Minnesota car insurance
Whether driving through Brooklyn Park, St. Cloud or Duluth, Minnesota drivers trust Progressive for dependable protection behind the wheel. With customized coverages and discounts, we specialize in reliable and affordable Minnesota car insurance.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Minnesota's minimum auto insurance requirements?
Drivers in Minnesota are required to have auto liability coverage (BI liability and PD liability), uninsured motorist (UM) bodily injury coverage, and personal injury protection (PIP) at the following minimum car insurance limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$30,000 per person $60,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount$10,000 per accident |
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$25,000 per person $50,000 per accident |
| Personal injury protection (PIP) | What it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault. | Minimum amount$40,000 ($20,000 for medical expenses, $20,000 for economic reasons such as lost wages) |
While these are Minnesota's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.
Is Minnesota a no-fault state?
Yes. Minnesota has been a no-fault state since 1975, according to the Insurance Information Institute. As a no-fault state, Minnesota requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries.
How much is car insurance in Minnesota?
In 2023, a Progressive auto liability-only policy (single driver/single car) in Minnesota cost an average of $111 per month.* Your rate can vary based on a number of factors, including your driving history and ZIP code, plus the limits and coverages you choose. Learn more about the factors that impact car insurance rates.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.
What is the best car insurance in Minnesota?
Finding the best car insurance in Minnesota means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Minnesota get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're a leading auto insurance company.
If you're looking for the cheapest car insurance in Minnesota, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
- GEICO customers who switch and save with Progressive save $757 on average§
- State Farm customers who switch and save with Progressive save $661 on average‡
How do I lower my car insurance cost in Minnesota?
To lower your car insurance cost in Minnesota, you may qualify for the following discounts through Progressive:
- Residence insurance
- Distant student
- Multi-policy
- Teen driver
- Five-year accident-free
- Paperless
- Online quote
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Minnesota is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Minnesota's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages, and our car insurance calculator to find which ones are recommended for you.
Minnesota driving resources
From Minneapolis and Saint Paul to Lakeville, get to know Minnesota's driving laws and resources. These resources apply to Minnetonka, Mankato, and everywhere in between. Local municipalities may have additional laws and resources.
- Minnesota Driver & Vehicle Services: Find out how to get or renew your Minnesota license and registration.
- Minnesota Safety Council traffic safety: Learn about Minnesota online defensive driving training for employees, professional drivers, senior and young drivers, the safe use of child safety seats, bicycles, pedestrian safety, and more.
- Minnesota Driver & Vehicle Services FAQs: Online services for Minnesota drivers with answers to questions about REAL ID, driver's license and non-driver IDs, scheduling a driving test, and other services.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Minnesota
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