Minnesota Car Insurance

Minnesota

One of the best ways you can get stress relief is to stay away from work for a few days and take your family or invite a group of friends to a road trip. If you are still not sure where to go, why not drive to beautiful Minnesota.

Shop until you drop at the Mall of America, and enjoy the fun-filled rides at Nickelodeon Universe. Take your kids to see the marine animals of Sea Life Minnesota Aquarium, or have them exercise their creativity at Lego Land. If you love the outdoors, you can go on a canoe ride at the Boundary Waters Canoe Area and spend the night toasting marshmallows on the nearby camping grounds.

No matter how you want to spend your vacation, make sure that your car is insured and protected as you drive around the great state. Whether you are a first-time visitor or a local, protect your vehicle with the right amount of insurance.

Minnesota Car Insurance Requirements

All vehicles that are primarily used and driven in Minnesota must have Liability Insurance, No-Fault Insurance, and Uninsured Motorist Insurance coverage.

No-Fault insurance is also known as Personal Injury Protection insurance coverage. This type of insurance pays for hospital bills and covers any loss of income because of a road accident, whether the accident was someone else’s fault or yours. PIP insurance also covers your household family members.

Car insurance laws in Minnesota also require you to have a minimum limit of $20,000 for loss of income and $20,000 for medical coverage. If you are a passenger in a car involved in an accident, the car owner’s PIP will cover you. If you are involved in an accident, your passengers will be covered by their own PIP coverage.

Minnesota laws also require liability insurance with the following minimum coverage limits: $30,000 for injuries per person, $60,000 for injuries per accident, and $10,000 for property damages. If you caused the accident, the other driver’s PIP coverage will take effect, while your liability insurance will cover the costs exceeding the other driver’s no-fault insurance policy.

Optional Car Insurance in Minnesota

There is also optional insurance coverage that you can get for additional protection. Collision insurance covers all damages to your vehicle that resulted from the accident, while comprehensive insurance will cover the cost of non-traffic-related damages to your vehicle, such as vandalism.

Factors Affecting Car Insurance in Minnesota

In Minnesota, many factors affect the cost of your monthly car insurance premiums. 

  • Age
  • Driving Record
  • Where you Live
  • Educational Level
  • Insurance History
  • Amount of Coverage
  • Type of Coverage
  • Deductible Amount
  • Company you Insure with
  • Type of Vehicle being Insured

Minnesota Car Insurance Discounts

The best way that you can keep your car insurance premiums low for a long time is to obey traffic laws and drive safely, all the time. If you are trying to stay within a certain budget, you can get the car insurance coverage you need through policy discounts that include:

  • Accident Prevention Course Discount
  • Homeowner’s Discount
  • Anti-Theft Discount
  • Good Student Discount
  • Safety Device Discount
  • Safe Driver Discount
  • Multi-Car Discount

Minnesota Car Insurance Quick Facts

It is important to understand that while auto insurance is required for many drivers, companies have the right to deny coverage to drivers that they consider high risk. The MNAIP or Minnesota Automobile Insurance Plan provides insurance coverage even for high-risk drivers.


All car insurance providers in Minnesota are required to provide MNAIP coverage. The risk of insuring high-risk drivers is shared among all insurance companies in the program. You can apply for MNAIP coverage with the help of any car insurance agent, if standard car insurance policies do not apply to you.

Keep your family and yourself protected as you drive around the beautiful North Star state. Learn what type of car insurance policy applies to your needs and budget by talking to an insurance company in Minnesota today!