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Minnesota Auto Insurance Rates & Requirements

Minnesota requires 30/60/10 minimum liability coverage — $30,000 per person, $60,000 per accident for bodily injury, and $10,000 for property damage. Average full coverage costs $140–$180/month, while minimum coverage typically runs $50–$75/month based on available industry data.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Minnesota operates as a no-fault state, requiring Personal Injury Protection (PIP) coverage in addition to standard liability. All drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. The Minnesota Department of Commerce regulates insurance requirements and enforces compliance through driver's license and registration suspensions.

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30/60 ($30,000 per person / $60,000 per accident)
Bodily Injury Liability
Covers injuries you cause to others in an at-fault accident. Minnesota's minimums are higher than many neighboring states but may be insufficient for serious crashes — a single hospital stay can exceed $30,000. The state Department of Commerce recommends at least 100/300 limits for adequate protection.
$10,000 per accident
Property Damage Liability
Pays for damage you cause to another person's vehicle or property. The $10,000 minimum is notably low given that the average new vehicle price exceeds $45,000 in Minnesota. Total loss of even a modest newer vehicle would exceed this limit.
$40,000 per person (with $20,000 medical, $20,000 lost wages/services)
Personal Injury Protection (PIP)
Required in Minnesota as a no-fault state, PIP covers your medical expenses and lost income regardless of who caused the accident. Minnesota law allows you to reject PIP in writing, but this eliminates your no-fault protection. The $40,000 minimum includes sub-limits: $20,000 for medical expenses, $20,000 for wage loss and replacement services, and coverage for funeral expenses up to $2,000.
25/50 minimum (or same as bodily injury limits if higher)
Uninsured/Underinsured Motorist Coverage
Must match your bodily injury liability limits in Minnesota. With approximately 11% of Minnesota drivers uninsured, this coverage protects you when hit by someone without adequate insurance. You may reject this coverage in writing, but given the uninsured driver rate in urban areas like Minneapolis and St. Paul, most drivers retain it.
State-Mandated Minimum Coverage · Minnesota

Minnesota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$10,000

License Reinstatement Fee$30

Meeting the state minimum keeps you legal. See whether it's enough — get your Minnesota quote.

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Cost Overview

Minnesota's no-fault system and mandatory PIP requirement elevate costs compared to traditional tort states. Winter weather contributes to higher comprehensive and collision claims from November through March, while the Twin Cities metro area sees elevated rates due to population density and higher theft rates.

What Affects Your Rate

  • Winter weather severity increases comprehensive claims by approximately 35–45% from December through February, primarily from hail damage, ice-related incidents, and deer collisions in rural areas.
  • Minneapolis and St. Paul rank among the top 20 metro areas nationally for vehicle theft, elevating comprehensive coverage costs by 20–30% compared to outstate regions.
  • No-fault PIP requirement adds $15–$25/month to base premiums compared to neighboring tort states like Wisconsin and Iowa.
  • Credit-based insurance scoring significantly impacts rates — drivers with excellent credit typically pay 40–60% less than those with poor credit for identical coverage.
  • Multi-car households in Minnesota save an average of 15–25% compared to insuring vehicles separately.
  • Young drivers under 25 face premiums 80–150% higher than middle-aged drivers due to accident frequency, with males paying 10–20% more than females in the same age bracket.
Minimum Coverage
$50–$75/mo
Covers only state-required 30/60/10 liability, $40,000 PIP, and 25/50 uninsured motorist. Leaves you financially exposed for vehicle damage and liability beyond minimums.
Standard Coverage
$95–$135/mo
Includes 100/300/100 liability, standard PIP, collision and comprehensive with $500 deductible. Provides balanced protection for most drivers with financed or newer vehicles.
Full Coverage
$140–$180/mo
Features 250/500/100 liability, enhanced PIP, comprehensive and collision with lower deductibles, and optional coverages like rental reimbursement and roadside assistance. Best for high-value vehicles or drivers seeking maximum protection.

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Coverage Types

Liability Insurance

Minnesota requires 30/60/10 minimum liability, but medical costs and vehicle values frequently exceed these limits. Many drivers carry 100/300/100 or higher to protect assets in serious accidents.

Full Coverage

Bundles liability, PIP, comprehensive, collision, and uninsured motorist into complete protection. Lenders require this for financed vehicles, and it's the standard choice for vehicles worth over $5,000.

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, weather events, fire, and animal strikes. Pays the actual cash value of your vehicle minus your deductible.

Collision Coverage

Pays to repair or replace your vehicle after a crash with another vehicle or object, regardless of fault. Works alongside comprehensive to protect your vehicle investment.

Uninsured Motorist Coverage

Required to match your liability limits in Minnesota. Protects you and your passengers when hit by a driver without insurance or insufficient coverage to pay for your injuries.

Find Your City in Minnesota

Minneapolis, Minnesota cityscape and street view

Minneapolis

urban
St. Paul, Minnesota cityscape and street view

St. Paul

urban
Rochester, Minnesota cityscape and street view

Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
Row of white and beige townhouses with autumn trees on hillside in background

Bloomington

suburban
Aerial view of city skyline with downtown skyscrapers, river, and mixed residential buildings surrounded by trees

Brooklyn Park

suburban
Japanese garden with wooden bridge over pond, surrounded by rocks, plants and pergola structure

Plymouth

suburban
Red stop sign on residential street with white townhouses and green hills in background

Maple Grove

suburban

Frequently Asked Questions

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