Minnesota Car Insurance

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In a nutshell...
  • Minnesota drivers fall right in the middle of car insurance rates and the trend only about five below the national average
  • Minnesota drivers enjoy the luxury of no-fault car insurance laws, so there is no burden of guilt to drivers in most car accidents
  • Low-cost auto insurance is readily available especially if you learn about car insurance discounts and try to maximize the number you qualify for

Minnesota car insurance laws are defined by the Minnesota Department of Commerce and currently require all vehicles to meet minimum liability requirements or else possibly be exposed to steep fines, vehicle impoundment, drivers license suspension and more.

The cost of driving with no car insurance in Minnesota is potentially expensive than complying with state car insurance laws.

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Minnesota No-Fault Car Insurance Laws

How no-fault car insurance works is that no driver is ever declared to be at-fault so each injured parties car insurance company will pay for damages to their respective vehicles and persons.

Minnesota drivers need to carry car insurance with the following minimum levels of coverage as per state laws:

— Bodily Injury Liability

  • $30,000 liability insurance per accident per person
  • $60,000 liability insurance per accident (all persons)
  • $10,000 property liability coverage

— Uninsured Motorist and UnderInsured Motorist

— Personal Injury Projection

  • $40,000 PIP per accident per person per accident

While no-fault auto insurance laws certainly reduce your exposure to litigation from minor car accidents they are certainly not full protection against any possible car accident scenario.

Any damage exceeding your policy limits can still expose you to personal liability and should you operate a vehicle with extreme negligence that injured parties can file suit against you.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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Minnesota Car Insurance Companies

The number of auto insurance companies in Minnesota is close to 150 so drivers have a wealth of auto insurers to choose from.

Most national providers such as State Farm, Progressive, and Geico all have a presence along with a large number of mid-Western and regional providers who provide quality coverage with affordable car insurance rates.

From the good driver discount to multi-policy discounts, Minnesota drivers can often save 20-50 percent off premiums with the right combination of insurance company and discounts.

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