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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. Average full coverage costs $140–$180/month, while minimum coverage runs $65–$95/month based on available industry data.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Minnesota operates under a no-fault insurance system, meaning your own policy covers your medical expenses and lost wages regardless of who caused the accident. All drivers must carry proof of insurance and provide it during traffic stops or after accidents. The state also requires Personal Injury Protection (PIP) as part of the minimum coverage package, setting Minnesota apart from traditional tort liability states.

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30/60 ($30,000 per person, $60,000 per accident)
Bodily Injury Liability
Covers injuries you cause to others in an at-fault accident. Minnesota's $30,000 per-person minimum falls short when serious injuries involve hospital stays, surgeries, or long-term care — a single emergency room visit can exceed $15,000. The state allows injured parties to step outside the no-fault system and sue for damages exceeding $4,000 in medical costs or for permanent injury, making higher limits essential.
$10,000
Property Damage Liability
Pays for damage you cause to another person's vehicle or property. At $10,000, Minnesota's minimum is the lowest accepted threshold and won't cover the full cost of totaling a newer vehicle — the average new car price in 2024 exceeded $48,000. Hitting a guardrail, fence, or building can quickly surpass this limit.
$20,000 medical expenses, $20,000 wage loss, $20,000 replacement services
Personal Injury Protection (PIP)
Mandatory in Minnesota's no-fault system, PIP covers your medical bills, lost income, and essential services like childcare after an accident regardless of fault. The $20,000 medical expense limit can be exhausted quickly with ambulance transport, imaging, and follow-up care. Minnesota law allows you to reject higher PIP limits in writing, but this leaves you exposed if injuries exceed the base amount.
25/50 ($25,000 per person, $50,000 per accident)
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries. With approximately 12% of Minnesota drivers uninsured, this coverage fills the gap when the at-fault driver cannot compensate you for damages exceeding the no-fault threshold. Insurers must offer this at the same limits as your bodily injury liability unless you reject it in writing.
Not required
Comprehensive and Collision Coverage
Comprehensive covers non-collision events like theft, hail, deer strikes, and vandalism, while collision pays for damage from accidents regardless of fault. Minnesota sees elevated comprehensive claims due to frequent deer collisions in rural areas and hail damage from severe spring and summer storms. Lenders require both if you finance or lease a vehicle.
State-Mandated Minimum Coverage · Minnesota

Minnesota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$10,000

License Reinstatement Fee$30

Meeting the state minimum keeps you legal. See whether it's enough — get your Minnesota quote.

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Cost Overview

Minnesota's no-fault system and mandatory PIP coverage increase base premiums compared to tort-only states, but the trade-off is faster medical payment without proving fault. Winter weather drives collision and comprehensive claims, particularly in the Twin Cities metro where congestion combines with ice and snow. Urban-rural divides create significant rate differences — Minneapolis and St. Paul see higher theft and accident frequency, while Greater Minnesota faces elevated animal collision and weather-related claims.

What Affects Your Rate

  • Twin Cities metro drivers pay 20–30% more than Greater Minnesota due to higher theft rates and accident density in Hennepin and Ramsey counties.
  • Minnesota's average of 50–60 inches of snow annually drives winter collision claims, particularly affecting premium calculations for drivers under 25.
  • Comprehensive claims spike in rural areas where deer-vehicle collisions account for approximately 25% of animal-related crashes statewide.
  • Credit-based insurance scores impact Minnesota rates significantly — drivers with poor credit may pay 40–60% more than those with excellent credit for identical coverage.
  • No-fault PIP requirements add $15–$30/month to base premiums compared to states without mandatory personal injury protection.
  • Multi-vehicle households in Minnesota see average discounts of 15–25% when bundling all cars and drivers under one policy.
Minimum Coverage
$65–$95/mo
Meets Minnesota's 30/60/10 liability, $20,000 PIP, and 25/50 uninsured motorist requirements. Leaves you financially exposed in serious accidents and provides no coverage for your own vehicle damage.
Standard Coverage
$100–$140/mo
Raises liability to 100/300/100, adds collision and comprehensive with a $500–$1,000 deductible, and increases PIP and uninsured motorist limits. Balances protection and affordability for most drivers.
Full Coverage
$140–$180/mo
Includes 250/500/100 liability, collision and comprehensive with lower deductibles, enhanced PIP options, and rental reimbursement. Provides maximum protection for drivers with significant assets or newer vehicles.

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Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Minnesota's 30/60/10 minimum is insufficient for serious accidents — a multi-vehicle collision or injury lawsuit can easily exceed these limits.

Full Coverage

Combines liability, collision, comprehensive, and enhanced PIP into a complete protection package. Covers your vehicle and medical expenses while providing high liability limits to protect assets.

Comprehensive Coverage

Pays for non-collision damage including theft, vandalism, hail, flooding, and animal strikes. Deductibles typically range from $250–$1,000.

Uninsured Motorist Coverage

Protects you when an at-fault driver lacks insurance or carries insufficient limits to cover your injuries. Minnesota requires 25/50 minimums, but you can purchase higher limits.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. Works alongside Minnesota's no-fault system, which covers medical costs but not vehicle damage.

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

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