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• MN Auto Insurance

Minnesota Auto Insurance

Compare Minnesota Car Insurance Company Rates for Free

At Auto Insurance Planners, it is our mission to help you find the lowest possible price on your auto insurance rate. With so many liability insurance policies available from dozens of auto insurance companies in Minnesota, it’s very likely that you are paying more than you need to for your car insurance policy. We provide you with information you need in order to know what types of auto insurance coverages you’ll need and we provide a free, online auto quote comparison tool. You’ll be able to compare quotes from several of Minnesota’s top insurance companies within minutes. It’s a few minutes of your time that can end up saving you hundreds of dollars on auto insurance.

Minnesota auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Minnesota follows a no-fault system for auto insurance.

A no-fault system is one of two common liability systems in the US. The other one is a tort system (some states have a hybrid of the two). A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

PIP (Personal Injury Protection) insurance is not optional in Minnesota.

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault. In Minnesota, it is required that drivers purchase some personal injury protection insurance.

What type of insurance is optional in Minnesota?

There are actually a few different types of optional insurance, the most popular being uninsured or underinsured motorist (UIM) coverage. An uninsured (or underinsured) motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Minnesota, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Minnesota auto insurance rates.

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