Minnesota Auto Insurance Guide
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Minnesota Minimum Auto Insurance Requirements
Get Minnesota Auto Insurance State Guides, Laws and Regulations before You Buy Insurance
Like most other states, Minnesota law requires all drivers to carry liability coverage. But MN has other requirements for drivers, who must also carry “basic economic loss coverage,” or Personal Injury Protection (PIP.)
Liability coverage protects you financially should you injure another person or damage their property, while PIP helps pay for injuries to yourself or your family after an accident.
Key Takeaways
Minnesota drivers must be insured. They must always carry:
- $30,000 for bodily injury to others
- $60,000 per accident for all injuries
- $10,000 property damage
- $40,000 PIP
- $25,000 per person / $50,000 per accident bodily injury liability for uninsured or under-insured motorists
Introduction to Minnesota Auto Insurance Requirements
Liability coverage exists to protect drivers financially in case of an accident. Still, many drivers feel they need more coverage than the MN state minimum. And that makes sense because our modern vehicles are more expensive than ever. They’re also faster, and in the case of electric vehicles (EVs) they may be much heavier.
Costs to repair damaged property — like a damaged fence or structure —are increasing, too. Therefore, people with assets tend to buy more liability coverage.
MN Auto Insurance Coverage Descriptions
Minnesota requires drivers to carry liability coverage plus PIP, as mentioned above. But there are more types of auto insurance coverage available (for a price.)
- Collision coverage pays for damage to your vehicle if you collide with anything, whether a structure or a vehicle.
- Comprehensive coverage pays for other kinds of damage, like hailstorms, fire damage and theft.
- Glass coverage is usually available to help pay for expensive windshields
Beyond that, there are other bells and whistles you can add to an auto policy in MN, like rental car coverage or roadside assistance.
Minnesota Minimum Auto Insurance Requirements
$30,000 Bodily Injury to Others
If you’re responsible for injuring one person, this coverage helps to pay medical costs and more.
$60,000 Bodily Injury Per Accident
If you’re responsible for injuring several people, the insurer will pay up to $60,000 for medical costs and more.
$10,000 Property Damage
Most vehicle accidents cause some amount of property damage, whether it’s to other vehicles on the road, real estate, or another person’s belongings. This coverage pays for these damages. If these damages are more than $10,000, the at-fault driver will need to pay the difference.
$40,000 Personal Injury Protection
If you get in an accident and injure yourself, this coverage will help to cover your medical bills. It’s especially helpful when the other driver doesn’t have insurance.
$25,000 per Person / $50,000 per Accident Bodily Injury Coverage for Uninsured / Underinsured Motorists
This coverage helps to pay for injuries if you’re in an accident with someone who has no insurance. Your insurance can help to pay for your injuries or theirs, and vice versa. The goal of this coverage is to make sure everyone who gets injured in an auto accident can get the medical care they need.
Does Minnesota Require Uninsured / Underinsured Motorist Coverage?
Minnesota requires uninsured / underinsured bodily injury coverage, as noted above.
New Driving Laws in Minnesota
Texting and driving is illegal in MN. It is illegal for drivers of any age to compose, read, or send electronic messages while driving.
Drivers convicted of Driving While Intoxicated (DWI) will also experience stiffer penalties than in the past. While the consequences for every incident are unique, even first-time offenders will have their license suspended for 30 days to one year, and face hefty fines.
Penalties for Failure to Carry Minnesota Auto Insurance
If you are caught driving without insurance in MN, expect stiff penalties. First and second-time offenders will pay a fine ranging from $200 to $1,000. Repeat offenders may as much as $3,000 in fines.
Driving without insurance is considered a misdemeanor in MN. This infraction will stay on your record, and your future auto insurance prices might be expensive.
How to Get the Cheapest Minnesota Auto Insurance
Most auto insurance companies gradually increase your premium (price) over time, even if you don’t have any claims. This is a marketing tactic, not your imagination. Therefore, it makes sense to call around and shop for auto insurance every few years. Insurers will try to gain your business by offering a better price.
Other ways to decrease your costs for MN auto insurance are:
- Increase your deductibles if you have full coverage: The higher your deductible, the less your insurance will cost. However, this doesn’t apply to liability-only policies, and your lienholder may require you to carry a lower deductible.
- Shave away extra bells and whistles: For example, if you own several vehicles, you may not need rental car reimbursement coverage.
- Seek a “bundle”: Insurers may offer you a discount if you have several types of insurance with one provider.
- Try a price-per-mile policy: These auto insurance policies are best for low-mileage drivers who don’t drive much. You will report your mileage several times a year to the insurer.
Read More: 8 Simple Ways to Save You 90% On Your Car Insurance
Minnesota State Auto Insurance Premiums
Minnesota insurance companies group drivers and vehicles into risk categories, and your price for auto insurance is based on your risk group, and your behavior.
Electric vehicles (EVs), fast foreign cars, very heavy vehicles, and unsafe drivers tend to cost the most to insure. When creating your contract and deciding on your premium, insurers will consider:
- Age
- Gender
- Marital status
- Value of vehicle
- Age of vehicles
- Years of driving experience
- Type of vehicle
- Prior history of claims
- Points on your license
- Tickets, moving violations and DUI
- Your zip code and garage location
MN Auto Insurance Rates by Carrier
We scoured the web to find the best Minnesota auto insurance rates for very safe drivers with no claims history. However, your final price will depend on the issues listed above.
| Insurer | Yearly Price | Monthly Premium Payment |
| USAA | $421 | $35 |
| AAA | $509 | $42 |
| Farmers | $561 | $47 |
| GEICO | $637 | $53 |
For help finding Minnesota auto insurance quotes, contact us today or simply put your zip code below and hit “Get A Quote” !
Minnesota Auto Insurance Frequently Asked Questions
Here are answers to the most common questions we hear about auto insurance in MN.
Is auto insurance mandatory in MN?
Absolutely. You must carry basic liability coverage to drive legally in Minnesota. Failure to have auto insurance can lead to expensive fines.
Do I need full coverage auto insurance in Minnesota?
There is no law that forces MN drivers to carry full coverage, but you might sleep better at night knowing you have it. Also, your lienholder (the bank that has your auto loan) may require it in their contract.
What is the cheapest auto insurance in Minnesota?
For safe drivers with outstanding records, our research suggests USAA offers the most affordable policy for safe drivers. But it’s important to shop around every few years and seek a bundle if possible.
How often should I shop for auto insurance?
You will save money by shopping around for auto insurance every few years. If you spend one afternoon getting 10 quotes, you might save hundreds of dollars every year.
Minnesota Regulating Agencies and References
Minnesota Department of Public Safety
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