Auto Insurance Minnesota
Minnesota is the 12th largest state in the United States located in the upper Midwest. is a very hot contested state for auto insurance. Minneapolis is the trade center of the Midwest, and where the world’s largest super computer and grain distributor reside.
As you enter your zip code on this page you will be presented with a list of car insurance companies who want your business. Simply click on all the companies you want a quote from, and work towards customized auto insurance quotes from each.
Cost Averages Per Driver
Minnesotans pay less than average for insurance when compared to the rest of the country.
Approximate yearly car insurance averages is $1188
Average Premiums in Cities
Minneapolis $1652
St. Paul $1695
Uninsured or underinsured Motorist
When you live in a state like Minnesota that requires all drivers who purchase car insurance you must also get Uninsured Motorist coverage. This type of coverage helps protect you when another driver is at fault in an accident and does not have car insurance coverage. And every state has its fair share of uninsured drivers- Minnesota is no different.
Check your policy with your auto insurance agent and find out all the things it covers. It will cover many things but not all. Some of the more common are: Medical bills, pain suffering, emotional distress, and loss of future earnings.
Underinsured insurance (UIM) is not the same as uninsured motorist coverage (UM). UIM applies when the person who was at fault in your accident has insurance but does not have the limits high enough to compensate for your losses. If you need to file a claim it is wise to seek out the assistance of an auto accident attorney.
How do I get Uninsured and Underinsured car insurance coverage?
Your agent will go over this with you or when you buy Minnesota car insurance online you will be required to chose this option.
How much coverage is required?
Bodily Injury Liability: $30,000/$60,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured or Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $40,000 Limit
The state follows a No-Fault system. So your car insurance company will pay for your injury claims regardless of fault, up to a specified limit
