Fair car insurance in Minnesota
From Moorhead to Minneapolis and Duluth to Rochester, good drivers in Minnesota can get the cheap auto insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.
How it works
Car insurance rates are traditionally based on demographics—things like age, credit score, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price auto insurance.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements in Minnesota
What are the minimum auto insurance requirements in Minnesota?
To legally operate a vehicle in Minnesota, you must carry Personal Injury Protection (no-fault insurance), Liability insurance, and Uninsured/Underinsured Motorist coverage. If you are found driving without these, you may face fines and suspension of your driver’s license.
Personal Injury Protection (PIP)
No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted.
Minimum PIP coverage Minnesota drivers must carry:
$20,00 for medical expenses (per person)
$20,00 for non-medical expenses (per person)
Liability coverage
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.
Minimum required Liability coverage in MN:
$30,000 Bodily Injury (per person)
$60,000 Bodily Injury (per accident – multiple people injured)
$10,000 Property Damage
You can always select higher limits if you’d like more coverage.
Uninsured/Underinsured Motorist coverage (UM/UIM)
UM/UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.
Car insurance companies are required to offer this coverage as part of your policy.
Minimum required Uninsured/Underinsured Motorist coverage in MN:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
Again, you can always opt for higher limits if you want more coverage.
What other coverages does Root offer in Minnesota?
Collision
Rental Car coverage
Personal Injury Protection
Comprehensive
(including glass coverage)
Roadside Assistance
Is Minnesota auto insurance cheap?
The average Minnesotan pays $1,911 [1] per year for their auto policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root thinks better drivers deserve better rates. Root customers could save $900 a year—all while enjoying fair and simple car insurance.
Start saving on car insurance
Get a car insurance quote based primarily on how you drive. You could save hundreds.