What are the Minnesota car insurance laws?

Drivers need liability coverage limits of at least:

  • $30,000 in bodily injury per person
  • $60,000 in total bodily injury per accident
  • $10,000 in property damage per accident

When considering liability limits, take your overall net worth into account. You can choose higher limits than those required in Minnesota for added protection.

Minnesota also requires personal injury protection (PIP) and uninsured/underinsured bodily injury coverage (UM/UIM BI) with the following minimum limits:

  • PIP: $40,000 ($20,000 for medical expenses, 20,000 for economic reasons such as lost wages)
  • UM/UIM BI: $25,000 per person, $50,000 per accident

PIP covers your medical costs, as well as lost wages and death benefits, and pays out even if you're at fault. UM/UIM BI pays for medical expenses for you and your passengers if you are hit by a driver with little or no insurance.

Comprehensive and collision coverage protect your vehicle

If you're leasing or financing a vehicle in Minnesota, most lenders will mandate that you carry physical damage coverages. And unless your vehicle holds little value, it's wise to add them. Comprehensive and collision pay for the repair or replacement of your car if it's in an accident, gets stolen, or is otherwise damaged as a result of a covered incident.

With Progressive's Name Your Price® Tool, you tell us how much you want to pay — then we'll show you options that fit your desired price. See more on our Name Your Price Tool.

How much is Minnesota auto insurance?

In 2020, a Progressive auto liability-only policy in Minnesota cost on average $134 per month.* Your rate can vary based on a number of factors, including your driving history, zip code, plus the limits and coverages you choose.

Can I save more through discounts?

Yes. Progressive offers a range of discounts such as:

  • Residence insurance
  • Multi-policy
  • Five-year accident-free
  • Online quote
  • Distant student
  • Teen driver
  • Smart technology
  • Paperless

See more auto discounts.

Facts and figures about driving in Minnesota:

  1. Minnesota is one of only a handful of states that require bodily injury and property damage liability, personal injury protection, and uninsured/underinsured motorist coverage.

  2. In 2019, Minnesota enforced stricter driving laws for hands-free driving and keeping slow drivers out of the left lane on their freeways.

  3. In 2015, an estimated 11.5% of drivers in Minnesota were uninsured. Consider uninsured motorist coverage to protect yourself if the other driver can't pay.

How to get car insurance in Minnesota

Go online

Customize your policy's coverages, limits, and deductibles.

Call us

Talk to a licensed representative who will guide you through every step of the process.

Ask an agent

Get expert advice from an independent agent near you.