Minnesota Car Insurance - Auto Insurance Quote in MN
Getting a car insurance policy in Minnesota -- a state that's famous for the Minnesota Vikings, the Great Lakes and being the birthplace of Judy Garland -- is a breeze with CarInsurance.com.
| Current average car insurance premium in Minnesota | $0.00 |
| Current average car insurance premium U.S. | $1,998.23 |
| Minneapolis | $1,652.94 |
| Saint Paul | $1,695.01 |
| Check out our car insurance rates in more Minnesota cities | |
[Let CarInsurance.com help you find affordable auto insurance now.]
Minnesotans pay less than average for insurance, but it’s useful to see how rates have been trending with CarInsurance.com's Average Premium Trend Tool. Just run the mouse over each point to get information on annual premium averages and their changes over the last few months.
Minnesota residents should be confident they can get a good deal because there are more than a dozen carriers eager to provide coverage quotes. CarInsurance.com also shows vehicle owners what Minnesota law requires as a minimum in insurance. Want to know what motorists are paying throughout the state? We have that as well.
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.
Minimum Required Insurance Coverage in Minnesota
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) 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.
The information and purchase process at CarInsurance.com gets going with the Minimum State Required package. But you can also opt for a more individualized package, based on deductible and liability limits chosen by you. Minnesota-licensed agents can walk you through everything.
Shopping around for the best coverage may take a little of your time and energy, but it's all worth it. Let CarInsurance.com work with you along the way.
Expect to pay more for your Minnesota car insurance if your car is on the list below.
