Minnesota
- ~$40–$55
- ~$115–$140
- $30K/$60K/$10K
Minnesota maintains moderate car insurance costs thanks to a balanced mix of urban and rural driving environments, strong driver safety programs, and a no-fault insurance system. The state experiences lower accident rates relative to the national average, with a high percentage of insured drivers.
Find a local Auto Insurance agents in your town:
Minnesota Auto Insurance Facts *
Drivers
- ~3.5–3.7 million licensed drivers as of 2023.
- ~92% vehicle ownership among households.
- High use of sedans and pickups.
- Uninsured motorist rate near 7%.
- Public transit availability concentrated in Minneapolis-Saint Paul metro.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~40,000 | ~11,500 | 370 |
| 2019 | ~41,200 | ~12,000 | 360 |
| 2020 | ~37,800 | ~10,800 | 355 |
| 2021 | ~39,500 | ~11,200 | 365 |
| 2022 | ~40,100 | ~11,400 | 375 |
Laws & Regulations
- No-fault insurance with mandatory PIP.
- Mandatory uninsured motorist coverage.
- Consumer-friendly regulations.
