Cheap Car Insurance in Minnesota

How Minnesota stacks up

At $1,500 per year for full coverage, Minnesota drivers pay 16% less than the national average of $1,789. No-fault state with PIP minimum $40k. Twin Cities metro pays 25% more than greater Minnesota.

Premiums vary widely within Minnesota based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.

Required minimum coverage in Minnesota

Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.

5 ways to lower your Minnesota car insurance

• Compare 3+ insurers — drivers who shop can save up to $487/year on average.
• Raise your deductible from $500 to $1,000 if you have an emergency fund.
• Bundle auto with home or renters insurance (10–25% discount).
• Ask about telematics / usage-based discounts (10–30% if you drive carefully).
• No-fault state with PIP minimum $40k. Twin Cities metro pays 25% more than greater Minnesota.