Car Insurance Rates in Minnesota (2026)
Navigating car insurance in Minnesota means understanding its unique no-fault system and specific coverage requirements. On average, MN drivers pay around $1664 per year, or $139 monthly, for coverage. It's crucial to meet the state's minimums, which are 30/60/10, to drive legally.
Cheapest Car Insurance Companies in Minnesota
Based on average rates, the most affordable insurers in Minnesota are GEICO, State Farm, Progressive.
| Insurer | Est. Monthly | Best For |
|---|---|---|
| GEICO | From $139 | Most drivers |
| State Farm | From $149 | Good drivers |
| Progressive | From $157 | Bundling |
Minimum Car Insurance Requirements in Minnesota
Minnesota requires minimum liability coverage of 30/60/10 (Bodily Injury per person / per accident / Property Damage).
Minnesota operates under an no-fault insurance system.
Car Insurance Rates by City in Minnesota
Rates vary significantly within Minnesota. Drivers in Minneapolis typically pay the highest premiums, while those in St. Paul enjoy some of the lowest rates in the state.
Tips to Save on Car Insurance in Minnesota
- Compare quotes from top affordable insurers like GEICO, State Farm, and Progressive to find the best rates in MN.
- Consider increasing your deductible on comprehensive and collision coverage to lower your monthly premium.
- Inquire about discounts for safe driving, bundling multiple policies, or maintaining a good credit score.
Frequently Asked Questions
What is the average cost of car insurance in Minnesota?
The average annual cost for car insurance in Minnesota is approximately $1664, which breaks down to about $139 per month. However, your actual premium can vary based on factors like your driving record, vehicle type, and where you live.
What are the minimum car insurance requirements in Minnesota?
Minnesota requires drivers to carry minimum liability coverage of 30/60/10, meaning $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage. As a no-fault state, you must also have Personal Injury Protection (PIP) coverage.
Which cities in Minnesota have the cheapest and most expensive car insurance rates?
Generally, drivers in St. Paul find the cheapest car insurance rates in Minnesota, while residents of Minneapolis typically face the highest premiums. Location is a significant factor in determining your insurance costs.