What is the minimum car insurance required in Minnesota?

Minnesota requires 30/60/10 + $40K PIP + UM/UIM 25/50 — no-fault state. Additional required coverage: $40K PIP + UM/UIM 25/50 required (no-fault state). Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in Minnesota?

Minnesota drivers pay an average of $174/month ($2,089/year) for full coverage and $70/month ($836/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in Minnesota?

For minimum coverage, Auto-Owners is cheapest at $41/month ($491/year average). For full coverage, State Farm (or USAA for military) averages $100/month ($1,200/year). USAA cheapest for military; State Farm cheapest national carrier for general public

How can I lower my car insurance in Minnesota?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline. In Minnesota specifically, allows credit-based insurance pricing.

Do I need uninsured motorist coverage in Minnesota?

Yes — Minnesota requires uninsured/underinsured motorist (UM/UIM) coverage by law. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

Downtown Minneapolis Minnesota with people walking near city buildings

Verified May 1, 2026·47,000+ readers·Independent rankings

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Quick Answer — Minnesota

Minimum coverage required: 30/60/10 + $40K PIP + UM/UIM 25/50 — no-fault state
Avg full coverage cost: $174/month ($2,089/year)
Cheapest carrier (minimum): Auto-Owners — $41/mo avg
Cheapest carrier (full coverage): State Farm (or USAA for military) — $100/mo avg

What's special about car insurance in Minnesota

No-fault state with $40K mandatory PIP
Allows credit-based insurance pricing
Winter weather drives some seasonal claim variability
Auto-Owners and American Family (regional Midwest carriers) consistently competitive

Minnesota car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	30/60/10 + $40K PIP + UM/UIM 25/50 — no-fault state	—	—
Avg minimum coverage cost	$70/mo	$836/yr	—
Avg full coverage cost	$174/mo	$2,089/yr	—
Cheapest carrier (minimum)	Auto-OwnersBest	$41/mo	$491/yr
Cheapest carrier (full coverage)	State Farm (or USAA for military)Best	$100/mo	$1,200/yr

Which carrier should Minnesota drivers pick?

Match your situation to the right carrier. Minnesota-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coverageAuto-OwnersCheapest in Minnesota at $41/mo.
You want full coverage at the lowest priceState Farm (or USAA for military)$100/mo full coverage in Minnesota. USAA cheapest for military; State Farm cheapest national carrier for general public
You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Verified by the WalletGrower Editorial Team — current as of July 2026. We update rates, bonuses, fees, and product details regularly against each provider's published disclosures. Vendors can change offers between our update cycles, so we always recommend confirming the current published rate or bonus on the provider's site before signing up or applying.

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Methodology & sources

All Minnesota data on this page was WebSearch-verified May 2026 against the Minnesota insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.