Minnesota Car Insurance

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Key takeaways...
  • All vehicles registered in Minnesota must have car insurance which meets or exceeds the minimum car insurance requirement as set by the Minnesota Department of Commerce
  • Driving with no car insurance in Minnesota is illegal and drivers can be subject to heavy fines and punishment
  • Car insurance comparison will be the key to finding the best Minnesota car insurance rates

All vehicles registered in Minnesota must have car insurance which meets or exceeds the minimum car insurance requirement as set by the Minnesota Department of Commerce.

Driving with no car insurance in Minnesota is illegal, and drivers can be subject to heavy fines and punishment.

Need a list of Minnesota Car Insurance Companies? Enter your ZIP code above to compare Minnesota car insurance quotes online.

Minnesota No-Fault Car Insurance

Minnesota is a no-fault car insurance state so most accidents are handled relatively quick without burden on the legal system as the insurance company of each party involved in a car accident will pay damages to the insured regardless of who was at fault.

However, this also means you must have additional insurance coverage beyond just liability protection in the State of Minnesota.

MN drivers need to carry bodily injury liability, personal injury protection, property damage insurance and Underinsured (UM) / Underinsured (UIM) motorist coverage.

Minnesota Car Insurance Laws

All drivers are expected and obligated to carry insurance with at least the following minimum amount of coverage:

  • $40,000 Personal Injury Protection per person per accident ($20,000 for medical/health expenses and $20,000 for non-medically related such as replacement services, lost wages)
  • $30,000 Bodily Injury Liability for injuries sustained by one person per accident
  • $60,000 Bodily Injury Liability for injuries sustained by two or more persons per accident
  • $10,000 in physical property damage coverage
  • $25,000 / $50,000 in Uninsured Motorist Coverage (UM)
  • $25,000 / $50,000 in Underinsured Motorist Coverage (UIM)

While these limits may seem reasonable on the surface they are still low in terms of how much liability you could be exposed to.

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Imagine hitting a Mercedes, Land Rover or other luxury cars in a major accident only to find out your car insurance policy will only cover a portion of the repair cost and you are personally liable for the rest?

It is very possible and one big reason many Minnesota drivers opt for additional coverage usually exceeding at least $100,000.

Adding extended coverage to a car insurance policy is actually very affordable and most car insurance companies only charge a nominal increase so always consider higher car insurance coverage than just state minimum requirements.

Learn more about the Minnesota Automobile Insurance Plan which helps almost all drivers denied car insurance obtain coverage.

Minnesota Car Insurance Quotes

Minnesota is located in the heart of where many of the nation’s largest car insurance companies started and residents will enjoy access to a long of car insurance companies including GEICO, Allstate, State Farm, Nationwide and more.

Car insurance comparison will be the key to finding the best Minnesota car insurance rates.

Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

FREE Car Insurance Comparison

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