Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in Minnesota
Jerry is a free app trusted by 10,224 Minnesota drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
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10 years in journalism
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Best Business Writing (1st)
Average Minnesota car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $381 a month for full coverage. But in Minnesota, Jerry drivers pay:
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$69 to $152 per month for state-mandated minimum coverage.
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$137 to $333 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Minnesotans save an average of $898 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
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.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. Here are some full coverage rates that Jerry drivers in Minnesota have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Minnesota’s brutal winters, heavy snowfall, and spring flooding create significant risks for homeowners, while severe thunderstorms and hail add summer exposure. Bundling your home and auto insurance is one of the most practical ways to manage those costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Minnesota drivers are paying with Jerry
Comparing quotes from multiple insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Minnesota, it pays to see what’s out there.
That matters in Minnesota, where Minneapolis–St. Paul drivers face metro traffic and higher rates, while those in Greater Minnesota deal with long highway stretches and harsh winter conditions. Hail and severe storms also affect comprehensive costs across the state. Jerry works with Minnesota drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
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:
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$30,000 in bodily injury liability per person.
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$60,000 in bodily injury liability per accident.
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$10,000 in property damage liability per accident.
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$25,000 in uninsured/underinsured motorist coverage per person.
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$50,000 in uninsured/underinsured motorist coverage per accident.
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$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 the stuff you own, 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.
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Coverage definitions
Factors affecting Minnesota car insurance rates in 2026
Winter driving hazards
Minnesota winters bring snow, ice and low-visibility conditions that drive up collision frequency, even for careful drivers. Keep collision coverage active and set a deductible you can realistically afford, so you’re able to use your policy when roads turn dangerous.
Freeze-thaw road damage
Minnesota’s constant freeze-thaw cycle is brutal on pavement, creating potholes and uneven surfaces that punish tires, wheels and suspension. Stay on top of tire condition, and keep collision coverage in place so you’re covered if road conditions lead to an accident.
Deer collisions
Deer strikes spike in fall, especially in rural areas and along two-lane highways outside the metro. Comprehensive coverage is what typically pays for animal collisions, so it’s worth keeping if you do any driving outside Minneapolis-St. Paul.
Twin Cities congestion
Heavier traffic in Minneapolis–St. Paul often means more fender benders, more claims and higher premiums. Safe driving matters, and telematics tools like Jerry DriveShield can help good habits translate into savings.
Uninsured drivers
Roughly one in eight Minnesota drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re covered if the other driver can’t pay after a crash.
No-fault rules and PIP
Minnesota is a no-fault state, meaning your own PIP helps cover injury-related costs after a crash regardless of who caused it. But PIP does not cover vehicle damage. Carry collision coverage so your car gets repaired without relying on the other driver’s insurer.
Average cost of car insurance in major Minnesota cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $249 | |
| $256 | |
| $214 | |
| $155 | |
| $187 | |
| $218 | |
| $240 | |
| $177 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Minnesota quotes in as little as 2 minutes.
Learn more about driving in Minnesota
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Understand how no-fault insurance works in Minnesota.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Minnesota a no-fault state?
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Does Minnesota require personal injury protection (PIP)?
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What happens if I drive without insurance in Minnesota?
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If Minnesota is no-fault, can I still pursue the other driver for damages?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.