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minnesota car insuranceShopping for Minnesota automobile insurance? If you reside in Minneapolis, Saint Paul, Rochester, Duluth, or Bloomington, you can easily find up to six rate quotes from top companies near you via Costs may vary by insurer and you ought to compare rates thoroughly before you acquire a policy. We’ll enable you to obtain the coverage to meet your needs.

Minnesota Auto Insurance – Average Premiums

The state average rate for Minnesota is somewhere around $89 each month, which isn’t too high when compared with the rest of the country. Some places, like Duluth or Bloomington, are even cheaper – average prices there are around $71/mo. But then again, there are more expensive cities like St. Paul, where the average monthly rate starts at around $103.

Average Auto Insurance Costs in Minnesota Legend: Major City Bloomington Duluth Minneapolis Rochester Saint Paul State Average 10 20 30 40 50 60 70 80 90 100 $71 $71 $98 $101 $103 $89


There are several factors that affect the price of Minnesota vehicle insurance. If you live in an area with a high rate of automobile collisions, your insurance costs may be higher. For example, someone who lives in Minneapolis will undoubtedly pay more for their policy than a motorist living in Columbia Heights. This is because rural drivers are less likely to get into an accident than city drivers.

Important Minnesota Auto Insurance Laws and Requirements

Although Minnesota is a no-fault state and therefore requires the purchase of PIP coverage, don’t let that discourage you from trying to find cheap Minnesota car insurance. In addition to PIP, Minnesota also requires the purchase of UM/UIM coverage, as well as liability. These minimum requirements are outlined below:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 100,000/300,000
Property Damage Liability 10,000 100,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Personal Injury Protection 40,000 40,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible


Choosing the Right Amount of Minnesota Car Insurance Coverage

Minnesota has more robust insurance requirements, like PIP and uninsured motorist coverage, compared to other states. However, Comprehensive coverage and things like collision or roadside assistance are still optional – but could be worth the money in the long run.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Bloomington Duluth Minneapolis Rochester Saint Paul State Average 15 30 45 60 75 90 105 120 135 $47 $96 $40 $102 $68 $129 $36 $89 $71 $135 $52 $110


Minnesota DUI Laws

If you are convicted of your first DUI offense, you may face the following penalties: up to 90 days in jail; a fine of $1,000 (along with a $250 license reinstatement fee, a $430 license reinstatement surcharge, and a $24 driver license application fee); your license may be suspended for 90 days (180 days with a BAL above 0.20 or if someone under the age of 16 is in the car with you); your license may be suspended for a year if you refuse to take a DWI test; a possible restricted license after 15 days for a non-aggravating DWI ; and a possible ignition lock.

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Minnesota, filing an SR-22 is not required in order to have your license reinstated.

DUI Car Insurance Costs in Minnesota Legend: Clean Record DUI Violation Bloomington Duluth Minneapolis Rochester Saint Paul State Average 20 40 60 80 100 120 140 160 180 $47 $117 $40 $96 $68 $176 $36 $87 $71 $192 $52 $133


Age Limit Laws

New laws state that drivers as young as 15 can apply for a learner stage permit in the state of Minnesota. After at least six months and 50 hours of supervised driving, 15 of them at night (or possibly fewer hours if their parent takes a special course), they can apply for an intermediate permit at the age of 16. They may not drive between midnight and 5 AM, and have no more than 1 non-family passenger in the car who is under the age of 20 (that expands to 3 passengers after six months). The nighttime driving restriction is lifted at the age of 16 years and 6 months, and they can apply for a full license at the age of 17.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Bloomington Duluth Minneapolis Rochester Saint Paul State Average 50 100 150 200 250 $197 $174 $285 $157 $299 $223


Credit Score Laws and Regulations

Suffering any sort of financial hardship can have lasting effects when it comes to your credit score. In Minnesota, it is legal for your insurer to alter your rates based on credit score changes, which is why it is important to pay your bill on time every month.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Bloomington Duluth Minneapolis Rochester Saint Paul State Average 15 30 45 60 75 90 105 120 135 150 $42 $99 $36 $86 $61 $143 $33 $77 $64 $159 $47 $113


Insuring your Vehicle in Minnesota

Here’s a question: what happens if a friend or family member borrows your car, and gets into an accident? Well, if the at-fault driver was driving your vehicle, it would actually be you and your insurance company. That’s why your insurer needs to know just as much information about your vehicle as they do you, so that they can still protect themselves and your vehicle in odd situations like the one mentioned above.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Bloomington Duluth Minneapolis Rochester Saint Paul State Average 15 30 45 60 75 90 105 120 135 $47 $82 $40 $120 $68 $135 $36 $102 $71 $141 $52 $116


Additional Minnesota Auto Insurance Laws and Requirements

So far, we’ve talked about some of the biggest rate-altering factors – like credit, and your location – but there are other laws you need to obey to keep your rates low:

Highway Safety Laws

As of now, there are no aggressive driving laws on the book in Minnesota. But that should not diminish how dangerous aggressive driving is, how much aggressive driving will increase your likelihood of an accident, or the additional legal and financial consequences you will face when aggressive driving habits cause an accident.

Aggressive Driving No state law
Cell Phones and Texting Laws Primary All-Driver Ban for: Bus Drivers, Novice Drivers, and Texting
Inc. Penalty for High BAC BAC 0.16
Admin. License Susp. on 1st Offense 90 days


Speed Limits and Cell Phone Use

Like most states, Minnesota has passed a primary level all-driver ban on texting while driving, due to the massive rates of accidents that it causes. There are also bans on talking on a cell phone while driving for school bus drivers and drivers under the age of 18. And this ban is also a primary level of enforcement.

Rural Interstate 70 mph
Urban Interstate 55-65 mph
Other Limited-Access 65 mph

Important Minnesota Contacts

Minnesota Department of Public Safety – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Minnesota Website

Minnesota Department of Insurance

How to contact directly:

Minnesota Dept. of Commerce
85 – 7th Place East, Suite 500
St. Paul, MN 55101
Phone: 1-651-296-4026
For Consumer Information:
Phone: 651-296-2488
Toll free: 800-657-3602

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