Minnesota Auto Insurance
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- Minnesota Auto Insurance
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Although there are many backroads in Minnesota where tractors pass freely and drivers wave them through. Everyone in the Land of 10,000 Lakes must maintain a driver’s license and Minnesota auto insurance minimum coverage requirements to be able to drive in this amazing state.
Getting the best auto insurance rates in Minnesota — in minutes — is easy when you let Clovered help you out. Our team of licensed agents has teamed up with some of the best auto insurance companies in Minnesota to help drivers stay safe on and off the road.
With some pretty stringent minimum coverage requirements, the state’s average cost of liability auto insurance is pretty reasonable at just under $800 per year, a cool hundred below the national average. But that doesn’t mean you must pay those prices. At Clovered, we may be able to find you a cheaper policy that meets your coverage needs.
Minnesota Auto Insurance Minimum Coverage Requirements
From bodily injury liability to ensuring you’re protected against uninsured and underinsured drivers in the state, Minnesota auto insurance is designed to keep you and your passengers safe on the road — no matter what you might run into or what might run into your vehicle.
- Bodily Injury: $30,000 per person, $60,000 per accident
- Property Damage: $10,000 per accident
- Uninsured Motorist: $25,000 per person, $50,000 per accident
- Underinsured Motorist: $25,000 per person, $50,000 per accident
- Personal Injury Protection: $40,000
What Does Minnesota Auto Insurance Cover?
Property Damage Liability
This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.
Collision Coverage
This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.
Comprehensive Coverage
This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.
Bodily Injury Liability
If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.
Personal Injury Protection
Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.
Medical Payments
This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.
Gap Coverage
If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.
Towing & Labor
An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.
Rental Car
You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.
Uninsured Motorist
This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.
Underinsured Motorist
This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.
Is Minnesota a No-Fault State for Auto Insurance?
Yes, Minnesota is a no-fault state, which means that every driver must carry sufficient personal injury protection (PIP) coverage so they can be medically treated for any injuries that occur from a car accident — whether they’re at fault or not.
How to Get the Best Auto Insurance Rates in Minnesota
Getting the best auto insurance rates in Minnesota is a breeze when you enlist Clovered to help. Since we work with many of the best auto insurance companies in Minnesota, we can find and compare many policies from a slew of companies to find you the best policy at the best price.
Rethink your auto insurance premium with a free quote from the nation's top companies.
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
