Cheap car insurance in Minnesota for good drivers
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Affordable Minnesota car insurance that puts you first
Root rewards Minnesota drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Minnesota auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Minnesota auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Land of 10,000 Lakes
Minnesota drivers know the season can change the road as much as the destination does. The Twin Cities stay busy, but Duluth, Rochester, St. Cloud, and communities farther north give Minnesota drivers plenty more ground to cover.
Twin Cities driving: I-94 connects Minneapolis and St. Paul, while I-494 and I-694 help drivers move around the metro.
Beyond the Twin Cities: I-35 heads north toward Duluth and south toward the Iowa line, while US 52 connects the Twin Cities with Rochester.
Watch the weather: Minnesota 511 provides road conditions, closures, and other traveler information, particularly useful when snow and ice affect the drive.
You betcha driving matters: From Minneapolis to Duluth and beyond, explore Minnesota car insurance from Root.
Minnesota's minimum auto insurance requirements
To legally operate a vehicle in Minnesota, you must carry Personal Injury Protection (no-fault insurance), Liability insurance, and Uninsured/Underinsured Motorist coverage. If you are found driving without these, you may face fines and suspension of your driver’s license.
The minimum coverage amounts for liability, PIP, and UM/UIM car insurance required for drivers in Minnesota are [1]:
Bodily injury liability
$30,000 per person
$60,000 per accident
Property damage liability
$10,000 per accident
Personal injury protection
$20,000 for medical expenses per person
$20,000 for non-medical expenses per person
Uninsured/underinsured motorist coverage
$25,000 Bodily Injury per person
$50,000 Bodily Injury per accident (multiple people injured)
Types of Minnesota auto insurance we offer
Explore our Minnesota car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Personal Injury Protection (PIP) coverage
Required in Minnesota, PIP covers eligible medical expenses and/or lost wages for you and your family members after an accident, regardless of fault.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Minnesota?
The average Minnesota driver pays $2,591 per year for full coverage car insurance [2].
Root customers looking to purchase Minnesota car insurance could save up to $1,300 a year.
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Minnesota Auto Insurance FAQs
What is the minimum car insurance required in Minnesota?
To legally operate a vehicle in Minnesota, you must carry liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should also consider coverage that protects your vehicle, such as collision and comprehensive.
Liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage are the coverages Minnesota requires drivers to carry.
Is it legal to drive without insurance in Minnesota?
No, you cannot legally drive without auto insurance in Minnesota. State law requires drivers to maintain the required liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Minnesota?
Yes. Minnesota requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Minnesota?
The easiest ways to save on your Minnesota car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the North Star State.
Is Minnesota a no-fault car insurance state?
Yes, Minnesota is a no-fault state. Your own Personal Injury Protection (PIP) coverage helps pay for covered medical expenses and other eligible losses after a crash, regardless of who caused it.
Minnesota limits when you can recover noneconomic damages from the at-fault driver. You generally must meet one of the state’s statutory thresholds, such as more than $4,000 in qualifying medical expenses or an injury involving permanent disfigurement, permanent injury, death, or disability lasting 60 days or more.
Is auto collision insurance required in Minnesota?
Minnesota law does not require drivers to carry collision coverage. The state requires minimum liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for physical damage to your own vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Minnesota?
Yes, Minnesota requires drivers to carry uninsured/underinsured motorist coverage. UM/UIM coverage helps pay for bodily injuries if you’re hit by a driver who has no insurance or not enough insurance to cover your injuries.
UM/UIM does not cover physical damage to your vehicle. Collision and comprehensive coverage help cover damage to your own car, depending on the cause of the loss. You can review your coverage options in our app.
Does Root offer full coverage car insurance in Minnesota?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Minnesota?
Minnesota generally does not use SR-22 filings the way many other states do. If your license is suspended for a serious violation, such as a DUI or driving without insurance, you may still need to show proof of insurance to get your driving privileges back.
When can you sue after a car accident in Minnesota?
Because Minnesota is a no-fault state, your own Personal Injury Protection (PIP) coverage generally applies first to covered injury-related expenses.
You may recover noneconomic damages from the at-fault driver when you meet Minnesota’s statutory threshold. That includes when qualifying medical expenses exceed $4,000 or when the injury results in permanent disfigurement, permanent injury, death, or disability lasting 60 days or more.
What happens if I'm partly at fault for an accident in Minnesota?
Minnesota follows a modified comparative fault rule. You can still recover damages as long as your share of fault is not greater than the fault of the person you’re seeking damages from. Your recovery is then reduced by your percentage of fault.
For example, if you’re found 40% at fault, your damages would be reduced by 40%. If your fault is greater than the other party’s, you cannot recover damages from that party.
Helpful resources for Minnesota drivers
Minnesota Driver and Vehicle Services
Minnesota DVS issues driver's licenses and ID cards and handles vehicle titles and registrations.
Minnesota Department of Transportation
MnDOT maintains the state's highways and shares road and travel information.
Minnesota Commerce Department Insurance Division
The Minnesota Commerce Department regulates insurance in the state and helps consumers with insurance questions and complaints.
Start saving on car insurance
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References
Minnesota Office of the Revisor of Statutes. Minnesota Statutes Section 65B.49.
Insure.com. Annual average rates were compiled in 2026.