Liability Car Insurance in Minnesota
Numbers refreshed
Minnesota's cheapest legal policy: what you pay and what it leaves out.
- The average monthly cost for liability is $49.
- 30/60/10.the minimum liability limits.
- 31st of 51.the most expensive state (1st = highest).
How much does liability cost in Minnesota?
Minnesota's liability-only car insurance has an average yearly cost of $586, or about $49 monthly. For liability insurance, the state ranks 34th in cost.
| 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).
What you're still paying with the minimum
Minnesota's minimum liability requirement is 30/60/10. Each person hurt is covered for $30,000, all hurt in one crash for $60,000, and damage to other people's property for $10,000.
Liability coverage pays claims for other people. You pay for fixing your own car out of pocket unless you add collision.
Crash costs above your limits can be charged to you. Higher limits usually raise your price much less than they raise your protection.
Learn more about car insurance in Minnesota
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