Minnesota car insurance

Minneapolis skyline overlooking Mississippi River

Common questions about Minnesota
auto insurance

Need car insurance in Minnesota? Whether you live in Minneapolis or St. Paul, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Minnesota auto insurance, so you only pay for what you need.

What car insurance is required in Minnesota?

In Minnesota, it's illegal to drive without insurance. Drivers in Minnesota are required to have car insurance coverage for

Bodily Injury to Others
Property Damage
Uninsured/Underinsured Motorist Coverage

Here are the minimum auto insurance limits drivers must have in Minnesota.²

Coverage	Amount
Bodily Injury to Others	$30,000 per person and $60,000 per accident
Property Damage Liabilty	$10,000 per accident
Personal Injury Protection (PIP)	$40,000 per person
Underinsured Motorist	$25,000 per person and $50,000 per accident

Check out the Minnesota Department of Commerce for more details.

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.

What's the average cost of car insurance in Minnesota?

The average cost of car insurance in Minnesota was $2,312³ in 2024 according to thezebra.com. That's 7% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Minnesota auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Minnesota state highlighted

What Minnesota car insurance coverage is right for you?

All Minnesota drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Minnesota car insurance to get the coverage that fits you.

See all of our auto coverage options.

What's the best car insurance in Minnesota?

Liberty Mutual knows that everyone has different needs for their Minnesota auto insurance. Some may want the cheapest Minnesota car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Minnesota car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Minnesota?

Getting the cheapest car insurance in Minnesota may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴