Teen Driver Insurance in Minnesota: Parent Guide
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
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Minnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Minnesota
The state operates a three-tier graduated driver licensing (GDL) system: learner's permit at age 15, provisional license at 16 after completing 30 hours of supervised driving (10 at night), and full license at 18—or at 17 after holding a provisional license for 12 months crash-free. Minnesota Statutes § 65B.28 mandates that all auto insurers authorized to do business in the state must offer good student discounts to policyholders under age 25 who maintain a B average or equivalent, making this one of the few states where the discount is not carrier-discretionary.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Minnesota
$291–$438/mo
Typical monthly rate in Minnesota, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- The discount is carrier-specific and may expire after 3 years, so parents should confirm annual eligibility with their insurer.
- Participation is voluntary, but programs like Snapshot, Drive Safe & Save, and SmartRide are widely available from major carriers in Minnesota and are particularly effective for teens who drive infrequently or demonstrate cautious habits.
- Vehicle type: Teens driving older, lower-value vehicles with strong safety ratings generate lower premiums than those assigned to newer, high-performance, or luxury vehicles. A 2010 Honda Civic or Toyota Corolla will cost significantly less to insure than a 2020 SUV or any vehicle with a turbocharged engine, even if both are on the same policy.
- Urban vs. rural location: Teen drivers in Minneapolis, St. Paul, and first-ring suburbs like Bloomington or Edina face higher premiums due to traffic density, higher theft rates, and elevated claim frequency.
- Add-to-parent vs. separate policy: Adding a teen to a parent's existing multi-car policy is almost always cheaper than buying a standalone policy. The parent's multi-car, homeowner, and loyalty discounts flow through to the teen driver, and the combined premium—while higher—is far lower than the sum of two separate policies. Separate policies make sense only in rare cases: the teen owns the vehicle outright, the parent has a high-risk driving record, or the teen is financially independent and no longer lives at home.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am
Passengers
no more than 1 passenger younger than 20 first 6 months, then max 3 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers injury and property damage the teen driver causes to others. The parent policyholder is typically named in any lawsuit, so limits should reflect the family's total assets, not just the state minimum.
Collision Coverage
Pays to repair or replace the teen's vehicle after an at-fault crash, minus the deductible. Essential if the vehicle is financed; optional if it's an older paid-off car with limited value.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Minnesota's high deer population and harsh winters make comprehensive claims common, especially in Greater Minnesota.
Uninsured/Underinsured Motorist Coverage
Protects the family if the teen is hit by a driver with no insurance or insufficient coverage. Minnesota requires insurers to offer this, but parents can decline it in writing.
Good Student Discount
Minnesota law mandates that insurers offer this discount to drivers under 25 who maintain a B average (3.0 GPA) or rank in the top 20% of their class. Savings range from 10–20%.
Telematics and Usage-Based Insurance
Programs that monitor driving behavior—braking, speed, time of day, mileage—and offer discounts for safe habits. Particularly effective for teen drivers who can demonstrate cautious driving or low annual mileage.