Minnesota car insurance: minimums, prices and your estimate
Minnesota requires at least $30,000 of bodily injury liability per person, $60,000 per accident, and $10,000 of property damage liability (written 30/60/10).
Minnesota is a no-fault state: every policy includes at least $40,000 of personal injury protection per person, split equally between medical bills and other losses such as lost income. Uninsured and underinsured motorist coverage are both required.
- Legal minimum
- 30/60/10 + $40k PIP
- Fault system
- No-fault
- Personal injury protection
- Required, $40,000 minimum
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- Check with the DMV
What drivers in Minnesota can expect to pay
Monthly ranges from our model, anchored to Minnesota's position in 7 published price studies from 2025 and 2026 ($2,795 a year for full coverage and $733 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $200-$266 | $2,795 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $53-$70 | $733 |
| Young driver, full coverage20, own policy, clean record | $373-$559 | $5,590 |
| Senior, full coverage70, clean record | $193-$255 | $2,683 |
| After one at-fault accident35, full coverage | $301-$398 | $4,193 |
| After a DUI35, full coverage | $350-$526 | $5,255 |
| Poor credit35, clean record, full coverage | $358-$514 | $5,227 |
Build your Minnesota estimate
Rules worth knowing in Minnesota
- Personal injury protection pays at least $20,000 for medical expenses and $20,000 for lost income, replacement services, funeral and survivor losses. It covers 85% of lost income, up to $500 a week, and funeral costs up to $5,000.
- You can sue for pain and suffering only when certain thresholds are met, such as medical expenses over $4,000.
- Uninsured and underinsured motorist coverage are each required at no less than 25/50, and insurers do not have to provide either above your liability limits.
- Insurers may use credit information, but not as the only reason to reject, cancel or refuse to renew a policy. Credit scoring models cannot include gender, race, nationality or religion.
- Insurers cannot refuse to insure you, refuse to continue your coverage or limit it because of your sex or marital status.
- If you are told you need an SR-22 or other proof-of-insurance filing, Minnesota sets how long you must keep it, so check with the DMV.
Questions about Minnesota car insurance
What is the minimum car insurance in Minnesota?
Minnesota requires at least $30,000 of bodily injury liability per person, $60,000 per accident, and $10,000 of property damage liability (written 30/60/10).
How much is car insurance in Minnesota per month?
For a 35-year-old with a clean record, our model puts full coverage at about $200 to $266 a month and state-minimum coverage at about $53 to $70. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Minnesota a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in Minnesota use my credit score?
Yes. Many insurers in Minnesota use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Minnesota?
Only if a court or the state requires one, usually after a serious violation or a lapse. If you are told you need an SR-22 or other proof-of-insurance filing, Minnesota sets how long you must keep it, so check with the DMV.