Cheap Minnesota Auto Insurance for 2026

Before buying Minnesota auto insurance, you should know a few things about Minnesota auto insurance minimums and requirements, rates, and rating factors when looking for cheap Minnesota auto insurance. With so many drivers on the road, it’s very important to be well-informed and properly insured. Understanding auto insurance is key to making sure you’re covered in Minnesota.

To find affordable Minnesota auto insurance right now, enter your ZIP code above. You’ll get fast, free Minnesota auto insurance quotes from top companies.

Minnesota Auto Insurance Requirements

Wondering how much auto insurance coverage do I need? In Minnesota, the state liability coverage minimums are:

• Bodily Injury Liability Coverage – $30,000 per person
• Bodily Injury Liability Coverage – $60,000 per accident
• Property Damage Liability Coverage – $10,000 per accident

Take a look at how Minnesota’s minimum rates compare with surrounding states.

Minnesota also requires uninsured/underinsured Motorist coverage with these minimums:

• Bodily Injury $25,000 per person
• Bodily Injury $50,000 per accident

Finally, the no-fault laws in Minnesota require you to carry personal injury protection (PIP) coverage at these minimums:

• $20,000 for medical coverage
• $20,000 for loss of income

In addition to the requirements, there are Optional coverages in MN that include:

• Comprehensive Coverage
• Collision Coverage
• Rental Car Reimbursement Coverage
• Roadside Assistance / Towing Coverage

When it comes to insurance, a state usually has to follow one of two systems, a tort system or a no-fault auto insurance system. The state of Minnesota has a no-fault system, which makes it so that any injury claims will be paid by your insurance company regardless of who was at fault.

Of course, the amount they pay is capped at a certain limit, but payments for injury claims will still be paid to their maximum limit. Because the state follows a no-fault system, it makes it harder for the person who wasn’t at fault to sue for more payments.

But even with a no-fault system, the state of Minnesota still has a set of minimum limits for liability. The first set of limits are minimum requirements for bodily injury liability and property damage liability. These liabilities are required by the state to cover for any damages to people in the other vehicle when you are at fault.

The minimum for bodily injury is $30,000 per person and $60,000 for all people injured in the accident.

The state also requests a minimum of $10,000 in coverage for property damage. This would cover any damages to the other person’s car in an accident where you are at fault. Once again, these listed values are minimum requirements, so they may not always be enough to cover everything you need. 

With these liability limits, the state also requires all insured drivers to have personal injury protection insurance (PIP). This coverage helps to pay for any immediate medical expenses for you and your passengers regardless of fault. The minimum coverage required here is $40,000 total (20,000 for medical coverage and 20,000 for loss of income coverage).

Another important requirement is uninsured/underinsured motorist bodily injury. This coverage prevents you from paying out of pocket if you find yourself in a car accident with an uninsured driver or a driver who doesn’t have enough coverage. The minimum requirement for bodily injury is at least $25,000 per person and $50,000 per accident.

Minnesota Auto Insurance Rates

Because Minnesota is a no-fault state, the insurance rates are a bit higher when compared to other states. This is partly because the insurance company always has to pay out on claims even if you’re not at fault. This extra pressure on the insurance company can raise the price of insurance, as can fraud, which is more common with no-fault insurance.

When looking at the prices of auto insurance from a distance, the premiums don’t seem too bad. The average rate in Minnesota is about $1,160, which is roughly $300 less than the national average and makes it easier to find affordable auto insurance.

This average rate also covers the rural areas, whereas a majority of Minnesota’s population is in the cities. In the cities, the insurance rates aren’t as pretty. In both major cities, Minneapolis and Saint Paul, the prices are about $1,700 each — about $300 more than the national average.

The way prices fluctuate between urban and rural areas is extreme, so it’s always a good idea to look deeper before making a snap call and canceling your auto insurance right away.

Learn more: How to Cancel Auto Insurance 

There are a lot of factors that auto insurance companies take into consideration when determining your rates (read about how car insurance rates are calculated for more information). Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females (read more: Affordable Auto Insurance Quotes for Women).

Minnesota Auto Insurance Companies

Most of the top auto insurance companies in the nation operate in Minnesota. Though the state boasts fairly cheap auto insurance rates overall, let’s take a look at how the best Minnesota auto insurance rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Minnesota Auto Insurance Agents

Take a look below for a list of Minnesota auto insurance agents.

Minnesota Auto Insurance Agents

• Cheap Minnesota Auto Insurance for 2026
• Get Affordable Clarissa, MN Auto Insurance Quotes (2026)
• Get Affordable Detroit Lakes, MN Auto Insurance Quotes (2026)
• Get Affordable New Richland, MN Auto Insurance Quotes (2026)
• Get Affordable Wabasha, MN Auto Insurance Quotes (2026)
• Get Affordable Wadena, MN Auto Insurance Quotes (2026)
• Get Affordable Willmar, MN Auto Insurance Quotes (2026)

Additional Minnesota Auto Insurance Information

Below you will find a list of official sources for assistance with Minnesota car insurance and driver licensing.

• Minnesota DMV- Driver and vehicle services (Minnesota DMV)
• Driver and Vehicle Services – Automobile Insurance
• Insurance Division | Minnesota Department of Commerce
• What you need to know about auto insurance – Minnesota Dept Of Commerce
• Minnesota Highway Safety Laws

Ready to find cheap Minnesota auto insurance rates? Just enter your ZIP code for free quotes from top Minnesota auto insurance companies.

Top Auto Insurance Agents in Minnesota

Discover the leading auto insurance agents spread across Minnesota’s diverse cities, from Clarissa to Wadena and beyond, offering reliable coverage and trusted services tailored to your needs.