Cheap auto insurance in Minnesota

Illustration of Tettegouche State Park on Lake Superior in MinnesotaIllustration of Tettegouche State Park on Lake Superior in Minnesota

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Minnesota:

Is it mandatory to have car insurance in Minnesota?


What are the minimum limits for Minnesota?

$30,000 bodily injury liability per person 
$60,000 bodily injury liability per accident 
$10,000 property damage liability per accident



What coverages are required to be offered in Minnesota?

Bodily injury liability, property damage liability, and uninsured/underinsured motorist bodily injury, and personal injury protection must be offered.

What coverages are available in Minnesota?

  • Bodily injury liability

  • Property damage liability

  • Uninsured/underinsured motorist bodily injury

  • Personal injury protection

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Safety glass

  • Roadside assistance

What’s the oldest a vehicle can be to get comprehensive and collision coverage in Minnesota?

20 years

How far back does Minnesota go to look at violation history?

3 years

What additional policy types are offered in Minnesota?

Is an insurance score used in my rating in Minnesota? If so, is it mandatory?

Yes, an insurance score is used in Minnesota, but it’s not mandatory.

What policy terms are available in Minnesota?

6 and 12 months

What is the minimum down payment option in Minnesota?

8.33% down with 11 installments for 12-month term.

Are SR22s used in Minnesota? If so, is there a fee?

SR22s are used in Minnesota, filed for free.

What discounts are available in Minnesota?

  • Multi-car

  • Homeowners

  • Prior insurance (transfer)

  • Paid in full

  • Advanced quote

  • Anti-theft device

  • Defensive driver course

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