Minnesota
Auto Insurance Coverages
There are so many companies offering auto insurance in Minnesota. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, you local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as MN's Graduated Driver Licensing laws (refer to chart below).
For more information on this state, visit the Minnesota State Information or Minnesota State Catastrophe page.
Minnesota Auto Insurance Coverage Scale
Do you know what the Minnesota auto insurance coverage requirements are? Use the chart below as a possible starting point to learn more about the Minnesota-required auto insurance coverage levels and the most common car insurance coverages in Minnesota
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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30,000/60,000
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100,000/300,000
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Property Damage Liability
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10,000
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100,000
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Uninsured Motorist Bodily Injury
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25,000/50,000
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100,000/300,000
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Underinsured Motorist Bodily Injury
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25,000/50,000
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100,000/300,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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0 deductible
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Personal Injury Protection
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40,000
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40,000
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For more information on how accidents and violations can affect your premium, please view the Minnesota Surcharge Disclosure.
Minnesota Graduated Driver Licensing
If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has provision, but is not optimal
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Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted)
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Has provision, but is not optimal
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Minimum exit age/ Minimum age at which restrictions are lifted
(Optimal: 18)
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17
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Illinois,
Iowa,
Nebraska,
North Dakota,
South Dakota,
Wisconsin
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Minnesota. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.
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