Affordable car insurance in Minnesota

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Average rates at the top car insurance companies in Minnesota

Based on a premium coverage policy for a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Minnesota auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.



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Personalized rate estimates calculated using the insurance company’s rating plan (plus any applicable discounts) 

Average annual cost of car insurance in Minnesota

How much does car insurance cost in Minnesota? These are the average prices a 35-year-old male driving a 2022 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in Minnesota. Your rates will vary based on your unique driver profile.

Annual rates based on a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Helping Minnesotans find affordable insurance

You’re one-of-a-kind. Your insurance should be too. Our quiz is designed to help you find insurance that meets your unique needs at a price you can afford.


Why you can trust Rate Retriever

Everything we do, we do with your best experience in mind. This means delivering the information you want and need to make confident insurance decisions. While we may partner with some of the carriers you see on our site, we maintain editorial independence and commit to a rigorous editorial policy.

Minnesota car insurance requirements

Minnesota requires five types of car insurance coverage: bodily injury liability, property damage liability, uninsured motorist coverage, underinsured motorist coverage, and personal injury protection. However, many drivers choose to purchase additional coverage types, such as comprehensive coverage, to help cover certain costs associated with different types of accidents.

Additionally, if you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in Minnesota. 

It’s important for residents to know car insurance requirements in Minnesota. The following are the coverage types and limit amounts Minnesota requires; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

Minneapolis skyline in Minnesota

Minimum car insurance requirements – Minnesota

Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – 30,000 limit per person/$60,000 limit per accident

Personal Injury Protection

To cover medical or funeral expenses if you and/or your passengers are hurt in an accident – $40,000 limit per person, per accident

Property Damage Liability

 To cover property damage expenses in an accident when you’re at fault – $10,000 limit

Uninsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance – $25,000 limit per person/$50,000 limit per accident

Underinsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have enough liability insurance – $25,000 limit per person/$50,000 limit per accident

The top insurers in Minnesota

Allstate Auto Insurance
State Farm Auto Insurance
American Family Auto Insurance
Farmers Auto Insurance
Geico Auto Insurance
AAA Auto Insurance
Nationwide Auto Insurance
Auto Owners Insurance
Country Financial Auto Insurance
Travelers Auto Insurance

How to get cheap Minnesota car insurance

Minnesota, also known as the Land of 10,000 Lakes, is an adventure enthusiast’s playground. With approximately 11,842 lakes and 6,564 natural rivers and streams, the state offers residents a significant amount of wilderness, giving name to Minnesota’s NHL team, the “Minnesota Wild.”

Whether you’re thinking about moving to Minnesota or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in Minnesota. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Minnesota. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Why is Minnesota auto insurance important?

First, Minnesota car insurance is required by the state, and driving without it can result in a fine of at least $200. Additionally, it may result in license plate removal and a license and registration suspension. It is important to have the minimum required auto insurance in Minnesota and keep it up to date without a lapse in coverage. 

Another vital reason to have car insurance in Minnesota is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in Minnesota.

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What other factors impact your auto insurance rate?

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

The best insurance rates in Minnesota

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The rates on this page are estimated based on the rating plans insurance carriers have submitted to each state’s department of insurance. An insurance carrier’s rating plan details how the company uses certain characteristics to assign different rates to different people. We use the same data sources to power our comparison tools.

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2022 RAV4. 

These rates should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.