Teen Driver Insurance in Minnesota: Parents' 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
State Requirements
The state operates a three-stage graduated licensing system: teens can obtain a learner's permit at 15, advance to an intermediate license at 16 after completing 30 hours of supervised driving (including 10 hours at night), and earn a full license at 17 after 12 months violation-free intermediate driving. Minnesota Statute 65B.28 mandates that insurers offer good student discounts to students under age 25 who maintain a B average or equivalent, making this one of the few states where the discount is legally required rather than carrier-discretionary.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
Cost Overview
$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
- Insurers must verify grades annually through report cards or transcripts.
- Telematics programs (available from most major carriers in Minnesota): Usage-based insurance monitors braking, acceleration, speed, and nighttime driving via smartphone app or plug-in device.
- Vehicle type and age: Insuring a teen on a 2010 Honda Civic with modern safety features costs substantially less than a 2015 sports sedan or SUV. Many parents buy an older, reliable sedan specifically to minimize insurance costs during the high-rate teen years.
- The course includes 30 hours of classroom instruction and 6 hours behind-the-wheel training, and some insurers require proof of completion to offer the discount.
- Intermediate license restrictions compliance: Minnesota's intermediate license prohibits more than one non-family passenger under 20 for the first six months, and no driving between midnight and 5 a.m. unless for work, school, or emergencies. Violations can result in license suspension and significant rate increases. Parents should verify that their insurer is aware of the license stage, as some offer modest discounts during the restricted intermediate period.
- Separate policies only make financial sense in rare situations where a parent has a very poor driving record or recent at-fault claims that already place them in high-risk status.
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
What are Minnesota's graduated licensing restrictions for teen drivers?
Minnesota teens can get a learner's permit at 15, advance to an intermediate license at 16 (after 30 hours supervised driving including 10 at night), and earn a full unrestricted license at 17. Intermediate license holders face a midnight–5 a.m. curfew and cannot carry more than one passenger under 20 (except family) for the first six months. These restrictions must be followed violation-free for 12 months before advancing to a full license, and violations can result in license suspension and insurance rate increases.
Coverage Types
Liability Insurance
Covers injuries and property damage your teen causes to others in an at-fault accident. Minnesota's 30/60/10 minimum is low for teen drivers given their elevated crash risk.
Collision Coverage
Pays to repair your teen's vehicle after an at-fault accident or single-vehicle crash, minus your deductible.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, hail, glass damage, and animal strikes.
Uninsured Motorist Coverage
Protects your teen if they're hit by a driver with no insurance or insufficient coverage to pay for injuries and damage.
Medical Payments Coverage
Covers medical expenses for your teen and passengers after an accident, regardless of fault, without needing to file a liability claim or lawsuit.
Full Coverage Package
Combines state-required liability and uninsured motorist with collision and comprehensive to protect both your teen's liability exposure and their vehicle.