Minnesota Auto Insurance Quotes

Shopping around for the best deals on Minnesota auto insurance coverage? You've found the best site for updated information and price quotes on Minnesota vehicle insurance. Before getting a quote or purchasing a policy, you can find out what is required in order to keep your vehicle legal for Minnesota's roadways. Once you've determined what type of coverage you need to carry, you can request quotes from several carriers that are licensed to conduct business in Minnesota.

Minnesota Liability Insurance Requirements

Like many other states, Minnesota requires that drivers purchase liability insurance for all registered vehicles.  In addition to the liability coverage, Minnesota also requires that drivers have personal injury protection, underinsured motorist coverage, and uninsured motorist coverage.  The minimum coverage amounts required for liability insurance are $30,000 for injuries to one person in one accident, $60,000 for all bodily injuries in one accident, and $10,000 for property damage. 

Personal injury protection will pay for medical expenses and lost wages for covered drivers and passengers, regardless of who is at fault for an accident.  The required coverage amounts under Minnesota law are $20,000 for medical expenses and $20,000 for non-medical expenses, for a total of $40,000 per person per accident.  Underinsured motorist coverage can pay for your medical expenses but only if the other driver is at fault and does not have the right amount of insurance.  Under Minnesota law, drivers must carry a minimum of $25,000 for injuries for one person in one accident and $50,000 for all bodily injuries in one accident.  Uninsured motorist coverage can pay for medical expenses if you max out your personal injury protection benefits and the other driver is responsible for the accident and does not have insurance.  The minimum coverage for this type of policy is $25,000 for bodily injuries for one person in an accident and $50,000 for all bodily injuries in an accident.

Minnesota's No-Fault Law

Minnesota is considered a no-fault state.  This means that your insurance company must pay your expenses regardless of who was at fault in an accident.  No-fault laws were established to reduce auto insurance fraud and ensure accident victims' expenses were paid after accidents.

Minnesota Penalties for Lack of Coverage

The penalties for failing to maintain insurance on your vehicle depend on the number of offenses you have accumulated.  A first offense is considered a misdemeanor, but subsequent offenses are considered gross misdemeanors if they occur within ten years of a first offense.  Convicted offenders may be jailed for up to 90 days and required to pay fines ranging from $250 to $1,000.  Driver's license suspension is also a possible penalty.