Minnesota Auto Insurance Cost Calculator

What Does Car Insurance Cost in Minnesota?

Minnesota drivers pay an average of $1,200–$1,800/year for full coverage auto insurance in 2026. Minimum coverage (state-required only) runs $450–$700/year — but it leaves significant gaps. Here's what shapes your rate:

Minnesota auto insurance minimums (2026)

Minnesota requires no-fault (PIP) coverage, which makes it different from most states:

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $10,000 property damage
• $40,000 personal injury protection (PIP) — MN no-fault requirement
• $25,000/$50,000 uninsured motorist (required in MN)

Most agents (including Weston) recommend significantly higher limits — $100k/$300k bodily injury at minimum. The cost difference is often only $100–$200/year.

Biggest rate factors in Minnesota

• Age — drivers under 25 pay 40–80% more
• At-fault accidents — average +24% for 3 years
• DUI/DWI — average +76% for 5+ years
• Vehicle value — comprehensive/collision scales with car value
• Credit score — MN allows credit-based insurance scoring
• Bundle discount — home + auto bundle saves 12–20% on both