Minnesota Auto Insurance Calculator
Estimate your car insurance premium in Minnesota. The state average is $1,580/year — ranked #18 out of 50 states. Compare coverage levels and discover ways to save.
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🚗 Estimate Your Minnesota Car Insurance Premium
Annual Premium
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Estimated total
Monthly Payment
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Per month
vs. State Average
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$1,580/yr avg
Coverage Breakdown
Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual |
|---|
📋 Minnesota Auto Insurance Requirements
Minnesota uses a No-fault insurance system, requiring Personal Injury Protection (PIP) coverage. This means your own insurance pays for your injuries regardless of who caused the accident.
| Coverage | Minimum Required | Recommended |
|---|---|---|
| Bodily Injury (per person) | $30K | $100K |
| Bodily Injury (per accident) | $60K | $300K |
| Property Damage | $10K | $100K |
| Personal Injury Protection (PIP) | Required | $10K+ |
| Collision | Not required | Yes (financed vehicles) |
| Comprehensive | Not required | Yes (financed vehicles) |
| Uninsured Motorist | Optional | $100K/$300K |
Minnesota's uninsured motorist rate is 7.8% — near the national average of 12.6%.
💰 How to Save on Minnesota Auto Insurance
- Bundle policies — Combine home and auto for 15-25% discount
- Raise your deductible — Going from $500 to $1,000 can save 15-20%
- Good driver discounts — Minnesota insurers reward clean driving records with up to 25% off
- Good student discount — Students with a B average or higher save 10-15%
- Low mileage discount — Drive under 7,500 miles/year for potential 5-15% savings
- Pay annually — Avoid monthly payment fees, saving $50-100/year
- Improve credit score — Better credit can reduce premiums by 20-40% in Minnesota
- Shop around — Compare at least 3-5 quotes. Rates vary significantly between insurers
📊 Minnesota Auto Insurance Facts
State Average Premium
$1,580
per year
Uninsured Drivers
7.8%
of motorists
Insurance System
No-fault
PIP required
❓ Minnesota Auto Insurance FAQ
What is the minimum auto insurance required in Minnesota?
Minnesota requires minimum liability coverage of 30/60/10 (bodily injury per person/per accident/property damage in thousands). Personal Injury Protection (PIP) is also required. However, these minimums are often insufficient for serious accidents — most experts recommend at least 100/300/100.
How much does car insurance cost in Minnesota?
The average car insurance premium in Minnesota is approximately $1,580 per year ($132/month). Your actual rate depends on your age, driving record, vehicle, credit score, coverage level, and location within the state.
Is Minnesota a no-fault or at-fault state?
Minnesota is a no-fault insurance state. After an accident, your own insurance company pays for your medical expenses regardless of who caused the crash.
What is the uninsured motorist rate in Minnesota?
Approximately 7.8% of drivers in Minnesota are uninsured. This is below the national average of 12.6%, but uninsured motorist coverage is still recommended for protection.
Does Minnesota require full coverage?
No, Minnesota only requires liability insurance. However, if you have a car loan or lease, your lender will almost certainly require collision and comprehensive coverage ("full coverage"). Even if you own your car outright, full coverage is recommended for vehicles worth more than $5,000.
How can I get the cheapest car insurance in Minnesota?
To get the cheapest rates in Minnesota: compare quotes from at least 5 insurers, maintain a clean driving record, raise your deductible, bundle home and auto policies, ask about all available discounts (good student, low mileage, safe driver), and improve your credit score.