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Minnesota Car Insurance

Whether they’re braving the traffic of The Twin Cities or heading to one of The Ten-Thousand Lakes for a weekend getaway, it is absolutely essential that all Minnesota motorists maintain sufficient car insurance coverage on their vehicles. is dedicated to helping Minnesotans get the lowest possible rates on car insurance policies that meet their needs from insurance companies they can rely on. That is why has partnered with reputable insurance companies such as Allstate, AIG and nationwide; allowing us to get the best deals on car insurance policies for our customers.

Minnesota Car Insurance Minimums

Minnesota requires its residents to carry some of the most complete insurance coverage in the country. For starters, Minnesota is a no-fault state, meaning that in the event of an accident, each motorist’s insurance is responsible for their medical expenses regardless of who was responsible for the incident. For this reason, every Minnesotan is required to have Personal Injury Protection (PIP) which not only covers medical expenses, but will also pay lost wages and funeral expenses if needed.

Because there are exceptions for no-fault states, such as the cost of medical expenses exceeding a certain amount, every Minnesota driver is also required to have at least 30/60/10 liability coverage to cover bodily injury and property damage for the other driver and their vehicle.

• Bodily Injury Liability- Bodily injury liability covers medical expenses for the driver of the other vehicle and their passengers when the insured person is found to be at-fault in an accident. If minimum coverage is obtained, the insurance company will pay a maximum of $30,000 for a single and person and $60,000 for multiple persons.
• Property Damage Liability- Property damage liability covers repairs for damages to the other person’s vehicle, buildings, road signs, etc. Under the minimum coverage, the insurance company will pay a maximum of $10,000 for repairs.

While Minnesota liability minimums are some of the highest in the country, it is still recommended that motorists carry liability policies greater than the required minimums for their vehicles as well as Comprehensive and Collision to pay for damages to their vehicle if they were at fault or the vehicle was damaged by wildlife or other natural event.

Because Minnesota’s car insurance requirements are so good and many states do not require their residents to carry sufficient coverage, it is also required that motorist have Uninsured Motorist protection for their vehicles. UM protection pays for damages when the vehicle was damaged by a driver with no or insufficient coverage or by a hit and run.

Even though Minnesota requires its residents to carry very comprehensive insurance for their vehicles, the average insurance premiums for the state remain fairly low. In fact, the average insurance premiums fell 3.8% from $1658 in 2006 to $1598 in 2007, keeping Minnesota well below the national average of $1896. wants our Minnesota customers to pay as little for their car insurance as possible. That is why searches our online partners to get the lowest online Minnesota car insurance quotes; allowing our customers to choose the insurance policy that fits their needs and their budgets.

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Cities in Minnesota

Car Insurance by State

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