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| A requirement for all vehicles licensed in the state of Minnesota is valid insurance. The law states that liability insurance is mandatory so any auto insurance quote in Minnesota will contain no less than the following minimum coverages: bodily injury liability coverage of $30,000 per person and $60,000 per accident for more than one person, $10,000 for property damage, personal injury protection (PIP), uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per accident for more than one person. If you want cheap Minnesota car insurance, then request these low limits when shopping around for the best rate that a company has to offer. However, these low limits and minimal coverages may not be sufficient in the event of an accident or loss so you should consult with an agent before making your final coverage choices. Our multi line insurance agents directory lists agents that handle many different types of insurance such as homeowners, automobile, renters, condo, motorcycle, boat, life and health insurance. These agents also represent some of the top insurance companies doing business in the state. They can help you customize your coverages so that you are adequately protected and still able to get an affordable Minnesota auto insurance policy. Several companies offer multi policy discounts if you purchase more than one policy from them. This is a great way to obtain Discount Minnesota car insurance so find an agent in or near your city and request a free quote on all of you policies today. |
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Minnesota is a no fault state, each driver must carry three insurance coverages. These coverages are: standard liability, uninsured and underinsured motorist bodily injury, and personal injury protection. The state's liability minimums requirements are 30/60/10. That is $30,000 per individual for bodily injuries you cause to the other persons, and up to $60,000 for all, and $10,000 for damage you cause to the other party's personal property. The uninsured and underinsured motorist bodily injury coverage is required in the amount of 25/50 ($25,000 for injuries per person, up to $50,000 total). Insurance regulations require $40,000 worth of PIP coverage, ($20,000 for medical costs, and $20,000 for other items). Overall Rates are determined by the driving habits of the drivers within a state. Many states now also use credit as a rating tool and having good credit can mean a lower rate. Minnesota determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Visit the Minnesota Department of Insurance for additional details at the Insurance Basics link on this site. |
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