Minnesota car insurance: requirements & free quotes
Minnesota is a no-fault state requiring 30/60/10 liability, $40,000 in personal injury protection and both uninsured and underinsured motorist coverage. Long, snowy winters make collision and comprehensive coverage important for many drivers.
Minimum coverage in Minnesota
$30,000
Bodily injury per person
$60,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $30,000 per person / $60,000 per accident
Property damage liability $10,000 per accident
Personal injury protection (PIP) $40,000 ($20,000 medical / $20,000 non-medical)
Uninsured motorist $25,000 / $50,000
Underinsured motorist $25,000 / $50,000
Shown as 30/60/10 + PIP 40,000 + UM/UIM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Minnesota
- Comprehensive coverage helps with deer collisions and winter storm damage.
- Consider higher UM/UIM limits, since they protect you when the other driver is short on insurance.
- Ask about discounts for completing an accident-prevention course, especially for older drivers.
- Bundling auto with home insurance can reduce your total cost.
We connect drivers across Minnesota
Including Minneapolis, Saint Paul, Rochester, Duluth and Bloomington — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Minnesota car insurance FAQ
Yes. Minnesota is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.