Is Minnesota a no-fault state?

Yes, Minnesota has been a no-fault state since 1975, according to the Insurance Information Institute . As a no-fault state, Minnesota requires drivers to carry PIP coverage , which pays your own medical expenses after an accident, regardless of who's at fault. It also limits when you can sue to only accidents that involve serious injuries.

How do I lower my car insurance in Minnesota?

Keeping a clean driving record can help lower your premium . You may also qualify for discounts for getting your quote online, owning your home, or insuring a student who lives away at school.

What is considered "full coverage" car insurance in Minnesota?

" Full coverage " isn't an official type of car insurance. It usually describes a policy that combines Minnesota's required coverages with comprehensive and collision coverage. If you lease or finance your vehicle, your lender will likely require "full coverage" to meet your loan or lease terms.

What happens if you drive without insurance in Minnesota?

Driving without insurance is illegal in Minnesota. If you're caught without the state's required coverages, you could face fines, suspension of your driver's license and vehicle registration, and reinstatement requirements before you can legally drive again. A coverage gap can also raise your rate when you buy a new policy.

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Getting car insurance in Minnesota

Finding car insurance in Minnesota starts with understanding the state's required coverages and the factors that affect your rate. With flexible coverage options and transparent pricing, Progressive helps Minnesota drivers cover the potential costs of the state's icy winters and frequent animal collisions. Our easy-to-use tools help drivers compare coverage, budget, and find more ways to save. Get started with the Name Your Price® tool, the easiest way to see which coverages fit your budget.

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Required coverages
Discounts
Average cost
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Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Minnesota?

Minnesota currently requires drivers to carry the following auto insurance coverages.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$30,000 per person $60,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$10,000 per accident
Uninsured/underinsured motorist bodily injury	Your medical costs caused by an uninsured or underinsured driver	$25,000 per person $50,000 per accident
Personal injury protection	Your medical costs after an accident, plus lost wages and death benefits, regardless of fault	$40,000 total: $20,000 for medical expenses and $20,000 for economic losses such as lost wages

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Car insurance discounts in Minnesota

Car insurance discounts can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Popular discounts available in Minnesota include:

Multi-policy
Save when you have two or more policies with Progressive. For instance, if you carry auto and boat insurance with us, you'll enjoy a discount on your auto policy.
Five-year accident-free
Save when you go five years without an accident. Staying accident-free shows insurers you're a lower-risk driver, which can help bring down your premium.
Paperless
Save when you choose paperless billing and documents. You'll get your statements, ID cards, and policy details by email.

What is the average cost of car insurance in Minnesota?

The average cost of car insurance in Minnesota is $111.06 per month^†, according to Progressive's internal data. That rate is based on a 2025 liability-only policy for a single vehicle and driver. Your own rate can vary with your driving history, ZIP code, and the coverages you choose.

Factors that impact your auto insurance rate in Minnesota

Many factors impact how much you pay for auto insurance in Minnesota, including:

Driving history: Tickets, accidents, and past claims can affect your rate.
Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your rate. Higher vehicle values can lead to higher claim costs.
Location: Traffic density, accident frequency, theft rates, and local weather vary across the state. The Minneapolis-St. Paul metro can see higher claim frequency, and severe winter weather and animal collisions add to claim costs in many areas.
Coverage choices and deductibles: Adding coverages or raising your limits increases your premium, while choosing a higher deductible can lower it.

Recommended additional auto insurance coverages in Minnesota

Minnesota requires bodily injury and property damage liability coverage, but these coverages may not cover all costs after an accident. Adding optional coverages can deliver extra protection, help fill gaps in your policy, and give you peace of mind:

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events
Collision	Cost to repair your vehicle if it overturns or collides with another vehicle or object

Minnesota driving resources

Get to know Minnesota's driving laws and insurance resources. Keep in mind that local governments may have additional rules or requirements.

Minnesota Driver and Vehicle Services (DVS): Where Minnesota drivers handle licensing, ID cards, vehicle registration, and renewals.
Minnesota Safety Council: Traffic safety resources and defensive driving courses for new, senior, and professional drivers
Minnesota Department of Commerce: The state agency that regulates insurers in Minnesota and provides consumer help, complaint filing, and guidance on your rights as a policyholder.

How to get car insurance in Minnesota with Progressive

Progressive makes it easy for Minnesota drivers to compare coverage options and get a competitive auto insurance quote.

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