Car Insurance in Minnesota: 2026 Rates & Requirements

Minnesota requires one of the highest PIP minimums in the country - $40,000 - yet still lands among the more affordable no-fault states, a combination that comes down to a comparatively low uninsured-driver rate and a stable regulatory environment.

Minimum Insurance Requirements in Minnesota

Minnesota requires drivers to carry at least $30,000/60,000 in bodily injury liability (per person / per accident) and $10,000 in property damage liability. Minnesota requires $40,000 in Personal Injury Protection (PIP) and uninsured/underinsured motorist coverage at $25,000/$50,000. Minnesota is a no-fault state: your own PIP coverage pays your medical bills after an accident regardless of fault, and your right to sue the at-fault driver for pain and suffering is limited to more serious injuries. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Minnesota

The Minneapolis-St. Paul metro area accounts for a large share of the state's traffic and accident claims, while Minnesota's many smaller cities and rural counties typically see noticeably lower premiums for a similar driver profile. As a no-fault state, the mandatory $40,000 PIP requirement means every driver's own insurer is on the hook for a substantial medical bill regardless of fault, and that cost is priced into every policy statewide. Winter weather - ice and snow for a large part of the year - also contributes to seasonal accident spikes, though the state's overall low-litigation environment helps keep average premiums well below what several other no-fault states charge.

Get Your Own Minnesota Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Minnesota.