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Minnesota Auto Insurance Requirements
What is the Mandatory Auto Insurance Law in Minnesota?
Minnesota requires all licensed cars to have:
And Minnesota law requires all drivers, whether in Saint Paul, Duluth, Brooklyn Park or Bloomington, Plymouth or Eagan, Coon Rapids or Burnsville, to have auto insurance with at least the following required minimum limits.
What are those required minimums in the Land of 10,000 Lakes?
Minn law requires the following car insurance coverage and limits:
Liability Coverage (mandatory):
usually their car.
Personal Injury Protection, aka PIP or No Fault (mandatory):
Minnesota Car Insurance Tip: If you have a loan on your vehicle, the lienholder, as the legal owner of the car, will require you to carry comprehensive and collision coverage. If you do not purchase this coverage, the lien holder may buy it and charge you for the premium. This is termed "forced insurance;" it is extremely expensive, it is legal, and it does not include the required coverages listed above. So be sure you buy it yourself.
What about coverage when you loan your car to a friend?
Who pays for damage to the car?
What about coverage of rental cars?
What Exactly Is No-Fault Coverage in Minnesota?
Here are some other facts about no-fault:
Proof of Insurance
While it's helpful to keep current proof of auto insurance in the car with you at all times, Minnesota law does not currently require you to carry it with you.
Your car insurance company will provide this card when they issue or renew your car insurance liability policy.
Any time you request it, the insurance company will provide you this card for free for each car covered under your policy and if you get a free auto quote and purchase your insurance from InstantCarInsurance.com or from Ensurance.com you can also print your free ID cards instantly online, anytime of day.
The insurance ID card includes the name of the Minnesota car insurance company, 800 claims number, the insurance policy number, and the insurance policy effective and expiration dates. It also includes a description of the insured car(s) and the name(s) of the insured driver(s).
Minnesota has mandatory, or compulsory financial responsibility laws that are easily satisfied through buying car insurance from a Minnesota Licensed Insurance Company. All registered cars and trucks are required to have minimum liability coverage, although InstantCarInsurance.com recommends that you buy higher limits and additional types of coverage as is affordable for you.
Where can I find a licensed Minnesota Auto Insurance Company?
The easiest way to find affordable Minnesota car insurance is to simply go to the top of this page, begin a quote by completing one application and you will be shopping across 15 car insurance companies instantly.
How to Find the Best Auto Insurance Rates in Minnesota
We cannot say it enough! It is so important to comparison shop for the best car insurance in Minnesota at the lowest, cheapest, most affordable rates.
Let's face it, Minnesota auto insurance is not cheap! But there are many online resources that provide free quotes from licensed insurance companies approved by the Minnesota Department of Commerce.
If you think you may be paying too much for auto insurance, Minnesota residents can save time and money by comparing car insurance quotes quickly and anonymously between all the top name auto insurance carriers simply by logging on to InstantCarInsurance.com.
Just remember, the State of Minnesota requires minimum car insurance liability limits (see above) as long as you have a valid Minnesota car registration. Keep this in mind when shopping for basic coverage and evaluate it against car insurance quotes with higher coverage limits for a little more money. Cheap auto insurance is not always the best car insurance.
We also recommend the following tips to lower your auto insurance bill:
Shopping for Personal Automobile Insurance
Gather information you'll need before you begin shopping online. Remember that the cheapest deal isn't always the best deal. Good insurance value means finding the right price, best coverage, and quality service. Answer all questions truthfully and correctly. Check to see what discounts can save you money. Make sure the premium charge quotes you get are for the same term and coverage. For example, not all companies will offer the same options and deductibles. Decide what you need before shopping.
More Tips For Lowering Your Premium
Tips For parents of teen-aged drivers: If your Minnesota teenagers don't own cars, try naming them on your policy as occasional operators of your least expensive cars. Many insurers will allow you to name them as an occasional driver if they donít drive to and from school or work.
If they do own cars, try to cover them under your policy. This would also qualify you for a multi-car discount. The total cost still is not going to be cheap, but it should be cheaper than if they buy a policy on their own.
It is important that you report actual driving habits to the company. Still, it's not uncommon today for the insurer to have juveniles automatically assigned to your most expensive car. These carriers are to be avoided if possible.
Check into discounts for a driver's education course or good academic record. If the young driver goes to school more than 100 miles away - without a car - another discount may apply.
Tips / Advice to Young Singles on their own: Avoid high performance or "turbo cars." A turbo engine can add more than 10 percent to your premium.
Tips / Advice to Older people: Take a defensive-driving course that's approved by the State Board of Education or National Safety Council. You may earn a 5 to 15 percent discount off of your premium.
Tips For All Drivers: Ask About Discounts
One Last Money Saving Car Insurance Tip:Shop, and shop often! Why? Most people don't realize that Minnesota insurance companies typically change rates twice monthly. Therefore we strongly recommend that you save your quote, making it simple to return and re-rate your cars on the 1st and the 16th of each month - just to be sure you're still getting the best deal, the lowest, cheapest price you can find on line for auto insurance! Why not? It's fast, easy, and best of all, it's free!
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