Minnesota Car Insurance
Need to get a Minnesota car insurance quote? Whether you’re navigating the city streets of Minneapolis or exploring rural byways in the Chippewa National Forest, the right auto insurance coverage keeps you protected across every mile of the North Star State. See how easy it is to start a MN car insurance quote with GEICO today.
Minimum Car Insurance Requirements in Minnesota
Minnesota requires the following minimum coverages on your car insurance:
| Coverage Type | Minimum Required Limit |
|---|---|
| Bodily Injury Liability | $30,000 per person and $60,000 per accident |
| Property Damage Liability | $10,000 per accident |
| Personal Injury Protection (PIP) | $40,000 per person |
| Uninsured Motorist Coverage* | $25,000 per person and $50,000 per accident |
| Underinsured Motorist Coverage | $25,000 per person and $50,000 per accident |
* Uninsured Motorist Coverage can be waived in writing
While these are the minimum coverages the state requires you to have, everyone's insurance needs for car insurance in MN are unique. Use our Coverage Calculator to determine how much coverage you need.
Minnesota Car Insurance Discounts
GEICO provides a variety of car insurance discounts and reward programs that can help Minnesota drivers lower their premiums, including:
| Discount | Details |
|---|---|
| Multi-Vehicle Discount | Insure more than one vehicle with GEICO and save on your Minnesota auto insurance premium. |
| Good Driver Discount | MN drivers who maintain a clean driving record may be rewarded with lower rates. |
| Good Student Discount | Full-time students who maintain a “B” average or better can qualify for savings. |
| Military Discount | Active-duty military, veterans, and members of the National Guard or Reserves are eligible for special savings. |
| Vehicle Equipment Discount | Vehicles equipped with certain features may earn policyholders additional savings. |
| Multi-Policy Discount | Bundle your GEICO auto coverage with another policy, like homeowners or renters insurance, to save more. |
| DriveEasy* Program | Participate in the DriveEasy program through the GEICO Mobile app and get rewarded for safe driving habits. |
| Pay-in-Full: | Save by paying your premium upfront, eliminating installment fees and administrative costs. |
| Auto Pay | When you enroll in automatic payments, GEICO rewards your convenience with a discount, and you won’t have to worry about missing a payment. |
| Early Shopper | If you purchase a new policy before your current one expires, you may qualify for a discount—the earlier you switch, the more you could save. |
