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Best Affordable Auto Insurance in Minnesota
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Minnesota auto insurance is very a very unique system in that no other state has the same laws and minimum coverages. If you are looking for cheap car insurance, you need to not only get multiple quotes, but also be an informed consumer so that you know what is necessary in your policy and what is not. Minnesota is a no-fault state. It was established to help ease the burden of courts and to ensure prompt treatment for those victims in car accidents. Insuring in a no-fault state means that your policy must contain personal injury protection, sometimes referred to as PIP. No-fault covers your personal medical costs, wage loss, replacement services such as housekeeping, and in the event of death, $2,000 of funeral expenses. If expenses then prove greater than the PIP limit on your policy, or you attain specified thresholds, you may make a claim against the other driver's liability coverage if the other driver is found to be liable for the accident. Minimum no-fault coverage in the state of Minnesota is $40,000. That amount is available to each person injured in an accident; allotting $20,000 is for medical expenses and $20,000 for non-medical expenses such as repairs or property damage. Additional coverage is required in at least the following minimum amounts; in the form of bodily liability coverage of $30,000 for injuries to one person in an accident, $60,000 for injuries to two or more people, and $10,000 for physical damage to the other driver's vehicle or for damage to property. In addition a policy must have uninsured/underinsured motorist coverage of at least $25,000 for injuries to one person and $50,000 for injuries to two or more people. As always additional coverage may be purchased, but is not necessary to meet state requirements. Finding the best and most affordable auto insurance in Minnesota can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Minnesota. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the North Star State.

Understanding Minnesota's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Minnesota one must understand what coverage they need. Minnesota is a no-fault state that requires Personal Injury Protection (PIP) to be a part of your policy. A no-fault state allows the person in an accident to receive their money regardless of proof that the accident was somebody's fault. However, living in a no-fault state prevents the injured party from suing for further damages, and if the insurance money is not enough to cover medical expenses, the injured party must come up with the rest of the funds for treatment. In addition Minnesota requires your policy to have coverage from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Minnesota the minimums are 25/50/25. The numbers are in thousands of dollars.

Minnesota Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/25
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $427
  • Average Collision Cost: $212
  • Average Comprehensive Cost: $165
  • Average Cost per Year in Minnesota: $721
  • US Average Cost: $795
  • Expense Rank: 28/51

Best Minnesota Auto and Car Insurance Companies

J.D. Power
Overall Rank
N/A 65%
N/A 53%
N/A 48%
N/A 42%
N/A 55%
N/A 23%
N/A 50%
N/A 75%
N/A 65%
N/A 34%