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Minnesota Auto Insurance — Minimum Coverage & Rates

Minnesota requires 30/60/10 minimum liability coverage — $30,000 per person for bodily injury, $60,000 per accident, and $10,000 for property damage. Drivers carrying only state minimums typically pay $85–$135/month, while full coverage averages $180–$240/month based on available industry data.

Liability Coverage — insurance-related stock photo

Updated March 2026

State Requirements

Minnesota operates under a traditional tort liability system, meaning at-fault drivers are financially responsible for injuries and damage they cause. The state requires all drivers to carry proof of insurance and file an SR-22 certificate following certain violations. Minnesota also mandates uninsured/underinsured motorist coverage at the same limits as your liability policy unless you reject it in writing, per the Minnesota Department of Commerce.

Cost Overview

Minnesota rates are shaped by harsh winters, high uninsured driver rates in metro areas, and expensive medical costs. Minneapolis and St. Paul drivers pay 25–40% more than rural Minnesota residents due to higher theft rates and accident frequency. Drivers with older vehicles often drop collision and comprehensive to reduce premiums to the $85–$135/month range.

Minimum Coverage
Includes only state-required 30/60/10 liability and mandated PIP/UM unless rejected in writing. Provides no protection for your own vehicle and leaves you personally liable for injury costs above $30,000 per person.
Standard Coverage
Raises liability to 100/300/100 and adds uninsured motorist at higher limits. Still excludes collision and comprehensive, so your vehicle repairs remain your responsibility regardless of fault.
Full Coverage
Includes collision and comprehensive with a deductible, plus higher liability limits. Only cost-justified if your vehicle's value exceeds $4,000–$5,000 or you carry a loan requiring lender-mandated coverage.

What Affects Your Rate

  • Winter weather drives Minnesota's comprehensive claim frequency 18–22% above the national average due to deer collisions and hail damage across the state's rural corridors.
  • Minneapolis and St. Paul experience vehicle theft rates 30–35% higher than outstate regions, raising comprehensive premiums in Hennepin and Ramsey counties.
  • Drivers under 25 in Minnesota pay $140–$210/month for minimum coverage due to elevated accident rates on I-35W and University Avenue corridors.
  • Credit score impacts premiums by 40–60% in Minnesota, where insurers use credit-based insurance scores to assess risk unless restricted by state law.
  • Choosing a $1,000 deductible over $500 reduces collision and comprehensive premiums by approximately 15–25%, a meaningful savings for drivers keeping older vehicles insured.

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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

Sources

  • Minnesota Department of Commerce — Insurance Division (https://mn.gov/commerce/insurance/)
  • Minnesota Statutes Section 65B.49 — Minimum Insurance Requirements
  • Insurance Research Council — Uninsured Motorists Study (2022)

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