Minnesota drivers pay an average of $1,531 per year for full coverage. CoverShield agents compare 40+ carriers licensed in MN on one call — most Minnesota drivers save $400–$700 a year by re-shopping.
Average wait: 12 sec · Licensed in MN
Avg Minnesota full-coverage premium
$1,531/yr
Avg Savings After Re-shop
$400–$700/yr
Carriers Licensed in MN
40+
Minnesota ranks #22 in US population and is a no-fault auto-insurance state. State minimum liability is 30/60/10, but roughly 9.9% of MN drivers carry no insurance at all — one of the strongest arguments for adding uninsured-motorist coverage to your policy. Average full-coverage premium in Minnesota sits at $1,531/yr, and Minneapolis ZIP codes typically run 10–25% above that.
Local underwriting notes
Minnesota full-coverage auto insurance averages $1,531/year, roughly 11% below the 50-state average of $1,714/yr. That matters because carriers do not price Minneapolis, Saint Paul, Rochester the same way; ZIP-level claim frequency and repair costs can move quotes hundreds of dollars apart inside the same state.
Minnesota is a no-fault state, so PIP and first-party medical rules shape every quote. The legal minimum is 30/60/10, but a serious crash in a higher-cost metro can exhaust those limits quickly. Minnesota's uninsured-driver rate sits near the national middle, making UM/UIM a sensible add-on for most households.
Because Minnesota is a mid-to-large insurance market with meaningful city-by-city price swings, carrier appetite can swing between dense metro neighborhoods, college towns, rural commute corridors, and weather-exposed areas. Agents also check hail & winter storms exposure, garaging address, mileage, prior-insurance gaps, and whether a household qualifies for telematics, multi-car, paid-in-full, or homeowner discounts.
Minnesota market notes
Carrier appetite, regulation, and weather exposure that change how auto insurance is actually priced in Minnesota.
Minnesota is a no-fault PIP state with mandatory $40K PIP ($20K medical, $20K wage loss). Minneapolis/St. Paul metro is the largest market; Greater MN runs significantly cheaper. MN's relatively low uninsured rate (~9.9%) keeps UM premiums down. Winter-related comprehensive claims (deer collisions, ice damage) drive a meaningful share of MN total auto losses.
Notable MN auto insurance carriers
MN state law sets the legal floor at 30/60/10, but most CoverShield agents recommend 100/300/100 or higher because medical and repair costs in Minneapolis routinely exhaust state-minimum limits after a serious crash.
| Coverage | MN minimum | What it pays for |
|---|---|---|
| Bodily injury — per person | $30,000 | Medical bills for one person you injure in an at-fault crash. |
| Bodily injury — per accident | $60,000 | Total bodily-injury cap across all people hurt in one crash. |
| Property damage | $10,000 | Repairs to vehicles, fences, structures you damage. |
| Personal Injury Protection (PIP) | Required | MN is a no-fault state — your own insurer pays your medical bills regardless of fault. |
Source: MN Department of Insurance, 2026. State minimums are the legal floor — not a recommendation.
These are the carriers we see win the most MN quotes — but the cheapest carrier for you depends on age, vehicle, driving record, credit (where allowed), and ZIP. CoverShield re-shops all of them on one call.
State Farm
Active across MN. Competitive in Minneapolis ZIPs and surrounding counties.
American Family
Active across MN. Competitive in Saint Paul ZIPs and surrounding counties.
Progressive
Active across MN. Competitive in Rochester ZIPs and surrounding counties.
GEICO
Active across MN. Competitive in Minneapolis ZIPs and surrounding counties.
Auto-Owners
Active across MN. Competitive in Saint Paul ZIPs and surrounding counties.
An SR-22 is a certificate MN requires after a DUI, reckless driving, at-fault crash without insurance, or license reinstatement. It's not a separate policy — it's a filing your insurer sends to the MN DMV proving you carry at least the 30/60/10 state minimum.
Filing fee
$20–$50
One-time, paid to your carrier.
How long required
3 years (5 in some cases)
Continuous coverage — any lapse restarts the clock.
Premium impact
+40–80%
Compared to standard MN rates for 3 years post-incident.
Not every MN carrier files SR-22s. Standard-market insurers often non-renew after a major violation, pushing drivers into non-standard carriers (Direct Auto, Acceptance, Bristol West, Dairyland) at higher rates. CoverShield agents know which MN-admitted carriers still file SR-22 at competitive premiums — and which ones to avoid.
We serve every ZIP in Minnesota. Common quote requests come from Minneapolis, Saint Paul, Rochester, and Saint Paul — but rural and small-town MN drivers get the same agent attention.
Minnesota — Common Questions
Minnesota requires liability limits of at least 30/60/10 (bodily injury per person / per accident / property damage). Most CoverShield agents recommend higher limits because medical and repair costs in Minneapolis routinely exceed state minimums after a serious crash.
Premiums in Minnesota are driven by population density, uninsured-motorist rates, severe weather exposure (hail), and repair costs. Re-shopping every 6 months is the single biggest lever Minnesota drivers control.
Most MN-licensed carriers can bind a policy the same day — usually within minutes once payment and license info are confirmed. Useful for dealerships, lease handoffs, or SR-22 court deadlines.
Yes — every ZIP code, from Minneapolis to Saint Paul. CoverShield works with carriers admitted in all of MN.
Yes — Minnesota is a no-fault state. MN drivers must carry Personal Injury Protection (PIP) coverage, and your own insurer pays your medical bills after a crash regardless of who is at fault. This affects which carriers price competitively in Minnesota and is one reason MN premiums tend to run higher than tort states.
Roughly 9.9% of drivers in Minnesota are uninsured (IRC data). That's near the US average. Adding UM/UIM coverage in MN typically costs $5–$15/month and protects you from the bills an uninsured driver can't pay.
No forms, no spam. One call, real MN-licensed agent.
Local auto insurance pages for the largest Minnesota cities. Rates and minimums vary by ZIP — pick your city for a localized breakdown.
Auto Insurance in Oregon
Avg Oregon full-coverage premium: $1,538/yr
Auto Insurance in Alaska
Avg Alaska full-coverage premium: $1,502/yr
Auto Insurance in Washington
Avg Washington full-coverage premium: $1,500/yr
Auto Insurance in Utah
Avg Utah full-coverage premium: $1,496/yr
Auto Insurance in Illinois
Avg Illinois full-coverage premium: $1,485/yr
Auto Insurance in New Mexico
Avg New Mexico full-coverage premium: $1,599/yr
