Car Insurance in Minnesota
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Introduction: Car Insurance in Minnesota
Minnesota, the Land of 10,000 Lakes, is home to nearly 6 million residents and millions of cars. Car insurance is required by state law and essential for financial protection against accidents and unexpected events. With extreme weather conditions and busy roads in Minneapolis, St. Paul, and other cities, having adequate coverage is crucial.
According to the National Association of Insurance Commissioners (NAIC), Minnesota drivers pay an average annual cost of around $1,800 for full coverage, slightly higher than the national average of $1,674.
Minnesota Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (30/60/10 Rule)
Minnesota law requires drivers to carry:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $10,000 property damage per accident
- Personal Injury Protection (PIP): Minimum of $40,000
- Uninsured/Underinsured Motorist Coverage (UM/UIM): $25,000 per person/$50,000 per accident
Why Minimum Coverage Might Not Be Enough:
- Medical costs often exceed $30,000 per person.
- Vehicle repairs can easily exceed $10,000.
- UM/UIM coverage is crucial due to uninsured drivers on Minnesota roads.
Recommended Coverage for Better Protection
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision | Damages from vehicle accidents | New or financed vehicles |
| Comprehensive | Theft, vandalism, natural disasters | Important due to harsh Minnesota weather |
| Higher Liability Limits | Additional protection against serious accidents | Highly recommended for all drivers |
| Medical Payments (MedPay) | Covers additional medical expenses | Drivers with limited health insurance |
Average Cost of Car Insurance in Minnesota
Car insurance rates in Minnesota vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Minnesota Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $650 |
| Full Coverage | $1,800 |
Car Insurance Cost by Major Minnesota Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Minneapolis | $750 | $1,900 |
| St. Paul | $730 | $1,850 |
| Rochester | $680 | $1,700 |
| Duluth | $660 | $1,650 |
| Bloomington | $700 | $1,800 |
| Plymouth | $690 | $1,750 |
| Brooklyn Park | $720 | $1,850 |
| Maple Grove | $700 | $1,800 |
| Woodbury | $710 | $1,820 |
| St. Cloud | $670 | $1,680 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $3,500–$4,800 | $5,800–$7,500 |
| 20-24 Years | $1,900–$2,600 | $3,500–$4,800 |
| 25-34 Years | $1,200–$1,800 | $2,800–$3,600 |
| 35-44 Years | $950–$1,400 | $2,400–$3,100 |
| 45-54 Years | $900–$1,350 | $2,200–$2,900 |
| 55+ Years | $850–$1,300 | $2,000–$2,700 |
Teen Drivers: Highest rates due to inexperience.
Young Adults: Rates decrease with experience.
Mid-Age Drivers: Enjoy the lowest premiums.
Senior Drivers: Rates rise slightly due to increased risk.
Factors Affecting Car Insurance Rates in Minnesota
Several factors influence car insurance rates in Minnesota, including:
- Driving Record: Violations significantly raise premiums.
- Location: Higher rates in urban areas.
- Annual Mileage: More driving equals higher risk.
- Vehicle Type: Luxury and sports cars cost more to insure.
- Weather Conditions: Harsh winters lead to higher insurance claims.
- Coverage Level: More comprehensive coverage increases premiums.
Best Car Insurance Companies in Minnesota (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Full Coverage Cost |
|---|---|---|
| State Farm | Excellent customer service | $1,750 |
| GEICO | Most affordable rates | $1,700 |
| Progressive | Good for high-risk drivers | $1,850 |
| American Family | Strong local presence | $1,800 |
| Allstate | Wide coverage options | $1,900 |
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FAQs
Minnesota requires 30/60/10 liability coverage, $40,000 PIP, and $25,000/$50,000 UM/UIM coverage.
Minimum coverage around $54; full coverage about $150 per month.
Smaller cities like Duluth and Rochester generally have lower rates compared to Minneapolis and St. Paul.
Yes, Minnesota requires $25,000/$50,000 uninsured/underinsured motorist coverage.
Yes, but rates will be higher. Shopping around and defensive driving courses can help lower costs.
Sources
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.