Cheap Minnesota car insurance
Whether you're cruising through lake country or checking out a show in St. Paul, car insurance is an important responsibility of every Minnesotan driver. In Minnesota, auto insurance is required by law—but just as importantly—it can help protect you against significant financial losses from accidents.
How much is car insurance in Minnesota?
Car insurance rates in Minnesota are relatively moderate compared to the national average.
The average in Minnesota cost for “full coverage” car insurance—a phrase often used for policies that include liability, collision, and comprehensive insurance—is approximately $1,285 annually*.
If you simply want to meet Minnesota state insurance requirements for liability car insurance, you can expect to pay an average of $579 per year*.
Rates can vary according to factors such as your:
Age
Driving history
Insurance score
Vehicle type
ZIP code
What are Minnesota state insurance requirements?
Minnesota requires drivers to meet or exceed minimum limits of certain car insurance coverages to comply with state driving laws. You’re required to carry these coverages on your car insurance policy in Minnesota:
Bodily injury liability insurance in Minnesota
Bodily injury liability insurance can help cover the costs associated with injuries to others if you're at fault in an accident. This can include medical expenses, lost wages, and legal fees. In Minnesota, drivers are required to carry a minimum of:
$30,000 per person
$60,000 per accident
Property damage liability insurance in Minnesota
Property damage liability insurance can help cover the costs of damages to another person's property, such as their vehicle or other property, when it’s damaged in an accident you cause. Minnesota state insurance requirements mandate a minimum coverage of:
$10,000 per accident
Personal injury protection (PIP) in Minnesota
As a no-fault state, Minnesota requires personal injury protection (PIP) coverage. PIP can help cover you and/or your passengers’ medical expenses, lost wages, and other related costs regardless of who's at fault in a covered accident. Minnesota requires a minimum coverage of:
$20,000 per person for medical expenses
$20,000 per person for work loss, essential services, funeral & survivors’ loss
Uninsured and underinsured motorist bodily injury coverage in Minnesota
To help protect you against significant out-of-pocket costs if you’re in an accident with an at-fault driver without insurance or one with insufficient coverage, Minnesota requires both* uninsured motorist and underinsured motorist bodily injury coverages:
Uninsured motorist (UM) bodily injury: $25,000 per person and $50,000 per accident
Underinsured motorist (UIM) bodily injury: $25,000 per person and $50,000 per accident
*Many states requiring UM/UIM coverages bundle them into one. However, Minnesota requires you to carry both coverages individually.
Optional car insurance coverages in Minnesota
Meeting Minnesota state insurance minimums is mandatory, but you can enhance your protection with additional coverages.
Collision insurance
Collision insurance can help pay for repairs to your own vehicle if it's damaged in a collision, regardless of who's at fault. Minnesota doesn’t require it, but you’ll likely need collision coverage on your policy in order to finance a vehicle.
Comprehensive insurance
Comprehensive insurance can help cover damages to your vehicle from non-collision incidents, such as theft, vandalism, certain weather events, or encounters with animals on the road.
Non-owner insurance
If you regularly drive a car you don't own—either borrowing or renting—non-owner car insurance can help cover liability expenses after an accident. This coverage excludes vehicles that are owned by a member of your household or available for your regular use.
Rental reimbursement coverage
If your vehicle is in the shop due to a covered claim, rental car reimbursement coverage can help pay for the cost of a rental car—helping reduce disruptions to your routine when your primary vehicle is unavailable.
Roadside assistance coverage
Roadside assistance coverage can offer support for issues such as flat tires, dead batteries, lockouts, or towing.
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SR22 insurance in Minnesota
An SR22 form isn’t actually a type of car insurance coverage. Instead, it’s a certificate that proves to the state that you carry the required minimum liability car insurance. You may need to file an SR22 form if you’ve been convicted of certain offenses like a DUI or driving without insurance.
In Minnesota, there's typically no fee to file, and we send all SR22s to the state daily for timely processing.
Car insurance discounts in Minnesota
Taking advantage of car insurance discounts can help you lower your premiums. Dairyland® offers several discounts to Minnesota drivers, including:
Multi-car
Homeowners
Prior insurance/Transfer
Paid in full
Advanced quote
Anti-theft device
Defensive driver course
Who has the cheapest car insurance in Minnesota?
To find the right cheap car insurance from a provider that also offers strong customer service and efficient claims-handling, it's worth the time to do your research. Start by comparing quotes from multiple providers.
Need more than Minnesota car insurance?
Obtaining car insurance is just one aspect of driving in Minnesota. It's helpful to know the various agencies and departments that can answer your questions, as well as the rules of Minnesota roads.
Driver requirements and laws
Each state has specific driving laws. For example, Minnesota enforces:
A hands-free law that prohibits drivers from holding their phones while driving.
Winter driving laws that require removing the snow and ice from your vehicle before driving.
For more specific information, review the Minnesota Drivers Manual.
Driver resources
Having access to the right resources can make driving in Minnesota safer and more convenient. Here are some useful contacts:
Minnesota Department of Transportation
The Minnesota Department of Transportation (MnDOT) oversees state highways and public transportation systems. It also provides road condition reports and other helpful services. You can contact MnDOT online or by calling 651-296-3000.
Minnesota Driver and Vehicle Services
Minnesota Driver and Vehicle Services (DVS) is one of several divisions of the Minnesota Department of Public Safety (DPS). Minnesota DVS manages vehicle registrations, driver licensing, and more, while the Minnesota DPS provides state and local safety news and information.
DVS and DPS helpful links:
Minnesota Driver and Vehicle Services
Call Driver Services: 651-297-3298
Call Vehicle Services: 651-297-2126
Visit in person: Use the Driver and Vehicle Services office location search tool to find your closest DVS office
Minnesota Department of Public Safety
Call DPS: 651-201-7000
Minnesota Department of Commerce—Insurance
The Minnesota Department of Commerce—Insurance regulates insurance policies, offers consumer assistance, and handles consumer complaints for home, health, auto, and other insurance. You can review the Commerce Department Insurance information on its website.
You can also call the insurance division:
For general information: 651-539-1500
To file consumer complaints: 651-539-1600
Dairyland® brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit the Underwriting Company page.
*Data accuracy is subject to this article’s publication date.
