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Whether heading to work or spending a day at one of the state’s famous lakes, Minnesota drivers need car insurance to get everywhere they need to go. We’re heading up to the Land of 10,000 Lakes to review minimum requirements for car insurance, how to get the best rate, and how to get car insurance quotes in Minnesota.

Whenever you’re shopping for cheap car insurance, we recommend getting quotes from multiple providers and comparing them to be sure you’re getting coverage for the best possible price, as many factors can impact your car insurance quote. To help you make a more educated decision, our review team evaluated 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks.

Read on to learn more about auto insurance quotes in Minnesota. To get started, simply enter your zip code in the form below to compare best Minnesota car insurance quotes. For an even easier process, you can call our team at (844) 246-8209 to get free, personalized quotes seven days a week.


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Minnesota Auto Insurance Minimum Requirements

Each state has different requirements when it comes to the minimum amount of car insurance motorists are required to carry. Car insurance quotes in Minnesota must meet the state minimum coverage limits, which are 30/60/10 for liability insurance (BI/PD). That means motorists are required to carry:

  • $30,00 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $10,000 in property damage liability

In addition, drivers must have the following coverage in Minnesota:

  • $40,000 in personal injury protection (PIP)
  • $25,000/$50,000 in uninsured/underinsured motorist coverage (UM/UIM)

Minnesota is a no-fault state. This means that in the event of a collision, your own auto insurance company covers the cost of your medical expenses with your PIP coverage, regardless of which party is at fault for the car accident.

Beyond the minimum auto insurance coverage requirements, motorists have the option to purchase additional coverage like:

Be sure that your Minnesota auto insurance quotes accurately reflect the type of coverage you want before signing on the dotted line for a policy.

Factors That Affect Minnesota Car Insurance Quotes

Car insurance quotes in Minnesota vary from provider to provider. The average car insurance payment rate depends on many factors including:

  • Your age
  • Gender
  • Type of vehicle you want to insure
  • Number of miles you drive annually
  • Driving record
  • Zip code
  • And more

How Much Does Car Insurance Cost In MN?

Auto insurance in Minnesota costs less than the national average. According to the Insurance Information Institute, Minnesota drivers spent an average of $840.12 on insurance in 2017, which was less than the national average of $1,004.58. Keep in mind that not all drivers purchased the same amount of coverage, so your own car insurance rates could be higher or lower.

Here’s a breakdown of the coverage costs for car insurance in Minnesota that year according to the Insurance Information Institute (III):

Type Of Coverage Average Annual Expenditure in 2017
Liability coverage $483.93
Collision coverage $257.41
Comprehensive coverage $197.67
Total cost $840.12

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

Enter your zip code in the tool below to start comparing Minnesota car insurance quotes, or call (844) 246-8209.


The average expenditure for liability insurance coverage only was $466.75 in 2016. Collision ran about $244.98, and comprehensive was around $188.95. The only way to know what you will pay for a policy is to reach out for MN car insurance quotes.

Cheap Liability Coverage In Minnesota

When you’re looking for cheap auto insurance quotes in Minnesota, it’s important to understand your options. There are many factors that could help you reduce the cost of your liability premium, including:

  • Discount opportunities: Car insurance discounts vary between providers, so be sure to ask what you could qualify for. In Minnesota, policyholders 55 years and older who complete a defensive driving course can often get a discount.
  • Comparing quotes: When you’re looking for car insurance companies, get quotes from multiple sources to be sure the policy you choose comes with the best coverage and price.
  • Bundling home and auto insurance: Many companies offer discounts to policyholders who buy different types of insurance, such as home and auto insurance, with the same company.
  • Improving your credit score: Credit score is one of the many factors insurance companies use to determine a driver’s risk. The Federal Trade Commission has collected data that shows a relationship between a lower credit score and a higher number of claims filed. Because of this, your credit score can increase your premium. Take steps to improve your score over time for the best car insurance rates.

What If I Can’t Afford Minimum Car Insurance In Minnesota?

Driving without proof of insurance is a misdemeanor in Minnesota. If you’re caught driving without insurance in Minnesota, you could be facing serious punishment like:

  • Fines between $200 and $1,000
  • Up to 90 days in jail
  • Possible community service hours
  • Loss of license or registration for repeat offenders

Recommendations For Minnesota Car Insurance Quotes

When you’re shopping for the best car insurance quotes in Minnesota, it’s smart to get quotes from a few companies to be sure you’re getting the best price for your coverage and save money. Whether you are heading to the twin cities or somewhere else in the North Star State, we recommend drivers in Minnesota check out Geico and State Farm.

Geico Insurance Quotes

Geico auto insurance regularly receives high marks from industry experts, including an A+ from the Better Business Bureau (BBB) and an A++ (Superior) financial strength rating from AM Best. We gave the provider 4.6 stars in our own review.

With Geico, you have access to the standard types of car insurance, as well as mechanical breakdown insurance, roadside assistance, rental car reimbursement, and rideshare coverage. Discount opportunities include a good student discount, federal employee discount, military discount, and more.

Read more in our Geico review.

State Farm Insurance Quotes

State Farm auto insurance is also a great option when considering insurers in Minnesota. The auto insurance company offers very high liability limits that are more than enough to meet Minnesota’s minimum requirements. State Farm auto insurance has also received positive reviews from auto industry leaders and customers.

With the Drive Safe and Save program, you can get a lower rate by using a mobile app that monitors your safe driving habits. Plus, State Farm’s Steer Clear program works as a driving course refresher that can get drivers under 25 years old a discount. When you reach out for a quote, see what other discounts you might qualify for.

Read more in our State Farm insurance review.

To compare car insurance quotes in Minnesota, enter your zip code into the tool below or call (844) 246-8209.



In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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