Minnesota Car Insurance

Whether you’re driving the family out to Red Lake for a fishing vacation or commuting into Minneapolis for work, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.

Please enter a 5 digit zip code.

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

home icon

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

Learn From Experience

Expand your knowledge base with articles relevant to you.


Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

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.  

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

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.