Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Minnesota apart
No-fault PIP; strong winters drive comprehensive claims.
Minimum vs. full coverage in Minnesota
What each coverage level costs on the Minnesota average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $750 | $62 |
| Liability Only | $1,210 | $101 |
| Full | $2,200 | $183 |
| Full Low Deductible | $2,690 | $224 |
Minimum coverage saves about $1,452/yr vs full — but caps protection at 30/60/10. One at-fault crash above those limits and the gap is yours.
Minnesota car insurance FAQ
- What's the minimum car insurance required in Minnesota?
- Minnesota's state minimum is 30/60/10 — $30k bodily injury per person, $60k per accident, $10k property damage. Minimum-only runs about $750/yr but leaves you exposed above those caps.
- How much is full coverage in Minnesota?
- Representative full coverage averages $2,202/yr (about $184/mo), ranking Minnesota #33 of 51 states for cost.
- Why is Minnesota car insurance priced the way it is?
- No-fault PIP; strong winters drive comprehensive claims.