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Minnesota Car Insurance

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Here's what you need to know when driving in Minnesota

Across the North Star State, there are 283,828 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Minnesota

In Minnesota, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $30,000 per person
  • Bodily Injury $60,000 per accident
  • Property Damage $10,000 per accident
Uninsured/Underinsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
Personal Injury Protection (PIP)
  • $20,000 Medical Expense per person
  • $20,000 Economic Loss per person
Optional coverage in Minnesota (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance

Liability coverage is legally required in Minnesota and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Minnesota, the minimum is listed as 30/60/10 and explained below:

$30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Minnesota and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Minnesota, the minimum is listed as 25/50 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Minnesota, minimum PIP coverage is explained below:

$20,000 Medical Expense per person. This is the total amount of medical coverage per person for you or any passengers in your vehicle and it pays regardless of fault.

$20,000 Economic Loss per person. This is the total amount of work loss coverage per person for you or any passengers in your vehicle and it pays regardless of fault.

These numbers reflect the minimum limits required in Maryland but higher coverage amounts are available with most companies.

Minnesota is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Minnesota Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Minnesota?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Minnesota you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Minnesota?

Uninsured Drivers in Minnesota
Minnesota

11%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Minnesota cities?

Rank City Avg. Annual Premium
1 Minneapolis $2,038
2 Saint Paul $2,029
3 Maplewood $2,025
4 Brooklyn Park $1,780
5 Richfield $1,778
6 Bloomington $1,774
7 Coon Rapids $1,774
8 Blaine $1,766
9 Duluth $1,759
10 Edina $1,742
11 Saint Louis Park $1,737
12 Woodbury $1,714
13 Maple Grove $1,707
14 Plymouth $1,697
15 Eagan $1,695
16 Burnsville $1,692
17 Minnetonka $1,689
18 Eden Prairie $1,689
19 Lakeville $1,683
20 Shakopee $1,676
21 Saint Cloud $1,669
22 Apple Valley $1,647
23 Rochester $1,607
24 Moorhead $1,535
25 Mankato $1,504

More questions?

Check out other FAQs and ask your own Minnesota car insurance questions here.
Driving Laws

Minnesota Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for drivers <18 years old w/ Learner or Provisional License
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities

114

Per Year in Minnesota
Annual DUI Arrests
Minnesota
29,832
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in Minnesota!

Whoa! Minnesota is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Minnesota might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Minnesota?
Rank Company Name Avg. Annual Premium
1 Travelers $654
2 USAA $815
3 Farm Bureau Mutual $821
4 Western National $919
5 The Hartford $945
6 West Bend Mutual $962
7 Allied $1,186
8 State Farm $1,238
9 Cal Casualty $1,239
10 American Family $1,255
11 General Casualty $1,287
12 Auto-Owners $1,308
13 Auto Club Group $1,366
14 Farmers $1,379
15 Nationwide $1,392
16 North Star $1,418
17 Progressive $1,434
18 Country $1,441
19 Allstate $1,452
20 MetLife $1,565
21 National Farmers Union $1,668
22 GEICO $2,157
23 Encompass $2,699
24 Liberty Mutual $3,503
25 Farm Bureau Mutual (IA Group) N/A
26 Farmers Union Insurance N/A
27 North Star Mutual N/A

Minnesota Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Minnesota area, while also getting an insider view of the North Star State.

Click here to learn more.

Prompt

So, Minnesota students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on January 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by February 15th, 2017.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.