Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Minnesota costs $58 per month or $698 per year for minimum coverage, on average. The cheapest car insurance companies in Minnesota are Westfield, USAA, and Auto-Owners, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Minnesota is 4% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Minnesota, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Minnesota by Category
- After an at-fault accident: $189 per month
- Driver with poor credit: $135 per month
- Teen driver: $194 per month
- After a DUI: $142 per month
Average Cost of Car Insurance in Minnesota by Company
Company | Minimum Coverage | Full Coverage |
$888 per year | $2,854 per year | |
$807 per year | $2,421 per year | |
$695 per year | $1,352 per year | |
$459 per year | $1,625 per year | |
$853 per year | $2,393 per year | |
$492 per year | $1,496 per year | |
$656 per year | $1,357 per year | |
$452 per year | $1,187 per year | |
$609 per year | $1,631 per year | |
$388 per year | $1,403 per year |
Note: Rates are an approximation based on a 45-year-old man in Minnesota with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Minnesota by Age
Age | Average Premium |
$2,333 per year | |
$2,019 per year | |
$1,753 per year | |
$1,532 per year | |
$1,341 per year | |
$1,118 per year | |
$1,045 per year | |
$969 per year | |
$921 per year | |
$825 per year | |
$716 per year | |
$698 per year | |
$650 per year | |
$667 per year |
Note: Rates are an approximation based on a driver in Minnesota with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Minnesota
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Minnesota as well as our picks for the cheapest car insurance companies in Minnesota.
People also ask
How much car insurance do I need in Minnesota?
Drivers in Minnesota need $30,000 of bodily injury liability insurance per person (up to $60,000 per accident) and $10,000 of property damage liability insurance. Minnesota also requires personal injury protection (PIP) and uninsured/underinsured motorist insurance. PIP covers medical expenses for you and your passengers after an accident, and UM/UIM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Minnesota:
| ... | Minimum Coverage Limit |
Why is Minnesota car insurance so expensive?
Car insurance in Minnesota is expensive because it is a no-fault state. In Minnesota, you can expect to pay around $3,256 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Minnesota is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily increasing, too, both in Minnesota and nationwide. As the cost of providing...
read full answerWhat is the penalty for driving without insurance in Minnesota?
The penalties for driving without insurance in Minnesota can include fines up to $1,000, fines, suspension of license and registration, impounding your car, and imprisonment. Penalties for repeat offenses may be even harsher, including a longer jail sentence.
Penalties for Driving Without Insurance in Minnesota
| Type of Offense | License and/or Registration Suspended? | Car Impounded? | Jail Time? | SR-22 Required? | Maximum Fines & Fees |
| No Proof of Insurance (Can Prove Coverage Later) | No | No | No | No | Dismissed with proof |
| 1st Offense With No Coverage | Yes, both | Yes | Up to 90 days | No | $200-$1,000 |
| Repeat Offense (No Coverage) | Yes, both | Yes | Up to 1 year | No | $200-$3,000 |
Not having car insurance and not being able to prove that you have it are two different violations. If you have insurance but cannot prove it when you get pulled over or at the scene of an accident, you are guilty of an "administrative violation", similar to a seat-belt ticket. In Minnesota, your citation might be dismissed if you can provide the court with proof of valid insurance for the date of the citation on or before your court date.
Driving without car insurance at all is much more serious, and the penalties are more severe. In addition to the legal consequences, you can also expect your car insurance premium to go up.
You can avoid these consequences by purchasing the car insurance coverage required in Minnesota.
Required Car Insurance in Minnesota
- $30,000 in bodily injury liability coverage per person
- $60,000 in bodily injury liability coverage per accident
- $10,000 in property damage liability coverage per accident
- $40,000 per person per accident in personal injury protection coverage
- $25,000 per person, $50,000 per accident in uninsured/underinsured motorist coverage
The key to maintaining the minimum amount of coverage required by Minnesota is to find a policy you can afford. If your coverage has already lapsed, start by comparing quotes from the insurance companies WalletHub's analysis identified as having the best post-lapse rates.
Best Car Insurance in Minnesota After a Lapse in Coverage
Drivers in Minnesota pay an average of $1,185 per year to maintain the minimum amount of coverage. That's nothing compared to the consequences of driving without insurance, especially if you get into an accident.
What Happens If You Get Into a Car Accident Without Insurance in Minnesota?
- All penalties will apply if you get into an accident. If you get into an accident while driving without insurance in Minnesota, you will incur the penalties for driving without insurance no matter who is at fault. Driving uninsured can make it difficult to be compensated for damages if you are not at fault and can have long-lasting and life-changing consequences if you are at fault.
- If the accident is your fault, you'll have to pay for all the damages out of your own pocket. In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damages to your vehicle, the other driver's car repairs and hospital bills, and your own medical care. You could face mounting debt or even bankruptcy, especially if the other driver doesn't carry uninsured motorist coverage or personal injury protection.
- Even if the accident is not your fault, driving without insurance may leave you responsible for your accident-related expenses. If you're in an accident in a no-fault state such as Minnesota and you don%t have car insurance, you'll probably end up paying for hospital bills and medical expenses out of your own pocket. However, if the other driver was at fault and your injuries medical expenses that exceed $4,000.00, permanent disfigurement or injury, death, or disability for 60 days or more, then you can sue the at fault driver for damages.
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