Finding cheap car insurance in Minnesota is achievable in the Land of 10,000 Lakes, where rates are slightly below the national average. Minnesota's no-fault insurance system and safe driving culture contribute to relatively moderate premiums for most drivers.
Minnesota offers a competitive insurance market with options for every budget. Understanding Minnesota car insurance requirements helps you find the best coverage at an affordable price.
Minnesota Car Insurance Requirements
Minnesota requires minimum liability coverage of 30/60/10—$30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage. PIP coverage of $40,000 and uninsured/underinsured motorist coverage are also required.
Minnesota's no-fault system means your insurance pays for your injuries regardless of who caused the accident, up to your PIP limits.
What Affects Minnesota Car Insurance Rates
Your location within Minnesota impacts your car insurance rates. Minneapolis-St. Paul has higher premiums due to traffic congestion and accident frequency. Greater Minnesota and rural areas have lower rates.
Minnesota's harsh winters affect accident rates and comprehensive claims. Deer collisions are also common in rural areas, impacting Minnesota auto insurance pricing.
How to Save on Minnesota Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Minnesota. The state's competitive market offers substantial rate variations.
Take advantage of Minnesota's discount opportunities including safe driver, multi-policy, good student, and winter driving course discounts. Many insurers offer snow tire discounts during winter months.