Cheap Auto Insurance Quotes in Minnesota 2023

Minnesota is the 20th-cheapest state for car insurance, with average rates of $197 per month. To find the most affordable car insurance policy in the North Star state that meets your unique needs, you should shop around from multiple auto insurers. To compare quotes, simply provide some information about yourself and your vehicle, including your ZIP code.

Best cheap car insurance in Minnesota: State Farm

1

State Farm

A number of car insurance companies offer cheap auto insurance rates in Minnesota. State Farm and Travelers offer the lowest rates, with average monthly quotes of $131 and $134, respectively. You can also find cheap premiums at USAA and Nationwide. Check out the most affordable car insurance quotes for Minnesota drivers below, sourced from Insurify’s proprietary database of top regional and national companies.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Minnesota

Minnesota requires all motor vehicles operated or parked on its roadways to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Minnesota are:1

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured in an accident. Minnesota is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. 

• $40,000 per accident for PIP

Personal injury protection, also referred to as PIP coverage, covers the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

In Minnesota, PIP coverage must also include uninsured or underinsured motorist coverage, which pays for costs caused by a driver with little or no insurance after a car accident.2 In Minnesota, drivers are required to purchase this coverage for bodily injuries.

Minnesota DMV information

The Division of the Minnesota Department of Public Safety’s Driver and Vehicle Services operates the DMV services in the North Star State. You can use its website to pre-apply for a driver’s license, pay reinstatement fees, renew vehicle registration, and request a disability parking certificate. 

If you need to schedule a road test or vehicle inspection or simply prefer in-person service, you may visit one of the many DMV branches throughout the state. It’s a good idea to schedule an appointment ahead of time. Most branches are open from 8:30 a.m. to 4 p.m., with some special morning and evening hours.3 

Public transportation in Minnesota

Run by the Metropolitan Council, Metro Transit is the largest public transportation operator in the Minneapolis-Saint Paul area. It connects the Twin Cities and can come in handy if you don’t have access to a car, don’t have a license, or are unable to operate a motor vehicle. Metro Transit includes buses, the METRO network with light rail trains, and bus rapid transit service. 

In addition, the Northstar Commuter Rail service typically runs during rush hours with two trips each direction on weekdays. You can pay with cash as you board on local buses or use the Metro Transit app or Go-To Cards.4

Tips for getting cheap car insurance in Minnesota

If you’re in search of car insurance in Minnesota, make sure you compare quotes before buying a policy. This way, you can always know which company is giving you the best deal and avoid overpaying for car insurance. Using a comparison website is the easiest way to compare, as you can view multiple quotes at once as opposed to going to individual insurer websites to receive quotes.

Liability-only vs. full-coverage insurance in Minnesota

If you live in Minnesota, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

In Minnesota, your liability-only policy must also include PIP coverage along with uninsured motorist coverage. These are typically added to your policy automatically when you’re shopping for insurance in your state.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, theft, weather, and damage caused by animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in Minnesota by policy type.

How your driving history affects Minnesota car insurance rates

When insurance companies determine your premiums, they’ll consider your driving history. If you have a clean record, you can expect cheaper rates than a driver with traffic violations. The table below shows the average car insurance quotes for Minnesota drivers with no violations and violations like speeding tickets, at-fault accidents, and DUIs.

SR-22 insurance in Minnesota

While some states require an SR-22 after you’ve committed a serious traffic violation, like reckless driving or a DUI, Minnesota does not. An SR-22 shows that you’ve met the minimum car insurance requirements in the state. 

Even though you don’t need an SR-22 in the North Star state, you’ll still be required to buy the state-mandated minimum car insurance, and you may find much higher car insurance rates in the aftermath of a DUI.

See More: High-Risk Car Insurance Minnesota

How credit scores affect Minnesota car insurance quotes

In many states, including Minnesota, insurers use your credit history while setting car insurance premiums. In the table below, you’ll notice that Minnesota drivers with excellent and good credit tend to lock in more affordable car insurance than those with poor credit. This is because studies have shown that drivers with solid credit tend to file fewer car insurance claims.5

See More: Bad Credit Car Insurance Minnesota

How your city affects Minnesota insurance quotes

Car insurance costs vary greatly depending on where you live in Minnesota. If you’re a resident of a larger city like Minneapolis, for example, you’ll likely pay more for an auto policy than someone who lives in a smaller city such as Big Lake or Buffalo. Here’s a look at the average car insurance quotes in Minnesota's most populous cities, sourced from Insurify’s proprietary database.

How your age affects your Minnesota car insurance rates

Auto insurance companies pay attention to driver age when determining auto insurance rates. If you’re in your 40s and have years of driving experience under your belt, there’s a good chance you’ll lock in cheaper car insurance premiums than a teen driver with fewer years on the road. Here’s a look at the average cost of car insurance for Minnesota drivers ranging in age from teenagers to seniors.

Quotes for younger drivers

Younger drivers in Minnesota pay some of the highest rates due to their relative inexperience on the road. Insurers typically consider drivers under 25 to be the riskiest age group to insure. When younger drivers have infractions on their record, such as an accident or a DUI, they can expect to pay even higher rates. Check out the table below for a closer look at what young drivers in Minnesota can expect to pay for car insurance. 

Quotes for middle-aged drivers

Minnesotan drivers can expect cheaper car insurance rates once they get older and have a proven driving record. Middle-aged drivers can expect to pay around $160 a month for their policy, but typically pay higher rates if they have a DUI or accident on their record. Check out how much middle-aged drivers in Minnesota pay based on their driving record and policy preferences below. Quotes are sourced from Insurify’s proprietary database of over 70 million rates.

Quotes for senior drivers

Senior drivers pay the cheapest rates of all age groups due to their decades of driving experience, safer driving behaviors, higher credit scores, and tendency to drive fewer miles.6 7

Check out car insurance quotes for senior drivers in Minnesota looking for liability-only and full-coverage policies, as well senior drivers with a DUI or an accident on their record. These quotes are sourced from Insurify’s proprietary database.

Minnesota car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Minnesota.

Insurify Insights

How Minnesota Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Minnesota below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Minnesota drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Minnesota

#18

State with the Most Speeding Tickets Rank

#22

State with the Moving Violations Rank

#7

State with the Most DUIs Rank

#13

State with the most Suspended Licenses

• Accidents in Minnesota

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Minnesota is the #37 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #37
  • Percent of drivers in Minnesota with an accident: 7.7%
• DUIs in Minnesota

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minnesota is the #7 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #7
  • Percent of drivers in Minnesota with a DUI: 2.3%
• Reckless Driving in Minnesota

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Minnesota is the #34 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #34
  • Percent of drivers in Minnesota with a reckless driving offense: 1.1%
• Rude Driving in Minnesota

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Minnesota is the #33 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #33
  • Percent of drivers in Minnesota with a rude driving violation: 1.3%
• Speeding in Minnesota

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Minnesota is the #18 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #18
  • Percent of drivers in Minnesota with a speeding ticket: 9.6%
• Failure to Yield Rates in Minnesota

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Minnesota is the #22 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #22
  • Percent of drivers in Minnesota with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.