cheapest Car Insurance Rates in Minnesota

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

Minnesota residents are very safe drivers and insurance companies have taken notice. Minnesota car insurance rates are much lower than the national average. The price you pay may vary depending on your zip code, limits, and coverage.

On average, the average cost of auto insurance in Minnesota is $744.51, compared to the national average cost of $841.23.

Minnesota Average Car Insurance Rates
Coverage Rates
Liability $441.79
Collision $210.01
Comprehensive $171.80
Total Cost Per Year $744.51
Price Per Month $62.04

Compare Car Insurance Quotes in Minnesota

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 affordable car insurance. 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 top companies and find the cheapest rates.

Top 10 Vehicles in Minnesota

These are the 10 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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Top 10 Minnesota Car Insurance Companies

Last year, these were the 10 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.

  1. Progressive Casualty
  2. Allstate Ins
  3. Farmers Ins
  4. Geico
  5. Esurance
  6. Liberty Mutual
  7. AIG
  8. 21st Century Insurance
  9. MetLife
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Minnesota State Auto Insurance Laws

Car Insurance Minimum Coverage

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.

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.

Penalties

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

Child Restraint Law

All children under age 8 are required to ride in a federally approved car seat or booster seat designed for their age range, unless they are 4 feet 9 inches or taller. In that case, they may use the vehicle's seat belts. Any passenger between the ages of 8 and 17 are required to be secured with a seat belt at all times. The penalty for this violation is $25 (plus an approximately $75 court surcharge).

Graduated Driver’s License Program

Before young drivers are granted full rights on the road, they must complete the Minnesota graduated driver's license process.  Starting at the age of 15 they can apply for a learner's permit, and must hold that learners permit for 6 months and log 50 supervised hours, with 15 of these hours taking place at night. If young drivers parent completes a 90 min. instructor class, then driver only has to log 40 hours of supervised driving, with 15 of those hours taking place at night.  Once these conditions are satisfied, and the driver has reached at least the age of 16, they can take the driver’s test.

If they pass the test, a provisional license is issued.  Drivers with provisional licenses cannot drive between the hours of midnight and 5 am. During their first six months of driving with their provisional license, drivers may have a maximum of one passenger in the car under age 20 (excluding family). After they've been driving with a provisional license for six months, they may have a maximum of three passengers under age 20 (excluding family).

Once a driver turns 17 and passes the final driving exam, full driving privileges are granted.

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.

The Cost of Driving in Minnesota

Average Car Insurance Rates

Minnesota ranks 28th out of the 50 states for car insurance expense.  With the average cost of coverage coming in at $744.51 in 2013, car insurance in Minnesota is significantly less expensive than the national average of $841.23.

Fuel Taxes

The state of Minnesota taxes gasoline and diesel fuel at 28.6 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel fuel. The total tax on a gallon of regular gasoline is 47 cents. The total tax on a gallon of diesel fuel works out to 53 cents.

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.

Traffic Fatalities

In 2014 Minnesota recorded 361 traffic-related deaths, a 7% decrease from the 387 in 2013.

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

Website:
http://mn.gov/commerce/industries/insurance/
Commissioner - Insurance:
Mike Rothman
Insurance Hotline:
(651) 539-1600

File a Consumer Insurance Complaint

Website:
Consumer Complaints Information

Sources:

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