Coverage and service for the North Star State

While driving in Minnesota, you can enjoy the view along any of the state's 22 scenic byways, which offer a total of 2,948 picturesque miles. If you live in the Land of 10,000 Lakes, we offer a combination of coverage and service to fit your unique journeys. Whether you're navigating the Twin Cities or traversing the Great River Road, USAA can be there for you.

USAA offers Minnesota residents a large combination of car insurance coverages and excellent service.

The average cost of car insurance in Minnesota

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay. In Minnesota, there can be winter storms, forest fires and spring flooding, all of which could affect your car insurance costs.

See note$139 See noteper month

The average monthly cost for all USAA auto policies issued in Minnesota in 2023.See note1

Minnesota coverage requirements and minimums

Minnesota is a no-fault state, which means no matter who caused the accident, your personal injury protection insurance will provide initial coverage for covered medical costs up to your policy limits.

As of Jan. 1, 2024, Minnesota law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $30,000 of bodily injury liability coverage per person

    This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $60,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $10,000 of property damage liability coverage per accident

    This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.

  • Uninsured and Underinsured Motorist Coverage

    Minnesota drivers are required to have uninsured and underinsured motorist coverage. The state requires bodily injury liability minimums of $25,000 per person and $50,000 per accident for both uninsured and underinsured motorist coverage. This helps cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage.

  • $40,000 personal injury protection

    The minimum requirement for personal injury protection (PIP) coverage in Minnesota is $40,000 per person, per accident. This helps cover medical and non-medical expenses for you and your passengers, no matter who's at fault in an accident.

  • Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

    A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

    If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Minnesota

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.