Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 29, 2020

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Minnesota Statistics SummaryDetails
Miles of Roadway57,395
Registered Vehicles4,985,782
Population5,611,179
Most Popular VehicleFord F-150
Uninsured Motorist Rate11.5%
Total Driving-Related Deaths in 2017357
Speeding Fatalities in 201789
DUI Fatalities in 201785
Average Annual Auto Insurance CostLiability $456.82
Collision $234.40
Comprehensive $184.27
Cheapest ProviderAMCO
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Minnesota is the northernmost state in the contiguous United States, and as such, is known to have some brutally cold winters with heavy amounts of snowfall.

But the people in the land that birthed legends like the Purple People Eaters defensive line of the Minnesota Vikings and the incomparable Prince Rogers Nelson have never been deterred by a little inclement weather.

In fact, the residents of the Land of 10,000 Lakes embrace their winter wonderland with pride, refusing to let the low temperatures derail their enjoyment of the many attractions the vast land has to offer.

From the heralded food scene in Minneapolis and the surrounding area (highlighted by eclectic entrees and ambiance of The News Room and the mouthwatering milkshakes at Bev’s Cafe) to the breathtaking zip lines at the Kerfoot Canopy Tours to the allure and mystique of the luxurious Paisley Park to the grandeur and prestige of the Mall of America, Minnesota boasts a bunch of exciting opportunities for adventure that cannot be restrained by chilly climate.

Whether you plan on traveling to these Minnesota landmarks in a little, red Corvette, or in some other car, you will want to make sure you have the most affordable auto insurance protecting your vehicle.

Enter your ZIP code to compare premium rates from the top insurance companies in your state.

Minnesota Insurance Coverage and Rates

Shoveling your way through all the numbers and legalese to determine the best auto insurance companies in Minnesota for you is a tedious task.

Thank goodness we’ve done all that work, so you don’t have to. We will give you all the pertinent facts you need to keep your rates as low as the temperatures at Lake Minnetonka in January.

We’ll help you to understand the requirements of Minnesota, what you may want for coverage, and where you can get it at the most affordable price.

Minnesota Minimum Coverage

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Even though Minnesota is one of a handful of states that is a no-fault state, meaning that both parties in an auto accident are subject to receive benefits from their own insurance companies no matter who caused the crash, it requires its motorists to carry all of the following: bodily injury and property damage liability insurance, personal injury protection (PIP), and both uninsured and underinsured motorist coverage (UM and UIM).

All drivers in Minnesota are required to carry minimum liability insurance levels of 30/60/10 to satisfy basic overage. This means that car owners must carry the following state minimums for car insurance in Minnesota:

  • $30,000 for bodily injury or death of one person in an accident caused by the owner of the insured vehicle
  • $60,000 for total bodily injury or death in an accident caused by the owner of the insured vehicle
  • $10,000 for property damage per accident caused by the owner of the insured vehicle

The state of Minnesota requires its residents to carry the following limits for uninsured and underinsured motorist coverage:

  • $25,000 for injury to one person for both UM and UIM
  • $50,000 for injury to more than one person for UM and UIM

Drivers in Minnesota have the option to purchase Medical Payments Coverage (Med Pay) in limits of $1,000 to $5,000 per accident to cover medical expenses (again) regardless of who is responsible for the crash.

Type of CoverageMinimum Limits
Personal Injury Protection (PIP)$40,000 per person per accident. ($20,000 for medical expenses and $20,000 for non-medical expenses)
Bodily Injury Liability$30,000 per person
$60,000 for two or more people (per incident)
Property Damage Liability$10,000
Uninsured Motorist Bodily Injury$25,000 per person
$50,000 for two or more people (per incident)
Underinsured Motorist Bodily Injury$25,000 per person
$50,000 for two or more people (per incident)
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Every driver must decide for herself or himself how much risk she or he is willing to assume. Each driver must do a cost-benefit analysis to decide whether the basic, legal minimums required by the state of Minnesota is enough to protect her or his current and future assets.

The experts at the Wall Street Journal advise drivers that have substantial wealth to protect to purchase liability coverage with increased the limits of 100/300/50.

Next, we will explore how much money drivers in Minnesota spend on average for their auto insurance. The amount you will actually pay will more than likely differ from these stated amounts; however, this data should serve as a helpful blueprint that you can apply to your current situation with confidence.

Premiums as a Percentage of Income

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Late-night host and comedian Jimmy Kimmel joked, “Nobody likes taxes, but they’ve been around forever. Taxes date back all the way back to the year one when Baby Jesus was visited by two wise men and an IRS agent, who demanded half the family’s frankincense.”

This lighthearted quip highlights the major impact that taxes have on Disposable Personal Income (DPI). Your DPI is the amount that is retained by an individual or household after taxes are taken out.

STATEFull Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
Minnesota$856.62$42,516.00 2.01%$823.70$40,905.00 2.01%$800.24$41,491.00 1.93%
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A full-coverage policy will include liability, comprehensive, and collision insurance. Here’s a peek at the average cost of each individual element:

Coverage TypeMinnesota AverageNational Average
Liability$456.82$538.73
Collision$234.40$322.61
Comprehensive$184.27$148.04
Full$875.49$1009.38
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Now that we have sorted through some data about auto insurance costs to the individual consumer, let’s take a look at some important statistics about the insurance companies themselves.

Loss Ratio

First, let’s examine loss ratio and how it impacts your insurance. What exactly is a loss ratio? How is it calculated and why should you even care about it?

The insurance loss ratio is the proportion of incurred losses compared to earned premiums expressed as a percentage. A high loss ratio means that an insurance company has paid out too many claims, which will subsequently lead to a rise in future premiums for all consumers.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $57,200 in claims, the company’s loss ratio is 57.2 percent ($57,200 incurred losses/$100,000 earned premiums).

Add-ons, Endorsements, Riders

Over 11 percent of drivers in Minnesota (11.5 percent to be exact) are driving without insurance, which ranks as just the 27th highest percentage in the nation.

The State of Minnesota Department of Public Safety (DPS) has created a consumer’s guide intended to help Minnesotans gain a stronger understanding of auto insurance in the state and all of the potential enhancements available to them.

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Pay-by-the-mile auto insurance plans offered by companies like Metromile are growing in their popularity, unfortunately, they are not yet active in the North Star State.

Other Usage-Based Insurance programs (UBI) are active and available to drivers in Minnesota. Programs like Drivewise from Allstate or KnowYourDrive from American Family Auto or Drive Safe & Save from State Farm offer discounts to drivers based on their driving habits and capabilities.

In addition to these add-ons, there are several more optional enhancements that you can explore to decide which ones may be right for you:

Average Auto Insurance Rates by Age & Gender in MN

Babes in Toyland is a highly influential, all-female punk rock band from Minnesota who is lauded for pioneering a brand of rock and roll that was “strongly female-oriented, but not necessarily feminist.”

When it comes to prominent punk rock bands of the nineties, Babes in Toyland plays second fiddle (or better yet, the second bass) to no other band, male or female. The impact and longevity of the sound created initially by Kat Bjelland, Lori Barbero, and Maureen Herman was not at all adversely affected by their gender.

But can the same thing be said about their gender and effect it has on the auto insurance rates they would receive? Let’s examine the chart and table below to find out.

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CompanySingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual RateMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual Rate
Allstate Indemnity$6,885.00$9,968.67$3,677.99$3,860.95$3,023.30$3,023.30$2,908.43$2,908.43
AMCO Insurance$5,210.96$6,308.92$2,375.80$2,463.90$2,017.55$2,020.31$1,797.28$1,903.55
American Family Mutual$6,086.73$8,812.61$2,233.79$2,519.05$2,233.79$2,233.79$2,025.26$2,025.26
Geico General$5,545.67$7,047.50$2,494.27$2,579.67$2,661.52$2,641.10$2,544.82$2,473.72
Illinois Farmers Ins$5,820.43$5,872.48$2,672.81$2,612.21$2,041.64$2,038.65$1,965.24$2,076.17
Liberty Mutual Fire$18,911.44$28,385.86$9,604.65$13,376.94$9,604.65$9,604.65$9,510.34$9,510.34
State Farm Mutual Auto$3,334.79$4,106.75$1,786.56$1,474.15$1,542.45$1,542.45$1,374.37$1,374.37
USAA CIC$5,042.84$5,519.17$2,473.98$2,629.95$1,895.96$1,879.44$1,726.56$1,724.94
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Here’s a look at the Most Expensive Demographic rates in Minnesota. With which company can you and your family find the best value?

10 Most Expensive Auto Insurance Rates by Company and Demographics
RankCompaniesDemographicAverage Annual Rate
1Liberty Mutual FireSingle 17-year old male$28,385.86
2Liberty Mutual FireSingle 17-year old female$18,911.44
3Liberty Mutual FireSingle 25-year old male$13,376.94
4Allstate IndemnitySingle 17-year old male$9,968.67
5Liberty Mutual FireSingle 25-year old female$9,604.65
5Liberty Mutual FireMarried 35-year old male$9,604.65
5Liberty Mutual FireMarried 35-year old female$9,604.65
8Liberty Mutual FireMarried 60-year old male$9,510.34
8Liberty Mutual FireMarried 60-year old female$9,510.34
10American Family MutualSingle 17-year old male$8,812.61
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For example, a single 25-year-old male in Minnesota will pay $13,376.94 annually on his premiums with Liberty Mutual compared to $2,403.62 with AMCO, which over five times the cost.

Minnesota Insurance Rates by ZIP Code

Here is a chart with the cheapest average annual premiums in Minnesota by ZIP code for each insurance carrier:

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Cheapest ZIP Codes in Minnesota CityAverage Annual Rate by ZIP Codes
56007ALBERT LEA$3,976.80
56088TRUMAN$3,983.87
56120BUTTERFIELD$4,009.53
55912AUSTIN$4,009.81
56159MOUNTAIN LAKE$4,014.86
55987WINONA$4,017.60
56039GRANADA$4,018.94
56027ELMORE$4,022.41
56073NEW ULM$4,027.34
56181WELCOME$4,027.96
56062MADELIA$4,029.17
56031FAIRMONT$4,029.28
56127DUNNELL$4,029.53
56087SPRINGFIELD$4,029.60
56054LAFAYETTE$4,032.56
56081SAINT JAMES$4,032.94
56075NORTHROP$4,036.97
56098WINNEBAGO$4,037.01
56019COMFREY$4,041.92
56041HANSKA$4,042.96
56001MANKATO$4,043.78
56085SLEEPY EYE$4,044.59
56036GLENVILLE$4,046.92
56171SHERBURN$4,047.15
56162ORMSBY$4,048.38
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Where did your hometown rank statewide? Let’s take an even more in-depth look as to how your city and neighborhood compare to the state average.

This is a list of the most expensive ZIP codes in Minnesota compared to the state average.

Most Expensive ZIP Codes in Minnesota CityAverage Annual Rate by ZIP Code
55411MINNEAPOLIS$6,620.56
55106SAINT PAUL$6,563.33
55101SAINT PAUL$6,547.31
55103SAINT PAUL$6,520.89
55404MINNEAPOLIS$6,491.18
55412MINNEAPOLIS$6,434.63
55107SAINT PAUL$6,404.50
55454MINNEAPOLIS$6,394.17
55415MINNEAPOLIS$6,385.64
55407MINNEAPOLIS$6,382.20
55408MINNEAPOLIS$6,370.83
55402MINNEAPOLIS$6,353.00
55455MINNEAPOLIS$6,349.43
55104SAINT PAUL$6,339.29
55405MINNEAPOLIS$6,320.72
55406MINNEAPOLIS$6,257.62
55414MINNEAPOLIS$6,254.15
55403MINNEAPOLIS$6,252.05
55413MINNEAPOLIS$6,248.33
55401MINNEAPOLIS$6,221.83
55114SAINT PAUL$6,200.17
55102SAINT PAUL$6,187.71
55409MINNEAPOLIS$6,109.20
55130SAINT PAUL$5,798.28
55450MINNEAPOLIS$5,758.23
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Minnesota Insurance Rates by City

Are you more likely to get lower auto insurance rates in St. Paul or Minneapolis? Do the citizens of Duluth enjoy lower premiums than residents in St. Cloud?

Let’s find out by taking a look at the most affordable cities in Minnesota to purchase auto insurance.

Cheapest Cities in Minnesota Average Annual Rate by City
Albert Lea$3,976.80
Truman$3,983.87
Butterfield$4,009.53
Austin$4,009.81
Mountain Lake$4,014.86
Goodview$4,017.60
Granada$4,018.95
Elmore$4,022.41
New Ulm$4,027.34
Welcome$4,027.96
Madelia$4,029.17
Fairmont$4,029.28
Dunnell$4,029.53
Springfield$4,029.60
Lafayette$4,032.56
St. James$4,032.94
Northrop$4,036.97
Winnebago$4,037.01
Comfrey$4,041.92
Hanska$4,042.96
Sleepy Eye$4,044.59
Glenville$4,046.92
Sherburn$4,047.15
Ormsby$4,048.38
Lewisville$4,051.00
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The next list has the most expensive auto insurance rates in Minnesota.

Most Expensive Cities in Minnesota Average Annual Rate by City
Minneapolis$6,106.69
St. Paul$5,972.08
Little Canada$5,397.29
Brooklyn Center$5,250.46
Falcon Heights$5,110.86
Columbia Heights$5,103.52
Maplewood$5,061.15
Waskish$5,023.66
St. Francis$5,003.38
Martin Lake$5,003.33
Richfield$5,002.58
Lake George$4,999.75
South St. Paul$4,994.42
Columbus$4,992.05
Bethel$4,984.06
East Bethel$4,978.05
Fridley$4,971.65
Almelund$4,966.16
Isanti$4,955.17
Garrison$4,948.90
Andover$4,946.23
Grandy$4,945.76
Swatara$4,945.15
Taylors Falls$4,943.22
Centerville$4,940.45
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Minnesota Auto Insurance Companies

In 1998, the Minnesota Vikings selected Randy Moss with the 21st pick in the NFL Draft. The eventual Hall of Fame wide receiver’s physical gifts on the football field were NEVER in question; however, his draft stock suffered from having a poor reputation (fair or unfair) for being an immature malcontent on and off the gridiron.

In the case of Randy Moss, the Vikings benefited greatly from Moss’s poor reputation and his downgraded public perception. However, this is an anomaly; the exception, not the rule. Generally speaking, consumers should be hesitant in investing assets with any entity whose status has been so severely sullied.

That train of thinking should be applied to auto insurance companies as well. An insurer’s public reputation can be an indicator of the kind of rates and service it offers to its consumers. We’ll show how the largest companies rate in the areas of financial stability and customer satisfaction.

Financial Ratings

AM Best is a credit rating agency. It evaluates insurance companies and grades them based on their financial stability. The table below shows the ten largest insurance companies in Minnesota as measured by direct premiums written with their AM Best rating.

Company NameAM Best RatingLoss Ratio
State Farm GroupA++65.52%
Progressive GroupA+62.53%
American Family Insurance GroupA62.97%
Farmers Insurance GroupA56.43%
Allstate Insurance GroupA+60.51%
GeicoA++74.00%
USAA GroupA++73.57%
Liberty Mutual GroupA60.04%
Travelers GroupA++65.96%
Auto-Owners GroupA++61.26%
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Customer Satisfaction Ratings

J.D. Power 2018 Customer Satisfaction Index Ranking of Auto Insurance Companies – Central Region
CompaniesRankingJ.D. Power Circle Rating™
Nationwide8032
Safeco8032
Farm Bureau Mutual8062
Liberty Mutual8062
Travelers8142
Progressive8152
Farmers8213
Allstate8223
American Family8233
State Farm8243
Auto Club of Southern California8334
Geico8384
Auto-Owners Insurance8474
Shelter8555
USAA9065
Central Region8263
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Companies in Minnesota with the Most and Least Complaints

American R&B singer/songwriter/dancer Mila J released a single “No More Complaining,” which tells the story about being in a relationship with someone who doesn’t appreciate you, and always gives excuses to cover up his or her mistakes.

While Mila J may have resigned herself to a no complaints policy, consumers don’t have to remain silent if they feel aggrieved by their insurance companies. If a consumer’s relationship with his or her auto insurance company becomes toxic, the customer should let his or her voice be heard.

When the consumer is left dissatisfied with an insurer, he or she can file a complaint. Those complaints, justified or not, contribute to a company’s complaint ratios.

The complaint ratio is how many complaints a company receives per one million dollars of business written.

If you wish to file a complaint against an auto insurer in the state of Minnesota, use this online form.

Largest Auto Insurance Companies in Minnesota

This chart gives a visual representation of the auto insurance companies with the largest market share in Minnesota.

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Company NameDirect Premiums WrittenMarket Share
Allstate Insurance Group$200,2355.56%
American Family Insurance Group$418,48711.62%
Auto-Owners Group$103,6712.88%
Farmers Insurance Group$212,8045.91%
Geico$129,9873.61%
Liberty Mutual Group$110,6713.07%
Progressive Group$586,35716.27%
State Farm Group$891,08524.73%
Travelers Group$106,2222.95%
USAA Group$110,8953.08%
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There are 855 auto insurance companies registered in the state of Minnesota. Of the 855, 39 of them are homegrown; while 816 are foreign.

Insurers in MinnesotaTotal
Domestic39
Foreign816
Total855
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Minnesota Auto Insurance Rates by Company

Now, we’re going to compare and contrast the top auto insurance companies to see which of them give the best rates on average in Minnesota.

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Minnesota Rates by Carrier and Commute

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Company10-mile Commute/6,000 Annual Mileage25-Mile Commute/12,000 annual mileage
Allstate$4,532.01 $4,532.01
American Family$3,480.06 $3,562.51
Farmers$3,137.45 $3,137.45
Geico$3,452.20 $3,544.87
Liberty Mutual$13,165.37 $13,961.85
Nationwide$2,926.49 $2,926.49
State Farm$2,011.15 $2,122.82
USAA$2,824.14 $2,899.06
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Minnesota Rates by Carrier and Coverage Level

CompanyAnnual Rate with High CoverageAnnual Rate with Medium CoverageAnnual Rate with Low Coverage
Allstate$4,600.41$4,528.59$4,467.02
American Family$3,432.86$3,618.33$3,512.68
Farmers$3,239.56$3,150.22$3,022.58
Geico$3,603.48$3,497.28$3,394.84
Liberty Mutual$13,874.92$13,574.70$13,241.20
Nationwide$3,064.92$2,947.12$2,767.43
State Farm$2,141.38$2,074.23$1,985.35
USAA$2,945.57$2,859.57$2,779.67
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Minnesota Rates by Carrier and Credit History

CompanyAnnual Rate with Good CreditAnnual Rate with Fair CreditAnnual Rate with Poor Credit
Allstate$3,344.12$3,603.11$6,648.80
American Family$2,564.44$3,190.11$4,809.31
Farmers$2,654.85$2,840.59$3,916.92
Geico$2,861.19$3,433.78$4,200.64
Liberty Mutual$9,555.18$12,227.54$18,908.11
Nationwide$2,490.14$2,807.41$3,481.91
State Farm$1,344.22$1,842.99$3,013.76
USAA$1,905.46$2,192.66$4,486.70
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Minnesota Rates by Carrier and Driving Record

Earning points on your license will have a negative impact on your auto insurance rates. How severely those rates are impacted is up to the discretion of each insurance company. Each insurer uses its own underwriting metrics when assessing risk. Here is a quick look at how top auto insurance companies in Minnesota price various driving infractions:

CompanyClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Allstate$3,292.72$4,316.11$4,780.23$5,738.97
American Family$2,367.00$2,682.98$4,259.41$4,775.76
Farmers$2,686.69$3,053.56$3,381.83$3,427.73
Geico$2,318.73$2,484.09$3,691.11$5,500.20
Liberty Mutual$9,956.63$10,738.20$13,646.49$19,913.12
Nationwide$2,322.48$2,753.24$3,083.13$3,547.09
State Farm$1,900.45$2,066.98$2,233.53$2,066.98
USAA$2,126.06$2,531.74$2,706.41$4,082.21
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Minnesota Rates by Carrier and Demographics

CompaniesMarried 60-year-old femaleMarried 60-year-old maleMarried 35-year-old femaleMarried 35-year-old maleSingle 25-year-old femaleSingle 25-year-old maleSingle 17-year-old femaleSingle 17-year-old male
USAA$1,726.56$1,724.94$1,895.96$1,879.44$2,473.98$2,629.95$5,042.84$5,519.17
AMCO$1,753.51$1,860.69$1,970.26$1,978.45$2,312.50$2,403.62$5,026.90$6,105.97
Illinois Farmers$1,965.24$2,076.17$2,041.64$2,038.65$2,672.81$2,612.21$5,820.43$5,872.48
American Family Mutual$2,025.26$2,025.26$2,233.79$2,233.79$2,233.79$2,519.05$6,086.73$8,812.61
Geico$2,544.82$2,473.72$2,661.52$2,641.10$2,494.27$2,579.67$5,545.67$7,047.50
Allstate$2,908.43$2,908.43$3,023.30$3,023.30$3,677.99$3,860.95$6,885.00$9,968.67
Liberty Mutual$9,510.34$9,510.34$9,604.65$9,604.65$9,604.65$13,376.94$18,911.44$28,385.86
State FarmNANANANA$1,786.56NA$3,334.79$4,106.75
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Note: The company you choose for your auto insurance needs should be the best for you and no one else’s.

When buying auto insurance, focus on companies that offer discounts and special rates customized to your personal circumstances.

Shop around between multiple carriers to make sure you’re getting the best deal on your auto insurance.

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Another way to keep your premiums low is to maintain a clean driving record. Having a working knowledge of the traffic laws and obeying them will help your record to stay as spotless as possible. We’ll review the rules of the road in Minnesota to help you keep your record as pure as the driven snow.

Minnesota Laws

Reading through all the state traffic statutes would be hardly the best use of your time. We’ve taken care of it for you by compiling the most important rules and regulations for you to know when driving in Minnesota.

Auto Insurance Laws

State insurance commissioners are afforded lots of leeway and authority to administer laws and regulations on the auto insurance industry in their respective commonwealths.

Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in Minnesota are subject to the regulations set by that state insurance commissioner. Ultimately, all rates and regulations must meet the fair competition standards set by the National Association of Insurance Commissioners (NAIC).

High-Risk Insurance

SR-22 coverage may be required for drivers who have committed serious infractions or have multiple violations, as well as uninsured drivers and others. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.

Windshield Coverage

Minnesota law requires insurance companies to offer no-deductible windshield replacement as part of their comprehensive coverage; however, customers have the option to decline the coverage

The insurance companies can choose aftermarket parts for the windshield and OEM parts for all other repairs. Customers have the option to choose their own repair vendors but may have to pay the difference in quotes.

Read a more detailed summary of Minnesota Windshield Replacement Insurance programs.

Automobile Insurance Fraud in Minnesota

Insurance fraud is the second-largest economic crime in America. Premium rates are raised dramatically by insurance companies and passed on to the consumers in attempts to combat fraud.

There are two classifications of fraud: hard and soft.

  • Hard Fraud – A purposefully fabricated claim or accident
  • Soft Fraud – A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

  • Number of annual miles driven
  • Number of drivers in the household
  • How the vehicle would be used

Insurance fraud is a crime no matter how you slice it. Even the “little, white lie” you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is called known as “rate evasion” and is a $16 billion annual expense to auto insurers.

If you suspect insurance fraud or have been the victim of fraud, you can contact the Minnesota Commerce Department. You can file a complaint with its Commerce Fraud Bureau.

Statute of Limitations

Minnesota’s statute of limitations for filing a claim is two years for personal injury and six years for property damage.

Vehicle Licensing Laws

Minnesota’s Driver and Vehicle Services (DVS), which is a division of the DPS, has an online portal where residents can perform tasks such as renew their registrations and drivers’ licenses, update or change their address, and retrieve their driving history.

Proof of Financial Responsibility

Minnesota’s laws concerning Proof of Financial Responsibility require all drivers to show proof of financial responsibility whenever requested by a law enforcement officer. Failure to provide such proof may result in a citation or fine.

For more information regarding Proof of Financial Responsibility requirements in Minnesota, click here.

Teen Driver Laws

License TypeAge of EligibilityRequirements to ObtainRestrictions
Learners Permit15Enroll in Driver Ed if under 18 and complete classroom portion
Pass written exam
May drive only with parent, guardian, instructor, or licensed driver over 21
Restricted License166 month holding period with permit
Complete 50 hours (40 if parent class is completed) of in-car instruction, 15 of these at night
Pass road test
No driving between midnight-5 a.m.
Only one passenger under 20 for the first six months, three under 20 for the second six months
Full License17Complete 12 months with restricted licenseNone
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The safety of teenage drivers is a top priority of the Minnesota DPS. The Office of Traffic Safety has additional resources and information to assist teenage drivers and their families.

Teen Drunk Driving By The NumbersDetails
Drunk driving arrests of teens in MN (2016)144
Drunk driving arrests of teens, nationwide average (2016)102.82
Under 21 drunk driving fatalities per 100,000 population in MN0.3
Under 21 drunk driving fatalities per 100,000 population nationwide1.2
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Older Driver License Renewal

Minnesota is an equal opportunity issuer when it comes to its license renewal policies. All drivers, regardless of age, must renew their licenses every four years. Drivers of all ages must show proof of adequate vision at every renewal. And no renewals are yet eligible to be done online or through the mail.

License RenewalVision TestRenewal by Mail
Every 4 yearsAt every renewalNo
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New Resident Licensing

New Minnesota residents who are age 18 or older wishing to obtain a Minnesota license must provide proof of residency and/or proof of employment. If you have a valid license from another state, the written and driving skills tests may be waived.

New Minnesota residents must immediately title and register their vehicles at a Secretary of State office and turn in the title from their previous home state, usually within 30 days of becoming a resident.

REAL ID

Minnesota is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by the North Star State is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to fly on a commercial flight or enter a federal facility must have a REAL ID-compliant form of identification.

Rules of the Road

Keep Right and Move Over Laws

Minnesota law requires drivers to keep right if driving slower than the average speed of traffic around you (unless passing or turning left). This means that the left lane should be reserved for passing only.

Minnesota updated its keep right law on August 1st, 2019 to make sure slow drivers keep right.

The Move Over Law in Minnesota is named after Ted Foss in honor of the State Patrol trooper who was killed while on the shoulder of I-90 in Winona in 2000.

The requirements of the law are as follows:

  • When traveling on a road with two or more lanes, drivers must keep over one full lane away from stopped emergency vehicles with flashing lights activated — ambulance, fire, law enforcement, maintenance, construction vehicles, and tow trucks.
  • Reduce speed if unable to safely move over a lane.
  • Failing to take these actions endangers personnel who provide critical and life-saving services. Fines can exceed $100.

Speed Limits

Type of RoadwaySpeed Limit
Rural Interstates70 mph
Urban Interstates65 mph
Other Limited Access Roads65 mph
Other Roads60 mph
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Seat belt Laws

Child safety seat laws in Minnesota are just like any other state. All children ages seven and under and who are less than 57 inches tall must be in a child restraint or booster seat. The laws have no stated preference or requirements for rear seats.

Car Seat Laws

All children are required to wear seat belts in all seats, front and rear.

Safety Laws

Promoting safety and preventing chaos are the ultimate goals of any traffic laws. The Minnesota Department of Transportation (MnDOT) has developed resources and initiatives in the hopes of reducing roadways fatalities and injuries. One such initiative is Minnesota Toward Zero Death, which is the state’s preeminent traffic safety program.

In accordance with the National Highway Traffic Saftey Administration (NHTSA), Minnesota released its most recent Strategic Highway Safety Plan as an additional resource for drivers.

DUI Laws

The Blood-Alcohol Content (BAC) limit in Minnesota is 0.08 percent; the High BAC limit is between 0.16 percent. The DWI (Driving While Impaired) penalties in the state of Minnesota can be found in the underneath table

Type of PenaltyFirst OffenseSecond OffenseThird OffenseFourth OffenseFifth and Subsequent Offenses
License Revocation90 days (180 days if under 21 year old)One yearThird offense on record - Revoked one year
Third offense in 10 years - Cancelled and denied for three years
Fourth offense on record - Cancelled and revoked for three years
Fourth offense in 10 years - Cancelled and revoked for four years
Fifth offense on record - Cancelled and revoked for six years
Fifth in 10 years - Cancelled and revoked for six years
ImprisonmentNo minimum up to 90 daysMandatory 30 days incarceration (48 hours must be served in jail/workhouse) up to one year90 days incarceration (at least 30 days served consecutively in jail/workhouse)90 days up to seven years (at least 30 days served consecutively in local jail/workhouse)One year incarceration (at least 60 days served consecutively in local jail/workhouse)
Fine$1000$3,000$3,000 minimum$14000N/A
Other PenaltiesN/AN/AUnless the maximum bail is imposed, the offender may receive pretrial release from detention if they agree to no alcohol consumption and submit to electronic alcohol monitoring (REAM) with at least daily breath-alcohol testingImpoundment of registration and plates, weekly meeting with probation officer and random substance testing. Must pay the court for these servicesN/A
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Drug-Impaired Driving Laws

At present, Minnesota has no specific marijuana-impaired drugged driving laws.

Distracted Driving Laws

It is illegal to text and drive in Minnesota. Minnesota also has a new hand-held ban in place, effective since August 1st, 2019. This new ban means drivers can only make calls, change music, or get directions by using voice commands.

Enforcement of these distracted driving laws is primary, which means law enforcement can pull over and ticket drivers for breaking the hand-held ban or texting.

Minnesota Can’t-Miss Facts

Here are some interesting nuggets of knowledge about Minnesota, the Land of 10,000 Lakes.

Vehicle Theft in Minnesota

Home is where the heart is, but it’s also where most auto thefts take place. Here is the chart of the top stolen vehicles in the state of Minnesota.

Make/ModelYear of VehicleThefts
Honda Civic1998676
Honda Accord1997524
Chevrolet Pickup (Full Size)1999329
Ford Pickup (Full Size)2005246
Toyota Camry1999214
Honda CR-V1999190
Chevrolet Impala2004171
Dodge Caravan2003143
Toyota Corolla2010109
Acura Integra199695
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As you can see, Japanese-made vehicles are popular targets for car thieves in the state of Minnesota.

Vehicle Theft by City

The table below gives a breakdown of the top cities for auto theft within the state.

Top 10 Minnesota Cities for Vehicle Theft
StateMotor vehicle theft
Duluth222
St. Cloud181
Maplewood169
Brooklyn Park158
Bloomington133
Brooklyn Center111
Burnsville104
Moorhead104
Roseville100
Rochester98
Blaine78
Inver Grove Heights78
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Risky and Harmful Behavior

We’ve compiled a list of all driving-related fatalities in Minnesota. For more information and resources, visit the Minnesota Traffic Facts Cards website.

Fatality by Speeding (County)

Minnesota Counties With Speeding Fatalities (2017)
County2017 Fatalities
Hennepin County15
Ramsey County7
Anoka County6
Pine County5
Stearns County4
Itasca County3
Lake County3
Otter Tail County3
Redwood County3
Scott County3
St. Louis County3
Cass County2
Chisago County2
Clay County2
Dakota County2
Le Sueur County2
Wright County2
Becker County1
Beltrami County1
Benton County1
Carlton County1
Crow Wing County1
Dodge County1
Douglas County1
Freeborn County1
Grant County1
Houston County1
Hubbard County1
Martin County1
Mille Lacs County1
Pennington County1
Polk County1
Sherburne County1
Steele County1
Wabasha County1
Waseca County1
Washington County1
Winona County1
Yellow Medicine County1
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If you’re county didn’t make the list, no one lost their lives because of fast driving.

Fatality by DUI (County)

Minnesota Counties With Alcohol-Related Fatalities (2017)
CountyFatalities
Hennepin County15
Pine County6
Ramsey County5
St. Louis County5
Wright County4
Olmsted County3
Anoka County2
Blue Earth County2
Cass County2
Douglas County2
Itasca County2
Morrison County2
Polk County2
Sherburne County2
Becker County1
Beltrami County1
Benton County1
Carlton County1
Chisago County1
Clearwater County1
Cottonwood County1
Freeborn County1
Grant County1
Isanti County1
Koochiching County1
Le Sueur County1
Lyon County1
Martin County1
Mcleod County1
Meeker County1
Mille Lacs County1
Otter Tail County1
Redwood County1
Rice County1
Stearns County1
Steele County1
Swift County1
Wabasha County1
Waseca County1
Washington County1
Watonwan County1
Yellow Medicine County1
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Counties with no alcohol-related traffic fatalities are omitted from the list.

Fatal Crashes in Top 10 Counties (Five Year Trend)

County20132014201520162017
Hennepin County4234334545
Ramsey County1212181519
Anoka County1216112017
St. Louis County198161916
Stearns County6912513
Dakota County1910112811
Sherburne County4211511
Benton County81729
Pine County749109
Chisago County68468
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Fatality Rates Rural vs. Urban

Roadway Type2008200920102011201220132014201520162017
Rural12411511710011011011211796N/A
Urban424339383939294045N/A
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Fatalities by Person Type

Person TypeNumber of Fatalities
Vehicle Occupants (all seats)254
Pedestrians38
Bicyclist/other Cyclist6
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Fatalities by Type of Crash

Crash TypeFatalities
Total Fatalities (All Crashes)*357
Single Vehicle179
Involving a Large Truck61
Involving Speeding89
Involving a Rollover89
Involving a Roadway Departure181
Involving an Intersection (or Intersection Related)126
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EMS Response Time

Location of CrashTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural2.7011.5538.6249.44
Urban1.236.2527.7735.38
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Transportation

Here are the details of car ownership stats in Minnesota.

Car Ownership

A majority of Minnesota households own two cars.

Commute Time

At 22.4 minutes, drivers in Minnesota have significantly less commute time than the national average of 25.3 minutes. Only 1.89 percent of drivers in Minnesota experience a “super commute” of 90 minutes or more.

According to Inrix, Minneapolis is the 24th most congested city in the United States and ranks 132nd in the world. Drivers in Minneapolis spent 70 hours in congested traffic in 2018.

Commuter Transportation

Almost 80 percent of Minnesotans drive to work alone. Fewer than 10 percent of share driving expenses by carpooling.

You are now all caught up with the most important information regarding Minnesota driving laws and insurance requirements, you’ll never have to shed a tear. You can spend your time laughing about all the money you’ll be saving on auto insurance.

And of course, there is more good news when it comes to Minnesota and driving: Minnesotans were ranked the best drivers in 2018. This affects auto insurance as well. Just enter your ZIP code to let the precipitation of savings begin.