What is the average cost of car insurance in Minnesota?
Minnesota drivers paid an average of $973 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is mandatory in Minnesota?
A car insurance policy with minimum amounts of liability and personal injury protection coverage is required in Minnesota. However, minimum coverage may not be the full extent of coverage you want. As of March 2023, 30/60/10 liability coverage limits are the minimum required in Minnesota.
COVERAGE TYPE
MINNESOTA MINIMUM REQUIREMENTS
Bodily injury liability
$30,000 per person; $60,000 per accident
Property damage liability
$10,000 per accident
Personal injury protection
$40,000 per person
Uninsured/underinsured motorist bodily injury liability
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Bodily injury liability
MINNESOTA MINIMUM REQUIREMENTS
$30,000 per person; $60,000 per accident
COVERAGE TYPE
Property damage liability
MINNESOTA MINIMUM REQUIREMENTS
$10,000 per accident
COVERAGE TYPE
Personal injury protection
MINNESOTA MINIMUM REQUIREMENTS
$40,000 per person
COVERAGE TYPE
Uninsured/underinsured motorist bodily injury liability
MINNESOTA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What does car insurance typically cover in Minnesota?
A typical car insurance policy in Minnesota includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Minnesota car insurance discounts
Farmers offers a variety of discounts for drivers in Minnesota. For example:
- Multi-vehicle
- Multi-policy
- Youthful driver
See more information about additional discounts that may be available in Minnesota.
Stone Arch Bridge
Built in 1883, it’s not just the oldest bridge in Minneapolis, it’s also the only arched stone bridge on the entire Mississippi River. — Atlas Obscura
View more coverage options in Minnesota
Minnesota home insurance
Learn more about what home insurance in Minnesota covers, available discounts and more.
View home insurance coverage details and discounts for Minnesota
Minnesota renters insurance
Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.
Learn From Experience
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To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
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What Is Uninsured Motorist Coverage?
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
