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Minnesota Car Insurance
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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?
- Bodily Injury to Others
- Property Damage
- Uninsured/Underinsured Motorist Coverage
Here are the minimum auto insurance limits drivers must have in Minnesota.1
Coverage | Amount |
|---|---|
| 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
- 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.
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.
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.
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