- Car Insurance
- Auto Insurance by State
- Minnesota Car Insurance
Get a Minnesota car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Minnesota
Minnesota drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMinnesota minimum car insurance requirements (30/60/10)
It's illegal to drive without car insurance in Minnesota. To drive legally, you need to have at least the following coverage amounts and minimums in Minnesota.4
Coverage | Amount |
|---|---|
| Bodily Injury to others Coverage | $30,000 per person and $60,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
| Uninsured/Underinsured Motorist Coverage | $25,000 per person and $50,000 per accident |
| Personal Injury Protection (PIP) | $40,000 |
Find more information through the Minnesota Department of Commerce.
Average car insurance cost in Minnesota, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Minnesota is about $1,824 per year.
Minnesota drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Minnesota?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Minnesota you're only required to have the state minimum coverage.
However, "full car insurance" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
Who offers cheap insurance in Minnesota?
Finding the cheapest car insurance in Minnesota may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate