Get a Minnesota car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Minnesota
Minnesota auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMinnesota minimum car insurance requirements (30/60/10)
It's illegal to drive without car insurance in Minnesota. To drive legally, you need to have at least the following coverage amounts and minimums in Minnesota.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $30,000 per person and $60,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
| Uninsured/Underinsured Motorist Coverage | $25,000 per person and $50,000 per accident |
| Personal Injury Protection (PIP) | $40,000 |
Find more information through the Minnesota Department of Commerce.
Average car insurance cost in Minnesota, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Minnesota is about $1,824 per year.
Minnesota drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Minnesota?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Minnesota you're only required to have the state minimum coverage.
However, "full car insurance" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
Who offers cheap car insurance in Minnesota?
Finding the cheapest car insurance in Minnesota may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Is Minnesota a no-fault car insurance state?
Yes. Minnesota is a no-fault car insurance state. That means that your Personal Injury Protection (PIP) coverage, which is required by law, can pay your medical expenses and a portion of your lost wages, regardless of who caused the crash. Minnesota requires you carry $40,000 in PIP. It’s split equally between medical expenses and non-medical expenses.
In Minnesota’s no-fault system, PIP coverage is the primary medical coverage for injury claims. You can file a separate liability claim against an at-fault driver if your medical expenses exceed $4,000 or if you’re out on disability for 60 days or more. Property damage is not part of the no-fault system, so vehicle damage is handled through liability claims against the at-fault driver.
Minnesota car insurance FAQs
The best car insurance for you depends on your unique needs and budget. Some Minnesota drivers prioritize affordable rates, while others want broader coverage options and added protection.
Liberty Mutual offers customizable auto insurance coverage in Minnesota, with options that can be tailored to your vehicle, driving habits, and coverage preferences. You can also bundle your auto policy with home or renters insurance to help manage your insurance needs in one place.
Comparing quotes, coverage options, and discounts from multiple insurers can help you find the car insurance that's the best fit for you.
- The cheapest car insurance in Minnesota depends on factors like your age, driving history, vehicle, location, and coverage choices. Liberty Mutual offers competitive rates, along with savings opportunities like bundling discounts and safe driver savings through RightTrack®.
- Minnesota doesn’t have a legal definition of “full-coverage car insurance” but the term usually refers to any insurance policy that covers more than the state’s required minimum liability, PIP, and Uninsured/Underinsured Motorist Coverage. Adding Comprehensive Coverage and Collision Coverage to those is generally considered “full” coverage.
- Liberty Mutual offers several discounts on Minnesota car insurance. Buying your policy online qualifies you for an Online Purchase Discount. Bundling home and auto insurance can also save you some money. We also offer discounts for going paperless, safe driving, and being a good student if you’re in school.