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Car Insurance in Minnesota: 2026 Rates & Guide

Minnesota is a mid-range state for car insurance. The average driver pays $104/month ($1248/year). Here's how to find the best rate for your situation.

$104

Avg Monthly

$1248

Avg Annual

#35

Cost Rank (1=priciest)

$78

Cheapest Option/mo

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Cheapest Car Insurance Companies in Minnesota (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Minnesota — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$78/mo4.5Get Quote
2
GEICO
$82/mo4.3Get Quote
3
American Family
$76/mo4.4
4
Progressive
$92/mo4.1Get Quote
5
Farmers
$96/mo4Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Minnesota Car Insurance Requirements

Minimum Coverage: 30/60/10

Minnesota is a no-fault state. You must carry Personal Injury Protection (PIP) in addition to liability coverage.

Minnesota Insurance Facts

Minnesota is a no-fault state requiring $40,000 in PIP coverage — one of the highest PIP minimums in the country.
Minneapolis-St. Paul has higher premiums than greater Minnesota due to congestion, theft, and higher repair costs.
Severe winters and heavy snowfall lead to more weather-related accidents per driver than the national average.

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How to Get Cheaper Car Insurance in Minnesota

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Minnesota — FAQs

What is the average cost of car insurance in Minnesota?
The average car insurance cost in Minnesota is $104 per month ($1248 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Minnesota?
Minnesota requires minimum liability coverage of 30/60/10 (bodily injury per person / bodily injury per accident / property damage). Minnesota is a no-fault state, which means additional PIP coverage is also required.
Which company has the cheapest car insurance in Minnesota?
Based on our research, State Farm offers the lowest average rate in Minnesota at around $78/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Minnesota a no-fault car insurance state?
Yes, Minnesota is a no-fault state. This means your own insurance covers your medical bills after an accident regardless of who was at fault. Personal Injury Protection (PIP) coverage is required.
How can I lower my car insurance in Minnesota?
The most effective ways to lower your car insurance in Minnesota include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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