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Minnesota is a no-fault state. Drivers must carry at least 30/60/10 + $40,000 PIP in coverage, and the average full-coverage premium is $2,290 a year, 22% below the national average of $2,922. This guide covers what Minnesota requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 30/60/10 + $40,000 PIP |
| Fault system | No-fault |
| Average full coverage | $2,290 a year ($191 a month), 22% below the national average of $2,922 |
| Uninsured drivers | 11.3% (2023), the 34th highest rate of 51 |
| Filing after serious violations | Proof of financial responsibility, if ordered |
Minnesota requires $30,000 bodily injury liability per person, $60,000 per accident, $10,000 property damage liability, and no-fault personal injury protection of $40,000 ($20,000 for medical expenses and $20,000 for non-medical losses such as lost income) (Minnesota Department of Commerce, "Auto Insurance Basics"; Minnesota Statutes §65B.49).
| Uninsured and underinsured motorist | Both required, each at least $25,000 per person and $50,000 per accident. |
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Minnesota is $2,290 a year, 22% below the national average of $2,922. That makes Minnesota the 14th cheapest of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Within Minnesota, prices still vary a lot by ZIP code, driving record and car, and 11.3% of drivers on Minnesota roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with Minnesota preselected for a personal estimate, and see what determines your car insurance cost.
Minnesota uses modified comparative fault with a 51% bar: your damages are reduced by your share of the blame, and you recover nothing if you are more than 50% at fault. (Matthiesen, Wickert & Lehrer, "Contributory Negligence/Comparative Fault Laws in All 50 States," updated June 10, 2026)
An estimated 11.3% of Minnesota drivers were uninsured in 2023, the 34th highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
You must carry proof of insurance and produce it when a peace officer asks. (Minnesota Statutes §169.791)
Driving without insurance, or failing to produce proof when a peace officer demands it, is a misdemeanor, and your license can be revoked for up to 12 months. Before your license or registration is reinstated, an insurer must file a certificate with the Department of Public Safety confirming you are insured. (Minnesota Statutes §169.797)
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Minnesota from $1,911 to $2,469 a year, an increase of 29% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
Minnesota requires an insurer's certificate of coverage filed with the Department of Public Safety before reinstating a license revoked for driving uninsured. Your insurer submits it for you.
Minnesota uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Minnesota Department of Commerce. It handles consumer questions and complaints about insurers in Minnesota.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
