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Minnesota Auto Insurance Rates & Requirements

Minnesota requires 30/60/10 minimum liability coverage — $30,000 per person, $60,000 per accident for bodily injury, and $10,000 for property damage. Drivers pay $110–$145/month on average for minimum coverage, with full coverage ranging $180–$240/month based on available industry data.

Liability Coverage — insurance-related stock photo

Updated March 2026

State Requirements

Minnesota operates as a no-fault state, requiring Personal Injury Protection (PIP) coverage to pay your own medical expenses regardless of who caused the accident. All drivers must carry proof of insurance and may face license suspension after 30 days of continuous non-compliance. The Minnesota Department of Commerce regulates insurance requirements and enforces penalties for uninsured driving.

Cost Overview

Minnesota insurance costs are driven by no-fault PIP requirements, long winter driving seasons with elevated crash rates, and urban density in the Twin Cities metro. Rates vary significantly by county — Hennepin and Ramsey County drivers pay 20–30% more than outstate residents due to higher theft and accident frequency based on available industry data.

Minimum Coverage
State-required 30/60/10 liability plus mandatory $40,000 PIP coverage. Leaves you financially exposed in serious crashes and provides no coverage for your own vehicle damage.
Standard Coverage
Increases liability to 100/300/100 limits and adds collision and comprehensive with $500–$1,000 deductibles. Balances protection and affordability for most drivers with paid-off vehicles.
Full Coverage
High liability limits (250/500/100 or more), low deductibles ($250–$500), and enhanced PIP or optional medical payments coverage. Protects significant assets and provides maximum peace of mind for families and high-net-worth drivers.

What Affects Your Rate

  • Twin Cities metro drivers in Minneapolis, St. Paul, Bloomington, and surrounding Hennepin and Ramsey County suburbs pay 20–30% more than Greater Minnesota residents due to higher traffic density and theft rates.
  • Winter weather impacts premiums — Minnesota's 4–5 month snow season from November through March correlates with a 35–40% increase in collision claims compared to summer months based on industry data.
  • Uninsured motorist rates near 12% statewide push up costs for insured drivers, with higher concentrations in certain urban zip codes and rural border counties.
  • Vehicle theft rates in Minneapolis rank among the top 50 nationally, with Kia and Hyundai thefts spiking 300% from 2021–2023, increasing comprehensive premiums across the metro.
  • Drivers under 25 pay $200–$350/month on average due to Minnesota's graduated licensing laws and elevated crash rates for young operators.
  • Credit-based insurance scores significantly impact rates in Minnesota — drivers with poor credit may pay 50–80% more than those with excellent credit for identical coverage, though the state requires insurers to justify score usage.

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Find Your City in Minnesota

Minneapolis, Minnesota cityscape and street view

Minneapolis

urban
St. Paul, Minnesota cityscape and street view

St. Paul

urban
Rochester, Minnesota cityscape and street view

Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
Row of white and beige townhouses with autumn trees on hillside in background

Bloomington

suburban
Aerial view of city skyline with downtown skyscrapers, river, and mixed residential buildings surrounded by trees

Brooklyn Park

suburban
Japanese garden with wooden bridge over pond, surrounded by rocks, plants and pergola structure

Plymouth

suburban
Red stop sign on residential street with white townhouses and green hills in background

Maple Grove

suburban

Frequently Asked Questions

Sources

  • Minnesota Department of Commerce – Insurance Division (https://mn.gov/commerce/insurance/)
  • Minnesota Department of Public Safety – Driver and Vehicle Services (https://dps.mn.gov/divisions/dvs/)
  • National Association of Insurance Commissioners (NAIC) Auto Insurance Database Report, 2023–2024

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