Car Insurance in Minnesota
The numbers were refreshed .
You’ll find what Minnesota drivers pay, the legal minimum and who charges the least.
- $114.average monthly cost for full coverage
- 30/60/10.lowest liability limits
- 31st of 51.state ranking by cost (1st = highest).
Car insurance rates in Minnesota
Full coverage costs the average Minnesota driver $1,373 each year, or about $114 each month. Policies with just the legal minimum cost an average of $586 each year. This is 15% below the US average of $1,613 each year.
| Coverage in Minnesota | Per year | Per month |
|---|---|---|
| Liability | $586 | $49 |
| Collision | $398 | $33 |
| Comprehensive | $388 | $32 |
| Full coverage (all three) | $1,373 | $114 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Minnesota's legal minimum
Minnesota sets minimum liability requirements of 30/60/10: $30,000 applies to each injured person, $60,000 covers everyone injured in one crash and $10,000 covers damage to other people's property.
In Minnesota's no-fault system, your own policy covers your medical bills after a crash, regardless of who caused it.
You must have both uninsured and underinsured motorist coverage.
Source: Minnesota Department of Commerce, Auto Insurance Guide (PDF).
How many Minnesota drivers lack insurance?
In 2023, about 11% of Minnesota drivers lacked car insurance, the 34th highest share among the 51. If an uninsured driver hits you, this coverage pays your bills.
Learn more about car insurance in Minnesota
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