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Minnesota Car Insurance Resources

Minnesota Car Insurance

Car Insurance Rates in MN

^ From 2006 to 2010, Minnesota cities had the 30th highest auto insurance rates in the nation. [2]

Car Insurance in MN by City

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Cars Insured in MN

^ Minnesota ranked 21st of all U.S. states in total auto insurance policies in 2011. [1]

MN Car Insurance

Car Insurance in Minnesota

Car Insurance Liability Requirements in Minnesota

  • Minimum Liability Limits in MN: 30/60/10 [4]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Minnesota

Required Car Insurance Coverage in Minnesota
  • Auto Insurance Coverage Requirements in MN [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Minnesota

  • Insurer Verification of Auto Insurance in MN [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify randomly selected insurance policies upon request.

Minnesota Car Insurance Facts, Estimates & Related Laws

Minnesota Car Insurance Facts

Minnesota Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in MN
    • Minnesota had the 32nd highest auto insurance rates in the nation in 2010. [2]
    • Rates in MN ranked 31st in the nation in 2009. [2]
    • In 2008, MN had the 31st highest rates in the country. [2]
  • Number of Auto Insurance Policies in MN
    • Minnesota ranked 21st in the nation in auto insurance policies in 2011 with a total of 3,837,593. [1]
  • Uninsured Motorist Rate in MN
    • The uninsured motorist rate in MN ranked 26th in the nation in 2009. [3]

Minnesota Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit holders and provisional license holders during the first 12 months after licensing. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Minnesota Automotive Laws

  • Safety Belt Laws in MN
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 7 and younger and more than 57 inches in all seats; 8+ in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 57 inches. [7]
  • Motorcycle Helmet Laws in MN
    • Motorcycle helmets required for 17 and younger. [7]
    • Motorcycle helmet laws in Minnesota cover operators with instructional/learner\'s permits. [7]
  • Driver's License Renewal Cycle in MN
    • Renewal cycle: 4 years [7]

Minnesota Auto & Driver Facts

Minnesota Automotive Facts

Minnesota Auto & Driver Facts
  • Speed Limits in MN
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in MN
    • Minnesota cities collectively ranked 23rd in the nation in total motor fuel consumption in 2011. [9]

Minnesota Licensed Drivers

  • Licensed Drivers in MN [10]
    • Total Drivers: 3,306,139
    • Female: 1,642,549
    • Male: 1,663,590
    • MN has the 24th most drivers in the U.S.
  • Minimum Driving Age in MN [5]
    • Minnesota has a minimum driving age of 15 years.

Minnesota Auto Registrations

  • Auto Registrations in MN [8]
    • Registered Cars: 2,248,879
    • Registered Trucks: 2,402,947
    • Registered Motorcycles: 240,289
    • Total Registrations: 4,909,634
    • Rank: Minnesota ranked 20th in the United States in total auto registrations in 2011.

Additional information about Minnesota

About Minnesota

Minnesota has a population of approximately 5,303,925, which ranks 21st in the U.S. among all states. [6]

MN Car Insurance

More about Minnesota auto insurance

For more information about auto insurance in MN, or for additional resources regarding Minnesota car insurance, visit the Minnesota Department of Insurance.

Did you know?

Driving while text messaging is currently banned for all drivers in 41 states and the District of Columbia.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Minnesota Cities