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Minnesota car insurance laws
All Minnesota drivers are required to carry three types of auto insurance: standard liability, uninsured and underinsured motorist bodily injury coverage, and personal injury protection (PIP).
Minnesota is a no fault state, and PIP is the no fault part of auto insurance policy. In the event of an accident, PIP helps pay the cost of your (and your passengers') injury-related expenses, regardless of who was at fault for the accident.
Minnesota auto insurance laws require $40,000 worth of PIP coverage, ($20,000 for medical costs, and $20,000 for other related expenses, like lost wages or funeral costs). Drivers may choose to purchase higher levels of PIP for an increase in premium, or apply a deductible to the policy for a premium reduction.
No fault insurance does limit the right of an injured party to sue for damages caused by an auto accident. However, at-fault drivers can be found liable for expenses over the limit of the injured party's PIP coverage. Liability insurance helps cover these costs, and it is required by Minnesota auto insurance laws.
Minnesota's liability insurance minimums are 30/60/10. (That's $30,000 per person for injuries you cause to the other party, up to $60,000 for all, and $10,000 for damage you cause to the other party's property.)
The final coverages required by Minnesota auto insurance laws are uninsured and underinsured motorist bodily injury coverage in the amount of 25/50 ($25,000 for injuries per person, up to $50,000 total). These policies help pay for your medical expenses should you be injured by a driver with inadequate liability insurance. They apply only after your PIP benefits have been exhausted.
Minnesota auto insurance companies will also offer optional collision and comprehensive coverages.
Sidebar If you are a Minnesota resident, you may be able to save on your premium by visiting Electric Insurance. Their policies are available only to those drivers whose credit and driving records could be described as being at least good.
The price of Minnesota auto insurance is decided by the behavior of the state's drivers as a whole. Minnesota auto insurance companies take the cost of providing insurance for Minnesota drivers (this includes settlements and legal fees) and divide it up among the drivers.
But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all insurance companies compute their figures in the same manner. So they'll charge different rates on the same driver.
What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Minnesota auto insurance policy.
• Netquote is extremely helpful if you want a local agent to contact you, to help you set up a policy tailored to your particular needs, and to (possibly) help you save even more money.
• Geico - Like the gecko says: "15 minutes could save you $300 or more on your car insurance".
• Get a quote using your ZIP Code. Find local and national insurers who offer discounts in your area:
To speed things up, you may wish to have some of the information needed for an online quote ready before you begin.
More MN car insurance advice and help
If you want more help designing your MN auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.
Then subscribe to our free email course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible auto plan for you and your family. (Or your small business).
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Sign up for our free email course to learn the step-by-step process that will help you get the best auto coverage for the least amount of money.
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