Good news for Minnesota drivers: Jerry’s latest data shows that liability coverage in the North Star State averages about $121 per month. Because Minnesota is a no-fault state, every driver must carry personal injury protection (PIP), which plays a major role in how rates are set across the state. Over the past year we’ve helped 7,459 Minnesotans lower their premiums, and drivers who switch with Jerry save an average of $252 annually without compromising important protection.
Jerry compares quotes from up to 7 trusted insurers in Minnesota to build your policy and secure your best rate in minutes.
Save on Minnesota insurance with Jerry.
What Minnesota drivers are paying right now
Car insurance prices in Minnesota shift with weather patterns, repair costs and claim activity, and no-fault medical coverage adds another layer of variation. Two drivers with the same car and record can still see very different premiums depending on their ZIP code, commute and PIP selections.
Jerry tracks live quotes statewide to show you what drivers are actually paying today. Here are some recent full coverage policies Minnesotans purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates occasionally. In Minnesota, everything from early-season snow to minor updates in your driving profile can move your premium by the time renewal comes around.
4 top ways Jerry helps Minnesota drivers save on car insurance
Saving on car insurance in Minnesota isn’t just about choosing the lowest number. It’s about understanding what drives your rate, especially under Minnesota’s no-fault system, and adjusting what you can without giving up meaningful protection.
Jerry makes this simple by comparing real quotes, surfacing discounts you may not know you qualify for and showing exactly where you can save.
Here are our top tips to help you spend less and worry less.
| How to save | Average Minnesota driver savings |
|---|---|
| Compare quotes | 56% to 89% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid coverage lapses | 34% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Minnesota’s driving environment is a mix of dense metro traffic, rural county roads, freezing winters and unpredictable freeze–thaw cycles that lead to costly pothole repairs. Insurers weigh these risks differently, which is why premiums swing so widely from one company to the next.
Comparing rates side by side with Jerry is the fastest way to avoid overpaying.
Here’s where Minnesota drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Minnesota drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Drivers in Minneapolis and St. Paul often pay more because of higher claim frequency, while rates in places like Duluth or Mankato can look different even with similar profiles. Jerry helps you see these differences in seconds.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Minnesota drivers qualify for more discounts than they realize, like safe-driver incentives, bundled home and auto, paperless billing, good-student savings and anti-theft device discounts (especially useful in areas with higher vehicle theft). But insurers don’t automatically apply everything you’re eligible for.
Jerry finds the discounts that match your profile so savings don’t slip by.
Key takeaway: Stacking discounts often delivers more savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Minnesota’s winters mean icy roads, sudden whiteouts and deer collisions are common, so choosing the right deductible is key. Raising it can lower your premium, but only if it’s an amount you can genuinely afford after a claim.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Check your vehicle’s value (Jerry updates this automatically each month).
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Choose an amount you can cover out-of-pocket without stress.
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Compare real-time pricing across deductible levels.
The Jerry difference: You’ll see instant savings for multiple deductible options, making it simple to pick the best balance of risk and cost.
Jerry Agent Tip 4: Avoid a coverage lapse
Minnesota doesn’t go easy on drivers who let their car insurance lapse. Jerry data shows that even a small gap in coverage can increase premiums by 34% on average when you restart a policy. The gap in coverage itself is treated as a risk factor, regardless of whether the car was parked or on the road.
The best long-term savings strategy is to maintain continuous coverage. Once your risk profile improves and better prices become available, Jerry helps you shop your policy again so you capture savings as soon as they’re available.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Minnesota requires 30/60/10 liability coverage and personal injury protection (PIP) under its no-fault system, but many drivers choose higher limits or add-on protections to cover winter risks, rural driving or higher-value vehicles. Here are the coverage tiers you’ll see when shopping:
Minimum
$66 – $143/mo
Meets state liability requirements and PIP but won’t protect your own car.
Standard
$136 – $326/mo
Builds on full coverage with stronger limits or medpay protection for drivers.
Preferred
$134 – $304/mo
Higher liability limits, lower deductibles and extras like towing or rental mean premium protection.
Key takeaway: Begin with your comfort around risk and your car’s value. Jerry shows real-time pricing for each coverage level so you can choose confidently.
The cheapest Minnesota policy is liability plus PIP, but adding comprehensive and collision is often worth it in a state where weather and wildlife can take a toll.
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Coverage definitions
Minnesota insurance factors at a glance
Minnesota’s mix of Metro-area congestion and harsh northern winters shapes what you pay for car insurance more than most drivers realize. Rates reflect everything from high repair costs in the Twin Cities to the state’s nation-leading freeze–thaw cycles that increase crash frequency.
Winter weather
Snow, ice and whiteout conditions lead to frequent collisions.
Wildlife collisions
Deer strikes spike each fall, especially in rural counties, which falls under comprehensive coverage.
Metro congestion
Higher claim frequency in Minneapolis–St. Paul raises premiums for all drivers.
Uninsured drivers
About 1 in 8 Minnesota drivers is uninsured, making UM/UIM essential.
Minnesota Insurance After a Ticket, Accident or SR-22
Jerry ensures one mistake doesn’t define your rate forever, so we partner with insurers that consider more than just your latest violation. As your record improves, we also help you shop for better rates so you always find the best options for you.
If you got a ticket
Speeding, distracted driving and other violations add points to your Minnesota driving record and stay there for years. Premiums rise quickly after a single ticket, often for many years, but completing an approved driving course may help reduce the impact.
We’ll monitor your driving record if you sign up in the Jerry app. Once the violation clears, Jerry helps you find your lowest available prices.
Here are the average rate increases we’ve seen for Minnesota drivers after a ticket:
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Speeding under 15: 22%
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Speeding over 15: 6%
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Failure to obey traffic sign: 17%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Minnesota uses a mix of no-fault medical coverage and at-fault property damage rules. An at-fault accident raises premiums by 22% on average and the increase can last three to five years. Jerry helps you secure your best available price immediately and revisits your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| At Fault With Injury | $180 |
| Not At Fault | $319 |
| At Fault With No Injury | $343 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
DUI penalties are steep in Minnesota, with sharp insurance increases that linger for years. Expect your premium to rise by 36% on average, though some insurers offer more manageable high-risk pricing.
Jerry identifies those carriers now, then helps you re-shop your policy as your record improves.
Here are the five cheapest insurers for Minnesota drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $256 | Yes | |
| $260 | Yes | |
| $289 | Yes | |
| $373 | Yes | |
| $396 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Minnesota
You may need an SR-22 after certain violations or suspensions. Select the SR-22 option in the Jerry app to see only insurers that handle the filing. Most charge around $25 per year for processing.
Car Insurance with Bad Credit
Minnesota allows insurers to use a credit-based insurance score when setting auto rates, but it’s only one piece of the puzzle. Companies still weigh your driving record, claims history, vehicle, mileage and coverage choices heavily, and they can’t use credit information alone to deny you a policy.
If your credit isn’t perfect, there’s still plenty you can do to keep costs down: maintain continuous coverage, avoid tickets or accidents and choose deductibles and limits that make sense for your budget. Jerry makes it easy to compare quotes side by side so you can see which insurers are more forgiving on credit and where you can save the most.
Average rates in Minnesota by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Minnesota’s blend of icy winters, rural expanses and dense Twin Cities traffic means there’s not a single cheapest policy for everyone. The best coverage is the one built for how and where you drive.
Jerry makes it easy to compare real rates and customize your protection. We also monitor rates and your renewal schedule, helping you shop for even better pricing whenever you qualify.
Get Minnesota coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
