How can I save money on car insurance in Minnesota?
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What are the minimums for car insurance in Minnesota?
Finding the right car insurance for you means staying up to date on Minnesota requirements. The table below lists the coverages and minimum coverage limits that are required in Minnesota. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
Not in Minnesota? Check your state requirements to determine your auto insurance needs.
|
Coverage type
|
State requirements²
|
|---|---|
|
Bodily injury liability |
$30,000 limit per person/$60,000 limit per accident |
|
Property damage liability |
$10,000 limit |
|
Uninsured motorist |
$25,000 limit per person/$50,000 limit per accident
|
|
Underinsured motorist |
$25,000 limit per person/$50,000 limit per accident
|
|
Personal injury protection |
$40,000 limit per person, per accident
|
|
Collision |
Not required¹
|
|
Comprehensive |
Not required¹
|
All coverages are subject to the coverage limits stated in your policy.
¹Although Minnesota law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
How does uninsured motorist coverage and other state specific coverages work?
In Minnesota, Personal Injury Protection (PIP) coverage is required and helps pay for medical costs, lost wages, and other expenses right after an accident--no matter who's at fault.
Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury coverage are also required and will help protect you if the other driver has no insurance or not enough to cover your medical expenses. These two additional coverages protect you if the other driver has no insurance or not enough to cover your medical expenses.
If you are in an accident with an uninsured or underinsured motorist, your Personal Injury Protection will apply first. If that coverage plus the at-fault driver's liability coverage (if any) isn't sufficient to cover your medical expenses, then your Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury coverage kicks in.
Adding Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury coverage can mean fewer out-of-pocket costs and more financial protection when you need it most.
What other types of car insurance coverage are available in Minnesota?
Allstate also offer these other types of car insurance coverage:
- Roadside
- Allstate Ride For Hire®
- Transportation expense coverage
Learn about these and other car insurance coverage types available.
What car insurance discounts can I get in Minnesota?
It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for Minnesota auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- Responsible payer discount
- Good student discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
How much does an auto insurance policy cost in Minnesota?
The average annual cost of minimum auto insurance in Minnesota is $717. For full coverage, the average annual cost is $2,568 according to Bankrate.
What can impact my car insurance rate in Minnesota?
In addition to selecting the coverages, limits and deductibles that are right for you, these factors could also affect your car insurance rates in Minnesota:
- The type of car you’re insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like ZIP code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
What are Minnesota’s rules on electronic proof of insurance?
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Minnesota, you are allowed to show an electronic copy of your insurance card on your mobile device.
You can use the Allstate® app to access a digital ID card.³