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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. Drivers pay $110–$145/month on average for minimum coverage, with full coverage ranging $180–$240/month based on available industry data.

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Updated May 2026

State Requirements

Minnesota operates as a no-fault state, requiring Personal Injury Protection (PIP) coverage to pay your own medical expenses regardless of who caused the accident. All drivers must carry proof of insurance and may face license suspension after 30 days of continuous non-compliance. The Minnesota Department of Commerce regulates insurance requirements and enforces penalties for uninsured driving.

Minnesota cityscape and street view
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 minimum $30,000 per person limit can be exhausted quickly in serious crashes — the average bodily injury claim in the state exceeds $22,000 based on industry data. Many drivers carry $100,000 or more to protect personal assets from lawsuits.
$10,000 per accident
Property Damage Liability
Pays for damage you cause to others' vehicles and property. The $10,000 state minimum is among the lowest nationally and inadequate for multi-vehicle crashes or collisions with newer vehicles. Totaling a $35,000 SUV with minimum coverage leaves you personally liable for $25,000.
$40,000 with $20,000 medical expense coverage
Personal Injury Protection (PIP)
Required in Minnesota's no-fault system, PIP covers your medical bills, lost wages, and essential services regardless of fault. The mandated $20,000 medical expense limit within the $40,000 total benefit applies per person, and Minnesota law allows you to reject higher limits in writing. PIP reduces lawsuits by covering your own injuries first before seeking compensation from the at-fault driver.
Must equal your liability limits unless rejected in writing
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your claim. With approximately 12% of Minnesota drivers uninsured, this coverage is automatically included at the same limits as your liability unless you explicitly waive it. The underinsured portion applies when the at-fault driver's policy maxes out below your total damages.
Not required
Collision Coverage
Pays for damage to your vehicle after a collision with another car or object, minus your deductible. Minnesota's no-fault system covers your medical bills through PIP, but collision coverage is the only way to repair your own vehicle after an at-fault crash. Lenders require this coverage if you finance or lease.
Not required
Comprehensive Coverage
Covers non-collision damage from theft, hail, deer strikes, and weather events minus your deductible. Minnesota averages over 2,000 deer-vehicle collisions annually, and severe hailstorms across the Twin Cities metro and southern counties cause millions in vehicle damage each year. This coverage is essential for drivers in rural areas and storm-prone regions.
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 insurance costs are driven by no-fault PIP requirements, long winter driving seasons with elevated crash rates, and urban density in the Twin Cities metro. Rates vary significantly by county — Hennepin and Ramsey County drivers pay 20–30% more than outstate residents due to higher theft and accident frequency based on available industry data.

What Affects Your Rate

  • Twin Cities metro drivers in Minneapolis, St. Paul, Bloomington, and surrounding Hennepin and Ramsey County suburbs pay 20–30% more than Greater Minnesota residents due to higher traffic density and theft rates.
  • Winter weather impacts premiums — Minnesota's 4–5 month snow season from November through March correlates with a 35–40% increase in collision claims compared to summer months based on industry data.
  • Uninsured motorist rates near 12% statewide push up costs for insured drivers, with higher concentrations in certain urban zip codes and rural border counties.
  • Vehicle theft rates in Minneapolis rank among the top 50 nationally, with Kia and Hyundai thefts spiking 300% from 2021–2023, increasing comprehensive premiums across the metro.
  • Drivers under 25 pay $200–$350/month on average due to Minnesota's graduated licensing laws and elevated crash rates for young operators.
  • Credit-based insurance scores significantly impact rates in Minnesota — drivers with poor credit may pay 50–80% more than those with excellent credit for identical coverage, though the state requires insurers to justify score usage.
Minimum Coverage
$110–$145/mo
State-required 30/60/10 liability plus mandatory $40,000 PIP coverage. Leaves you financially exposed in serious crashes and provides no coverage for your own vehicle damage.
Standard Coverage
$145–$190/mo
Increases liability to 100/300/100 limits and adds collision and comprehensive with $500–$1,000 deductibles. Balances protection and affordability for most drivers with paid-off vehicles.
Full Coverage
$180–$240/mo
High liability limits (250/500/100 or more), low deductibles ($250–$500), and enhanced PIP or optional medical payments coverage. Protects significant assets and provides maximum peace of mind for families and high-net-worth drivers.

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Minnesota's 30/60/10 minimum is below national average liability limits and inadequate for serious crashes.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both you and your vehicle. Typically includes 100/300/100 liability limits or higher with low deductibles.

Comprehensive Coverage

Pays for non-collision damage including theft, vandalism, weather events, falling objects, and animal strikes minus your chosen deductible.

Collision Coverage

Repairs or replaces your vehicle after a crash with another car or object, regardless of fault, minus your deductible.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits to cover your injuries and damages.

SR-22 Insurance

A certificate filed with the state proving you carry required insurance, mandated after DWI convictions, license suspensions, or serious violations.

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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