Minnesota Car Insurance Rates - Auto Insurance Quotes in MN
Minnesota's State motto: "L'étoile du Nord ("The north star")"Finding low cost auto insurance rates in Minnesota has never been easier. CarInsurance.com offers the best Online Insurance Marketplace™ to help you comparison shop for the lowest rates available. We offer one convenient place to get a quote and buy a policy in 20 minutes or less. In addition, we have all the resources you need to make informed decisions about your car insurance. You get great service from the most reliable and affordable insurance companies in Minnesota, so the only thing you do is shop to save money. The best rate in Minnesota last year, is not the best rate in Minnesota this year!
Minnesota state law requires minimum Bodily Injury Liability limits of $30,000 per injured person up to a total of $60,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 30/60/10 coverage with 25/50 UM limits.
Minnesota Coverage:
Bodily Injury Liability: $30,000/$60,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $40,000 Limit
The state of Minnesota follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. Minnesota state law requires a minimum Personal Injury Protection coverage of $40,000.
To help protect against damages caused to you and your passengers by an uninsured driver, Minnesota state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
For low cost auto insurance in Minnesota, get auto insurance from the specialists at CarInsurance.com for your city or these other cities in Minnesota It is fast and easy. Save Your Time. Save Your Money.
Quotes available in all of Minnesota, including:
With Minnesota resident's average insurance premium at around $929 in 2003, and the national average at around $914, most Minnesotans incorrectly assume that they have no choice but to accept these rates fixed by insurance companies and state regulatory agencies. At CarInsurance.com we know there are competitive rates available for you in Minnesota, and we will help you find them.
2007 had the first decrease in rates since 1999. Expect a .5% to 1% decrease in car insurance rates from 2006 insurance rates! 2008 should follow in the first half, but then rates will follow their normal cycle and increase slightly. This will force consumers to shop reliable sites like CarInsurance.com to find better rates. Sites like CarInsurance.com have facilitated the change by bringing competition directly to the consumer and by lower your costs through technology!
Visit the
U.S. Car Insurance Requirements page to see how Minnesota state laws compare to other states.
As the years go by the insurance rates also change and by ignoring the rate changes in Minnesota, you might be paying more than you need to. Just one year earlier, the average auto insurance premium in 2002 was about $886, that's an increase of about 4.85% in just one year! Don't waste your money paying high insurance premiums, start saving now by requesting an online quote from CarInsurance.com now.
If you call the North Star State your home, you need to get your insurance from CarInsurance.com. We offer great rates and great service, it is so fast in some states you can get a quote and even buy your policy in 20 minutes online or over the phone. All you need to do is enter your zip code to get started, in a matter of minutes you will be looking at the most affordable rates available in Minnesota.
If you need information for other states besides Minnesota, select a state from the links below. CarInsurance.com offers the same low rates in all the 50 States, so you always get the lowest rates for your state. Request a quote by entering your zip code above, and find out how much you can save. Choose a different state below to get more information.