Minnesota Minimum Coverage Car Insurance: Requirements and Costs (2024)

Minnesota requires minimum car insurance coverage of 30/60/10, uninsured motorist coverage of 25/50 and $40,000 in personal injury protection per person. The average cost of minimum coverage is $578 annually or $48 monthly.

Updated: December 10, 2024

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Minnesota requires minimum car insurance coverage of $30,000 for bodily injury liability per person, $60,000 per accident and $10,000 for property damage liability per accident. Drivers must also carry uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, along with $40,000 in personal injury protection. As a no-fault state, Minnesota mandates that insurers cover their policyholders’ expenses regardless of fault.

The average monthly cost of minimum coverage is about $48. Exploring the cheapest car insurance in Minnesota can help you save while meeting legal requirements.

TABLE OF CONTENTS

Minnesota Minimum Coverage Requirements
Cost of Minimum Coverage in Minnesota
Cheapest Companies in Minnesota for Minimum Coverage
Add-On Coverages in Minnesota
Penalties for Driving Without Insurance in Minnesota
FAQ

Why Trust MoneyGeek? We analyzed data from the Minnesota Department of Commerce's Insurance Division and Quadrant Information Services to get the most accurate cost data for various Minnesota drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Minnesota as of December 2024.

33,288Quotes Analyzed

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61ZIP Codes

Minnesota Minimum Coverage Car Insurance Requirements

Minnesota drivers are required to carry minimum coverage auto insurance to operate a vehicle legally. The state mandates the following minimums:

$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$10,000 property damage liability per accident
$25,000 uninsured motorist bodily injury per person
$50,000 uninsured motorist bodily injury per accident
$40,000 personal injury protection per person

Minnesota is a no-fault state, meaning your car insurance covers medical expenses and out-of-pocket losses after an accident, regardless of fault. This system helps reduce car insurance costs by eliminating lengthy and expensive legal processes to determine fault.

ARE COLLISION AND COMPREHENSIVE COVERAGES REQUIRED IN MINNESOTA?

Minnesota doesn't legally require drivers to carry collision or comprehensive coverage. However, if you're financing or leasing a vehicle, most lenders will require both types of insurance to protect their financial interest in your car. These coverages help pay for repairs or replacement of your vehicle in case of accidents, theft or other damage not covered by minimum insurance.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you're at fault in an accident	Your injuries
Damage to another person’s property if you're at fault in an accident	Damage to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

The table shows Minnesota's minimum car insurance requirements, including liability and personal injury protection. Remember, your policy's specific coverage terms may vary.

Average Cost of Minimum Coverage Car Insurance in Minnesota

Age significantly impacts the cost of minimum coverage car insurance. In Minnesota, drivers aged 22 to 29 pay the highest premiums because insurers consider them higher risk due to their limited experience and increased likelihood of accidents.

The table below shows Minnesota's average cost of minimum coverage by age group.


22-29	$690	$57
30-59	$578	$48
60 +	$555	$46

Cheapest Companies for Minimum Coverage Car Insurance in Minnesota

Budget-conscious drivers in Minnesota can find affordable minimum coverage insurance with these providers:

Westfield: $284 per year; $24 per month
West Bend Mutual: $391 per year; $33 per month

When choosing a plan, ensure it fits your budget and meets your needs. Comparing options helps you find the best car insurance in Minnesota.

Data filtered by:Results filtered by:

Age Group

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Age Group:30-59


Westfield	$284	$24
West Bend Mutual	$391	$33
AAA	$437	$36
Auto-Owners Insurance Co	$483	$40
State Farm	$504	$42
Iowa Farm Bureau	$506	$42
Farmers Union Insurance	$516	$43
American Family	$530	$44
Travelers	$555	$46
Western National	$576	$48
Allstate	$697	$58
Country Financial	$851	$71
Nationwide	$870	$73
GEICO	$897	$75

Optional Add-On Coverages in Minnesota

In Minnesota, optional add-ons include collision, comprehensive, rental reimbursement and roadside assistance. Though not mandated by law, these coverages protect against various incidents, such as theft, vandalism or accidents beyond the minimum coverage. Understanding how much car insurance you need helps you make informed decisions on these valuable additions to your policy.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured motorist coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you're at fault or damage that exceeds policy limits
Personal injury protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside assistance	Services like towing, flat tire changes and jump-starts when your car breaks down	Cost of parts or repairs needed after the tow
Gap insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental car reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive coverage	Repairs to non-collision damage from events like theft, fire or hail	Damage from a collision or personal injuries
Towing and labor coverage	Towing and basic roadside assistance labor costs at your vehicle's breakdown site	More extensive repairs needed at a garage
Custom parts and equipment coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental death coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental death or injuries
Classic car insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use like your daily commute

Penalties for Driving Without Insurance in Minnesota

The cost of a ticket for driving without insurance in Minnesota depends on whether it's the first time you've been caught or done it before. Generally, penalties ramp up with repeat offenses.

Fines: Hefty monetary penalties increase with subsequent violations.
License penalties: Your driving privileges may be suspended, often requiring an administrative fee and proof of insurance to reinstate.
Vehicle consequences: Authorities may impound your vehicle, and your registration may be suspended.
Insurance requirements: SR-22 filing might be required. This form certifies future proof of financial responsibility.

Driving without minimum coverage in Minnesota can lead to serious consequences beyond immediate penalties; it jeopardizes your legal standing and financial security. Stay legal by maintaining at least the required minimum insurance coverage.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Minnesota, secure a new policy immediately and avoid driving until you're insured. Driving without insurance is illegal and can lead to serious risks and penalties.

Insurers notify the Minnesota Department of Public Safety when a policy is canceled, which may result in fines or other consequences for uninsured drivers. Maintaining continuous coverage helps you comply with state laws and avoid these issues.

Minnesota's Automobile Insurance Plan can help you get the required state minimum if you're struggling to find coverage. Act quickly to secure a new policy and meet legal driving requirements.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Minnesota might be canceled for a few reasons:

Non-payment: If you miss paying your insurance premium, the insurer can cancel your policy.
License suspension: Losing your driving privileges due to infractions can lead to policy cancelation.
Fraud: Lying on your insurance application or filing false claims can result in cancelation.
Too many claims: Filing too many claims in a short period might make the company consider you too high of a risk.

Maintaining a clean driving record and paying premiums on time is key to keeping your insurance active.

FAQ: Minnesota Minimum Coverage Car Insurance

We answered common questions about the minimum coverage you need to drive legally in Minnesota.

What is the minimum car insurance coverage in Minnesota?

Minnesota's minimum auto insurance coverage includes $30,000 for bodily injury per person, $60,000 for bodily injury per accident and $10,000 for property damage per accident, along with uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident.

Personal injury protection is also required, with a minimum of $40,000 per person. This coverage ensures financial responsibility in case of an accident. Understand these limits when selecting your policy to comply with state law and protect your finances.

Why does Minnesota require minimum automobile liability coverage for motorists?

Minnesota requires minimum auto insurance coverage to ensure drivers can financially cover the damage or injuries they cause in an accident. This mandate provides a basic safety net for the at-fault driver and those affected.

While the minimum coverage is legally required, drivers are encouraged to consider higher limits for better protection.

Do you need comprehensive insurance in Minnesota?

While Minnesota state law doesn't require comprehensive insurance, it's a valuable addition if you want protection against financial losses due to non-collision events. This type of coverage safeguards against scenarios such as theft, vandalism or natural disasters. If you have a car loan or lease, your lender will likely require you to carry comprehensive coverage.

What happens if you drive uninsured in Minnesota?

Driving uninsured in Minnesota is against the law and can result in severe penalties. Offenders may face fines, loss of driving privileges and vehicle impoundment. To reinstate driving privileges, you must present proof of insurance and pay reinstatement fees.

If caught driving without insurance in Minnesota, you risk a fine of up to $1,000, potential jail time and suspension of your driver's license and vehicle registration. Repeat offenders could face increased penalties. Always carry at least minimum auto insurance to comply with Minnesota law and protect yourself financially.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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