Car Insurance in Minnesota

What Minnesota requires

Drivers in Minnesota must carry at least 30/60/10 in liability coverage before getting on the road. That means the state sets minimum limits for bodily injury and property damage you might cause to others. Meeting the minimum keeps you legal, but it's worth remembering that a single serious accident can quickly exceed low limits — leaving you responsible for the rest.

What drivers in Minnesota typically pay

Costs in Minnesota reflect local factors like traffic density, repair costs, weather, and claims trends. Our illustrative estimates put full coverage around $142/month (about $1700 per year), with budget-minded options near $85/month and state-minimum coverage closer to $64/month. Your real number depends on your vehicle, driving history, and the carrier you choose.

How to save on car insurance in Minnesota

• Compare several carriers at once — the biggest savings lever for Minnesota drivers.
• Raise your deductible and drop unnecessary coverage on older vehicles.
• Stack discounts: bundling, safe driving, low mileage, and paperless billing.

For more, see our guides to cheap car insurance and full coverage, or estimate your premium with the calculator.

Car insurance by city in Minnesota

Costs can vary widely within Minnesota. Explore local guidance:

• Minneapolis
• Saint Paul