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.

Minnesota Auto Insurance FAQs

  • What is the cheapest car insurance in Minnesota?

    The cheapest car insurance in Minnesota will look different for every driver. Your rate depends on your driving history, the type of vehicle you own, and the coverage you choose. GEICO offers competitive rates and discounts to help you find the right coverage at the right price.

  • What is the average cost of car insurance in Minnesota?

    The cost of car insurance in Minnesota varies based on factors like the type of coverage you select, your vehicle, and your driving record. The best way to know what you’ll pay is to get a free GEICO quote.

  • What is “full coverage” car insurance in Minnesota?

    “Full coverage” isn’t a specific policy you can buy. It’s a general term drivers use to describe a package of protections that usually includes Minnesota’s required car insurance minimums, as well as comprehensive and collision coverage.

Please note:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

For more information, see our GEICO Mobile User Agreement and our Text Messaging Terms and Conditions.