Average Minnesota car insurance prices

The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Minnesota, Jerry drivers pay less:

• $68 to $148 per month for state-mandated minimum coverage.

• $137 to $336 per month for full coverage.

When you put rates next to each other, the savings are easier to find. Over the last 12 months, Jerry has helped Minnesotans save an average of $858 per year on coverage by comparing quotes across insurers.

Jerry helps you shop offers and lock in your Minnesota car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.

Rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Minnesota have recently gotten:

Recent quotes

Bundle home and auto insurance with Jerry

One of the best ways to save on home insurance in Minnesota is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.

But here’s what makes Jerry different: You don’t have to use the same insurer for both.

Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.

What Minnesota drivers are paying with Jerry

Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Minnesota, shopping around helps you find the right fit.

Jerry helps you find quotes from up to 7 trusted insurers in the North Star State, so you get the full picture of what’s available and how much you should be paying.

Here are some of the most recent quotes Jerry has been able to pull for Minnesota drivers looking for different levels of coverage, and how much each one saved.

Recent quotes in Minnesota

Minnesota car insurance coverage requirements

Minnesota drivers have to buy a combination of liability, uninsured motorist and personal injury protection (PIP) coverage before they can legally drive their car. Minimum coverage requirements in this state include:

• $30,000 in bodily injury liability per person.

• $60,000 in bodily injury liability per accident.

• $10,000 in property damage liability per accident.

• $25,000 in uninsured/underinsured motorist coverage per person.

• $50,000 in uninsured/underinsured motorist coverage per accident.

• $40,000 in personal injury protection, or PIP.

Of course, this is just the absolute minimum required if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, you might consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that over 11% of Minnesota drivers are uninsured, so bumping up your uninsured/underinsured motorist (UIM) limits can give you even greater peace of mind.

• Coverage definitions

  Coverage	Definition
  Collision insurance	An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive insurance	An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Bodily injury liability (BI)	Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states.
  Property damage liability (PD)	Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states.
  Personal injury protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical payments	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.
  Uninsured/underinsured motorist coverage (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.

Factors affecting Minnesota car insurance rates in 2026

Average cost of car insurance in major Minnesota cities

Learn more about driving in Minnesota

• Understand how no-fault insurance works in Minnesota.

• Learn about personal injury protection (PIP) insurance.

• Understand the 6 main types of car insurance coverage.

• Find out how much car insurance you need.

• Learn about uninsured motorist coverage and why it matters.