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Car Insurance in Minnesota: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Minnesota drivers pay about $2,585 a year for full coverage — just below the national average. Minnesota is a no-fault state that requires PIP and uninsured/underinsured motorist coverage on top of a 30/60/10 liability minimum. Here's the coverage you must carry, what Minnesotans pay, and how to find a cheaper rate.
Avg. full coverage
$2,585/yr
≈4% below U.S. avg.
Avg. minimum coverage
$720/yr
≈14% below U.S. avg.
State minimum
30/60/10
+ PIP & UM/UIM required
Fault system
No-fault
PIP pays your injuries first
vs. U.S. average
−4%
Right around average
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Minimum coverage required in Minnesota
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $30k / $60k | Per person / per accident |
| Property damage liability | $10k | Required |
| Personal injury protection | $40,000 | Required — Minnesota is a no-fault state |
| Uninsured / underinsured motorist | $25k / $50k | Required in Minnesota |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Minnesota premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,585/yr | 4% below U.S. | Comp + collision included |
| Minimum coverage | $720/yr | 14% below U.S. | Includes PIP + UM/UIM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Minnesota estimated rates by driver profile (2026)
Estimates anchor each profile to Minnesota's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,585/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,697/yr | +43% | 2,585 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$3,205/yr | +24% | 2,585 × 1.24 (Bankrate avg) |
| DUI on record | ~$4,860/yr | +88% | 2,585 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$5,170/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$4,395/yr | +70% | 2,585 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Minnesota: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums sit just below the national average
- ✓Strong $40,000 PIP requirement covers your medical costs
- ✓Mandatory UM/UIM protects against uninsured drivers
- ✓Competitive market with national and regional carriers
Works against you
- ✗Hail and harsh winters raise comprehensive and collision claims
- ✗Credit history is a permitted rating factor
- ✗Required PIP/UM raise the cost of a minimum policy
- ✗Twin Cities metro rates run above the statewide average
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A closer look at car insurance in Minnesota
Minnesota's no-fault system with high PIP and required UM/UIM means even a minimum policy provides real medical and uninsured-driver protection. Weather risk makes comprehensive coverage worthwhile. With credit and location still driving differences between carriers, comparison shopping is the most reliable way to find value near Minnesota's around-average pricing.
Bottom line
Minnesota is an around-average-cost, no-fault state with strong protection built into the minimum. Comparing carriers and keeping credit healthy is the best way to land a competitive Minnesota rate.
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Frequently asked questions about Minnesota car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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