Enter your ZIP code:

Minnesota Auto Insurance Quotes and Information

Purchasing Minnesota auto insurance in a market of ever-increasing premiums can be a scary prospect. Auto insurance costs have increased steadily over the past five years, making finding an affordable auto insurance policy difficult.

Let InsureMe help! As the first online auto insurance quoting service, we contract with some of the state's chief auto insurers—and we know how to find you the most competitive auto insurance rates. Use our free quote box to let us know about yourself and your driving habits, and we'll put our agents to work for you right away!

Don't risk putting yourself and your loved ones at risk every time you get in your car. Contact InsureMe and get the Minnesota auto insurance you need today!


Minnesota's Auto Insurance Market

Minnesota auto insurance is a competitive market, with about 200 companies competing for your auto insurance business. Still, auto insurance costs significantly more in Minnesota than in neighboring states. This is due, in part, to the state's requirement that residents carry all four of the following types of insurance coverage:

Personal Injury Protection (PIP): also called "no-fault" insurance. Designed to pay medical expenses and lost earnings for a driver or passenger injured in or by your car, regardless of who is at fault. Minimum required is $40,000 per person per accident.

Bodily Injury Liability: protects you against claims alleging your negligence or fault in an accident. State-mandated minimums are $30,000 per person, $60,000 per accident and $10,000 for property damage.

Uninsured Motorist: pays for your medical expenses after you have exhausted your PIP benefits and when the other driver is at fault but has no Minnesota auto insurance. Required minimums are $25,000 per person and $50,000 per accident.

Underinsured Motorist: covers personal injury or property damage caused by an underinsured driver. At least $25,000 per person and $50,000 per accident is required.

Please note: if you still owe money on your car, your lender will also require you to carry comprehensive and collision coverage, which protect your own car against damage.

Auto Insurance Is…

  • A way for Minnesota auto insurance companies to share claims risk among a particular group of people
  • A state requirement
  • Varied, with both established minimums and other available options exceeding those minimums

Auto Insurance Is Not…

  • A savings account from which you can withdraw money when you need it
  • Limitless; all Minnesota auto insurance policies have limitations
  • Guaranteed; your insurance company may cancel or nonrenew your policy based on your driving record or other factors

Policy Cost

The price you pay for your Minnesota auto insurance depends on:

  1. Coverages you add above state minimums
  2. Your age and gender
  3. The type of vehicle you drive
  4. How many miles you drive annually
  5. Where you live
  6. Your driving record
  7. Discounts applied to your premiums
  8. Surcharges due to traffic violations or accidents
  9. How high you set your deductibles

You can offset some of these costs by comparison shopping, comparing rates from more than one Minnesota auto insurance company; setting your deductibles as high as you can afford; and asking for all possible discounts.

What to Do If You Can't Find Insurance

All Minnesota residents are guaranteed auto insurance coverage under the Minnesota Auto Insurance Plan. If you are not able to purchase a policy through ordinary channels, this plan provides you with a pool of licensed state insurers who must offer you coverage after prequalification. This type of policy is, however, more costly, so exhaust all other resources before considering this type of coverage.

For More Help with Your Auto Insurance Needs

The Minnesota Department of Commerce is available to answer any questions you have about your Minnesota auto insurance. Contact them at 800-657-3602, or online at www.commerce.state.mn.us.

Ready to start saving?

You don't have to pay exorbitant rates for your Minnesota auto insurance—help is available! Whether you're looking for a new policy due to cancellation or you need insurance for a new car, InsureMe can help!

Contact us today to get in on the savings…what do you have to lose?


Free Auto Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  

List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10915
101 Wyoming Auto Insurance youcomparequotes 10812
100 Wisconsin Car Insurance youcomparequotes 10437
99 Wisconsin Auto Insurance youcomparequotes 10520
98 West Virginia Car Insurance youcomparequotes 11438
97 West Virgina Auto Insurance youcomparequotes 10384
96 Washington, D.C. Car Insurance youcomparequotes 12038
95 Washington, D.C. Auto Insurance youcomparequotes 11067
94 Washington Car Insurance Quotes youcomparequotes 11548
93 Washington Auto Insurance Quotes youcomparequotes 11212
92 Virginia Car Insurance youcomparequotes 10879
91 Virginia Auto Insurance Quotes youcomparequotes 10892
90 Vermont Car Insurance youcomparequotes 13127
89 Vermont Auto Insurance youcomparequotes 10164
88 Utah Car Insurance youcomparequotes 10823
87 Utah Auto Insurance youcomparequotes 10627
86 Texas Car Insurance Quotes youcomparequotes 10850
85 Texas Auto Insurance Quotes youcomparequotes 10848
84 Tennessee Car Insurance youcomparequotes 10457
83 Tennessee Auto Insurance youcomparequotes 11031
82 South Dakota Car Insurance youcomparequotes 10693
81 South Dakota Auto Insurance youcomparequotes 9969
80 South Carolina Car Insurance youcomparequotes 10888
79 South Carolina Auto Insurance youcomparequotes 10765
78 Rhode Island Car Insurance youcomparequotes 10241
77 Rhode Island Auto Insurance youcomparequotes 10614
76 Pennsylvania Car Insurance Quotes youcomparequotes 10943
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11444
74 Oregon Car Insurance Quotes youcomparequotes 11099
73 Oregon Auto Insurance Quotes youcomparequotes 10754
72 Oklahoma Car Insurance youcomparequotes 10802
71 Oklahoma Auto Insurance youcomparequotes 10773
70 Ohio Car Insurance Quotes youcomparequotes 10504
69 Ohio Auto Insurance Quotes youcomparequotes 10429
68 North Dakota Car Insurance youcomparequotes 10510
67 North Dakota Auto Insurance youcomparequotes 10906
66 North Carolina Car Insurance youcomparequotes 14212
65 North Carolina Auto Insurance youcomparequotes 11194
64 New York Car Insurance Quotes youcomparequotes 10428
63 New York Auto Insurance Quotes youcomparequotes 11409
62 New Mexico Car Insurance youcomparequotes 9884
61 New Mexico Auto Insurance youcomparequotes 10003
60 New Jersey Car Insurance youcomparequotes 10232
59 New Jersey Auto Insurance youcomparequotes 10371
58 New Hampshire Car Insurance youcomparequotes 11283
57 New Hampshire Auto Insurance youcomparequotes 10896
56 Nevada Car Insurance youcomparequotes 10606
55 Nevada Auto Insurance youcomparequotes 10639
54 Nebraska Car Insurance youcomparequotes 10300
53 Nebraska Auto Insurance youcomparequotes 11265
52 Montana Car Insurance youcomparequotes 10325
51 Montana Auto Insurance youcomparequotes 10467
50 Missouri Car Insurance youcomparequotes 10625
49 Missouri Auto Insurance youcomparequotes 10523
48 Mississippi Car Insurance youcomparequotes 10935
47 Mississippi Auto Insurance youcomparequotes 10842
46 Minnesota Car Insurance Quotes youcomparequotes 11071
» Minnesota Auto Insurance Quotes and Information youcomparequotes 11176
44 Michigan Car Insurance youcomparequotes 10259
43 Michigan Auto Insurance youcomparequotes 9989
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17298
41 Massachusetts Auto Insurance Reform youcomparequotes 11076
40 Maryland Car Insurance youcomparequotes 11282
39 Maryland Auto Insurance youcomparequotes 11300
38 Maine Auto Insurance youcomparequotes 10950
37 Louisiana Car Insurance youcomparequotes 11249
36 Louisiana Auto Insurance youcomparequotes 10598
35 Kentucky Car Insurance youcomparequotes 10699
34 Kentucky Auto Insurance youcomparequotes 10416
33 Kansas Car Insurance youcomparequotes 10240
32 Kansas Auto Insurance youcomparequotes 10670
31 Iowa Car Insurance youcomparequotes 10532
30 Iowa Auto Insurance youcomparequotes 10547
29 Indiana Car Insurance youcomparequotes 10501
28 Indiana Auto Insurance youcomparequotes 10466
27 Illinois Car Insurance youcomparequotes 10483
26 Illinois Auto Insurance youcomparequotes 10129
25 Idaho Car Insurance youcomparequotes 10352
24 Idaho Auto Insurance youcomparequotes 10437
23 Hawaii Car Insurance youcomparequotes 10784
22 Hawaii Auto Insurance youcomparequotes 10871
21 Georgia Car Insurance youcomparequotes 10091
20 Georgia Auto Insurance Quotes youcomparequotes 10985
19 Florida Car Insurance Quotes youcomparequotes 12485
18 Florida Auto Insurance Quotes youcomparequotes 10426
17 Find Maine Car Insurance youcomparequotes 10393
16 Delaware Car Insurance youcomparequotes 10684
15 Delaware Auto Insurance youcomparequotes 10562
14 Connecticut Car Insurance youcomparequotes 10479
13 Connecticut Auto Insurance youcomparequotes 10306
12 Colorado Car Insurance Quotes youcomparequotes 10490
11 Colorado Auto Insurance youcomparequotes 10043
10 California Car Insurance Quotes youcomparequotes 10986
9 California Auto Insurance Quotes youcomparequotes 11128
8 Arkansas Car Insurance youcomparequotes 11357
7 Arkansas Auto Insurance youcomparequotes 10663
6 Arizona Car Insurance Quotes youcomparequotes 10617
5 Arizona Auto Insurance youcomparequotes 11052
4 Alaska Car Insurance youcomparequotes 10802
3 Alaska Auto Insurance youcomparequotes 11592
2 Alabama Car Insurance youcomparequotes 10271
1 Alabama Auto Insurance youcomparequotes 10774
XE Login