Insurance

Minnesota requires all drivers to have auto insurance, which will help pay for medical costs and damage if you’re in a crash. As a new teen driver, you won’t need your own auto insurance coverage until you receive your full license.

Planning ahead: How Can I Help Keep Teen Driver Auto Insurance Costs Down?

  • Keep your grades up. Most insurers offer lower auto insurance rates for students with a “B” or higher grade average.
  • Investigate discounts. Many insurers offer discounts for teen drivers who complete driver’s education or defensive driving courses.
  • Don’t get your own car yet. If you won’t be the main driver for any of your family’s vehicles and can be classified as an occasional driver of one car, you could save your family hundreds of dollars in auto insurance.
  • Practice, practice, practice. Now is the time to drive a lot with your parents under different conditions, so you’ll have fewer surprises (and potential crashes) when you’re driving solo.
  • Partner with your parents. Research shows that teen drivers with more involved parents get fewer tickets and engage in less risky driving. Avoiding tickets and crashes will help keep your auto insurance rates down. Completing a parent-teen driving agreement with your parents can help.

Car Insurance Requirements in Minnesota

All Minnesota drivers are required to have liability insurance at these minimum levels:

  • $40,000 per person per crash for Personal Injury Protection.
  • Auto liability insurance of $30,000 for injuries to one person, $60,000 for injuries to two or more people, and $10,000 for physical damage to the other driver’s vehicle or for damage to property (30/60/10).
  • Uninsured motorist coverage of $25,000 for injuries to one person, and $50,000 for injuries to two or more people.
  • Underinsured motorist coverage of $25,000 for injuries to one person, and $50,000 for injuries to two or more people.

Auto insurance companies in Minnesota determine rates based on factors such as your driving record, how long you’ve been a licensed driver, how much you drive, where you live and what you drive.

Learn more about insurance available through AAA.

  • AAA StartSmart – A series of newsletters that address the challenges teens face when learning to drive.