Minnesota Car Insurance

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Minneapolis skyline overlooking Mississippi River

Common questions about Minnesota auto insurance

Need car insurance in Minnesota? Whether you live in Minneapolis or St. Paul, Liberty Mutual can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Minnesota auto insurance, so you only pay for what you need.

What car insurance is required in Minnesota?

In Minnesota, it's illegal to drive without insurance. Drivers in Minnesota are required to have car insurance coverage for
  • Bodily Injury to Others
  • Property Damage
  • Uninsured/Underinsured Motorist Coverage

Here are the minimum auto insurance limits drivers must have in Minnesota.1



Bodily Injury to Others$30,000 per person and $60,000 per accident
Property Damage Liabilty$10,000 per accident
Personal Injury Protection (PIP)$40,000 per person
Underinsured Motorist$25,000 per person and $50,000 per accident

Check out the Minnesota Department of Commerce for more details.

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

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

What is the average cost of car insurance in Minnesota?

The average cost of car insurance in Minnesota was $1,3102 in 2021 according to thezebra.com. That's 14% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Minnesota auto insurance with a customized policy so you only pay for what you need.

U.S. Map with Minnesota state highlighted

What Minnesota car insurance coverage is right for you?

All Minnesota drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Minnesota car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in Minnesota?

Liberty Mutual knows everyone has different needs for their Minnesota auto insurance. Some may want the cheapest Minnesota car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Minnesota car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Minnesota?

Getting the cheapest car insurance in Minnesota may sound great, but it could cost you when you need it most. Beyond cost, you should make sure the company you pick is reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

Bundle and SaveLoading...

Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See Minnesota Department of Commerce for more information: https://dps.mn.gov/divisions/dvs/forms-documents/documents/autoinsuranceinfo.pdf
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance
Please see our statement regarding the Minnesota Auto Policy Surcharge Disclosure. Applicable to LMIC and LMPIC underwriting companies.
Please see our statement regarding the Minnesota Auto Policy Surcharge Disclosure. Applicable to LMGIC and LM-IC underwriting companies.