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.
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.
