Are you overpaying?

Comparison quotes are the cheapest way to save

Cheap Comparison Quotes Free and Customized

Cheapest Car Insurance in Minnesota

Minnesota, “The Land of 10,000 Lakes”, gets its nickname from the 11,842 lakes within its boundaries. So many bodies of water gives Minnesota its densely forested countryside, prompting the state to preserve over 10 million acres of lush landscape. Fantastic art communities in the Twin Cities, wilderness camping grounds scattered throughout and lakes brimming with boats of all sizes make Minnesota a hot spot for tourists all through the year. With all the sight-seeing traffic, wants to keep Minnesota’s roads safe. This list of useful state car insurance information will help the Minnesota drivers stay protected while enjoying the sights and sounds of their state.


With hot summers and cold winters, Minnesota’s seasons change dramatically. Insurance laws and regulations can be much the same way, and this list of important Minnesota car facts can help keep out in front of the change.

Minimum Requirements for Car Insurance in Minnesota

  • To operate a vehicle in Minnesota, a driver must carry liability, personal injury protection, uninsured and underinsured motorists coverage.
  • Liability Coverage minimums:
    • $30,000 per individual to cover bodily injury or death.
    • $60,000 per accident involving bodily injuries or deaths.
    • $10,000 for property damage.
  • Personal Injury Protection minimums:
    • $40,000 per person
  • Uninsured/Underinsured Motorists minimums:
    • $25,000 per person
    • $50,000 per accident involving multiple parties

Failure to maintain proper insurance can result in fines and vehicle impounds.

New Driver Licensing Requirements:

  • All drivers in Minnesota must have a valid drivers license to operate a vehicle in the state. Drivers new to Minnesota who hold a valid out-of-state license must pass the vision and knowledge tests to obtain a state license. New drivers 18 years of age and over must pass the vision and knowledge tests, obtain an instructional permit and pass the road test.
  • If a new driver is under the age of 18, he/she must participate in the Graduated Driver’s License Program (GDL). Outlined in the Minnesota Driver’s Manual, this program allows the minor to practice driving prior to applying for a full license. The GDL consists of an Instruction Permit and a Provisional License prior to the Regular Class D License:
    • Instruction Permit. This permit is valid for 2 years, and the applicant must be at least 15 years of age. During this phase, the following applies:
      • Complete 30 hours of Driver Education classroom and driving instruction. 10 of these hours must include night driving. This requirement does not apply to applicants 18 and older.
      • Pass the vision and knowledge tests
      • If under 18, applicant must be accompanied by a licensed driver age 18 or older
      • All occupants of the applicant’s vehicle must wear seat belts
      • Hold the permit for at least 6 months
    • Provisional License To apply for the provisional license, the applicant must be at least 16 years of age and have completed the Permit Phase. The following applies in this stage:
      • Pass the road test
      • Cell phone use is prohibited
      • During the first 6 months, the applicant may not carry any passengers under the age of 20 and may not drive between 12 am and 5 am unless:
        • accompanied by a licensed driver age 25 or older
        • driving between home, work and/or school
      • During the second 6 months, no more than 3 passengers under the age of 20 may accompany the driver.
      • The applicant must hold the license for at least 12 consecutive months.
  • Regular Class D License. To hold a Class D License, the applicant must complete the previous phases, and the following applies:
    • Must be at least 18 years of age
    • Must maintain a clean driving record
  • Vision Exam. To hold an unrestricted license, an applicant’s visual acuity must be at least 20/40, and they must have a peripheral of at least 105 degrees.
  • Knowledge Test. The knowledge test is an evaluation of the applicant’s understanding of basic traffic regulations, laws, signs and procedures. Information included in the test can be found in the Minnesota driver’s manual. Upon failing the test, the applicant must wait until the following day to re-take the test.
  • Road Skills Test. The Minnesota Driver’s Manual lists the equipment standards for the vehicle used in the road test. The vehicle must be insured and registered. If the applicant fails 2 road tests, a fee of $20 is charged for each subsequent test. The test administrator will have the applicant perform a variety of tasks including safety equipment demonstration, vehicle control and driving performance. Lists for the items included in the vehicle inspection and for the required maneuvers/knowledge to pass the driving test are included in the driver’s manual.
  • Fees. A new driver’s license has a $25 fee, and an instruction permit has a $14.25 fee.


  • BAC limit: .08 Minnesota’s Department of Public Safety provides the following minimum penalties for DUI convictions in the state:
  • First Offense – misdemeanor:
    • Fine: $1,000 and/or
    • Jail: 90 days
    • License suspension: 90 days. Driver may choose one of the following:
      • 15 days without driving privileges and restriction for the remainder of the 90 days, or
      • Full driving privileges remain with the use of an Ignition Interlock Device (IID)
  • Second Offense – misdemeanor:
    • Fine: $1,000 and/or
    • Jail: 90 days
    • License revocation: 1 year. Driver may choose:
      • 1 year without driving privileges, or
      • 1 year with the use of an IID
    • License plates impounded
  • Third Offense – gross misdemeanor:
    • Fine: $3,000 and/or
    • Jail: 1 year
    • Vehicle forfeiture
    • Drivers license cancelled
    • IID for minimum 3 years
    • License plates impounded

Fourth and subsequent DUI offenses are charged with a felony. DUI offenses including higher BAC levels, injury collisions and/or minor passengers receive much stricter penalties upon conviction.

Texting & Driving Laws states that Minnesota law prohibits novice and bus drivers from using handheld or hands-free cell phones. Also, texting is banned for all drivers.

Unique Laws

Minnesota cares for its animals, and nothing proves this better than some of its animal-conscious laws. For instance, elephants may not be parked on Main Street in the city of Virginia. Animals may not sleep in bakeries, and, in International Falls, it is illegal for a cat to chase a dog up a telephone pole!


Best Cheap Car Insurance Quotes for Minnesota

Hennepin County Car Insurance

The largest county in Minnesota by population, Hennepin County is also the state's wealthiest. The county seat and largest city in the state, for that matter, is Minneapolis, site of the Festival of Nations each May. Its major economic centers are in Minneapolis and Bloomington, the fourth largest city in the state, only 10 miles from Minneapolis.

Minneapolis is the birthplace of the nation's Better Business Bureau and the site of the first open heart surgery and first bone marrow transplant in the U.S. at the University of Minnesota. Bloomington's Mall of America is the largest in the U.S., the size of 78 football fields, or 9.5 million square feet. In nearby Edina, the Southdale Mall was the first enclosed climate-controlled mall in America.

County Sedan Suv Coupe Truck Hybrid

Ramsey County Car Insurance

Adjacent to Hennepin County, Ramsey County encompasses St. Paul, the state capital and second most populated after its twin city of Minneapolis. Home to an estimated 301,000, St. Paul is also the county seat. Ramsay County is the smallest county by land, and also the most densely populated in Minnesota.

The Science Museum of Minnesota, Como Park Zoo and Conservatory, Cathedral of St. Paul and Minnesota History Center are popular stops for visitors. Just north of Saint Paul, the suburban City of Roseville is where the first Target store opened in 1962. Roseville also boasts the first Barnes & Noble bookstore to set up shop outside New York City, and is home to the John Rose Oval, the largest outdoor artificial slab of ice in North America.

County Sedan Suv Coupe Truck Hybrid

Dakota County Car Insurance

Named for the Dakota Sioux tribes that settled there, Dakota County is home to many commuters from nearby Minneapolis and St. Paul, but also has industry and jobs that expanded from the twin cities. The Mississippi River, which separates the county from St. Paul to the north, forms a portion of its northern county line.

The county seat is Hastings, which has the second oldest surviving county courthouse in the state, completed in 1871 and now serving as City Hall. Dakota County's largest city is Eagan, a commuter town that was once headquarters of Northwest Airlines until it merged with Delta in 2010.

County Sedan Suv Coupe Truck Hybrid

Anoka County Car Insurance

Encompassing Minneapolis' northern suburbs, Anoka County stretches northward up State Highway 65. The county seat is the City of Anoka, known for hosting one of the first Halloween parades in 1920. Now billing itself as the "Halloween Capital of the World," the city hosts several parades each October.

The largest city in Anoka County is Coon Rapids, headquarters of the medical device manufacturer RMS Co. The 1,700-acre Bunker Hills Regional Park, which includes the popular Bunker Beach Water Park, is owned by the Anoka County Parks and Recreation Department.

County Sedan Suv Coupe Truck Hybrid

Washington County Car Insurance

Washington County is sandwiched between St. Paul to the west and Wisconsin to the east. Home to an estimated 252,000, the county's population expanded along with the suburban growth from St. Paul. Sillwater, the county seat, is located on the St. Croix River just across from Wisconsin.

Movies shot at least partially in Stillwater include "Grumpy Old Men," "Overnight Delivery" and "The Unearthing." The small city of Landfall on Interstate 94 is one of only two incorporated cities in the U.S. Comprised mostly of manufactured housing, formed from a mobile home community that incorporated in 1959.

County Sedan Suv Coupe Truck Hybrid

St. Louis County Car Insurance

Named for the St. Louis River, St. Louis County is the largest county by land area in Minnesota, occupying 6,860 square miles. Its economy relies on pulpwood, iron mining and tourism. Voyageurs National Park and portions of Superior National Forest and Boundary Waters Canoe Area Wilderness are located within St. Louis County.

The major port city of Duluth is the county seat and home to the Bayfront Blues Festival, the largest outdoor music fest in the Midwest. More than 20,000 fans attend for major artists on two stages. Duluth is also the birthplace of musician Bob Dylan. A smaller city, Hibbing, is located on the edge of the largest open-pit iron mine in the world. Hibbing is the site of the first bus service in the U.S., begun in 1914 by a bus company that grew into Greyhound Lines, Inc. An abandoned bus station has been transformed into the Greyhound Bus Museum.

County Sedan Suv Coupe Truck Hybrid
Saint Louis-----

Stearns County Car Insurance

Heading northwest from Minneapolis, Interstate 94 runs diagonally through Stearns County, a region of rolling hills, lakes and prairies in central Minnesota. St. Cloud, the county seat, is home to roughly 68,000.

The Stearns County Park System includes Quarry Park, an unusual public park with 20 granite quarries located among the hike, bike and ski trails. The 1989 movie, "Catch Me If You Can," was shot in St. Cloud. Also in Stearns County, the small town of Sauk Centre is the birthplace of Sinclair Lewis, novelist and the first American to receive the Nobel Prize in literature.

County Sedan Suv Coupe Truck Hybrid

Olmsted County Car Insurance

Centered around the county seat of Rochester, Olmsted County is one of only four Minnesota counties that doesn't have any natural lakes. Instead, it has six man-made reservoirs. The largest city in the county, Rochester lies on the south fork of the Zumbro River, home to an estimated 107,000.

Rochester is the site of the world-renowned Mayo Clinic, noted for advances in medicine. The Mayo Clinic employs more than 63,000 and draws more than 2 million to the area annually. Known for its large parks system, Rochester maintains more than 80 miles of paved hike and bike trails. Popular stops for visitors are the Quarry Hill Nature Center, The Plummer Building - Mayo Clinic Historical Suite and the Plummer House.

County Sedan Suv Coupe Truck Hybrid

Scott County Car Insurance

One of the fastest-growing counties in Minnesota, Scott County is located south of Minneapolis, just west of Interstate 35. The county had a population of nearly 130,000 at the 2010 census. It is home to the Shakopee-Mdewakanton Indian Reservation, which earns revenues through casinos and a hotel.

The county seat of Shakopee is home to the Minnesota Renaissance Festival, the oldest and largest Renaissance festival in the U.S. With more than 280,000 visitors per year. The fantasy kingdom has more than 800 forms of entertainment, medieval craft and food vendors.

County Sedan Suv Coupe Truck Hybrid

Wright County Car Insurance

The northwest suburbs of Minneapolis, Wright County is home to approximately 125,000. Its 716 square miles encompasses farmland, rivers and lakes, with more than 60 percent of the land classified as agriculture. Its proximity to the Minneapolis-St. Paul metro area makes it one of the fastest-growing counties in the state, however.

The county seat is Buffalo, a city of 16,000 located about 40 miles northwest of Minneapolis. It is a popular weekend getaway, with a mix of eclectic shopping and recreational lakes. Its historic business district features walking tours of structures built in the 1880s and 1890s, now home to commercial businesses.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Big Stone$866.00$693.00$788.00$847.00$908.00
Blue Earth$847.00$680.00$778.00$817.00$875.00
Crow Wing$1,025.00$818.00$933.00$925.00$1,058.00
Lac Qui Parle$902.00$724.00$823.00$864.00$940.00
Lake Of The Woods$935.00$750.00$850.00$924.00$988.00
Le Sueur$905.00$725.00$828.00$812.00$933.00
Mille Lacs$1,064.00$850.00$965.00$990.00$1,105.00
Otter Tail$910.00$733.00$833.00$830.00$954.00
Red Lake$892.00$717.00$811.00$882.00$944.00
St. Louis$947.00$766.00$874.00$908.00$985.00
Yellow Medicine$863.00$689.00$786.00$838.00$899.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums points out that Minnesota’s average auto insurance premiums are below the national average, and the state’s premiums as a percentage of income have bounced up slightly after hitting an all-time low in 2007.

Drunk Driving Fatalities

Although the National Highway Traffic Safety Administration recorded Minnesota’s drunk driving fatalities above the national average in 2010, the state has since improved its numbers and dropped below the national average. In 2014, Minnesota’s percentage had decreased to about 29 percent, slightly below the nation’s percentage.

Vehicular Theft in Minnesota

Far below the national average, the FBI rate of vehicle thefts in Minnesota rose slightly in 2012 and 2014. The national average dropped a bit to about 220.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversTravelers
Young driversTravelers
Drivers with an at-fault crashWestern National
Drivers with poor creditTravelers
Retired driversAmerican Family


State Department of Insurance

Minnesota Department of Commerce and Insurance
85 Seventh Place East
St. Paul, MN 55101
Get Directions

Department of Transportation

Minnesota Department of Transportation
395 John Ireland Blvd.
St. Paul, MN 55155-1899
(651) 296-3000
Get Directions

Department of Motor Vehicles

Minnesota Department of Public Safety
Driver and Vehicle Services
445 Minnesota St., Suite 190 Town Square Building
St. Paul, MN 55101-5190
(651) 215-1328
Get Directions

See rates for these popular cities