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 10769
101 Wyoming Auto Insurance youcomparequotes 10668
100 Wisconsin Car Insurance youcomparequotes 10285
99 Wisconsin Auto Insurance youcomparequotes 10371
98 West Virginia Car Insurance youcomparequotes 11290
97 West Virgina Auto Insurance youcomparequotes 10234
96 Washington, D.C. Car Insurance youcomparequotes 11821
95 Washington, D.C. Auto Insurance youcomparequotes 10918
94 Washington Car Insurance Quotes youcomparequotes 11400
93 Washington Auto Insurance Quotes youcomparequotes 11068
92 Virginia Car Insurance youcomparequotes 10725
91 Virginia Auto Insurance Quotes youcomparequotes 10746
90 Vermont Car Insurance youcomparequotes 12963
89 Vermont Auto Insurance youcomparequotes 10016
88 Utah Car Insurance youcomparequotes 10677
87 Utah Auto Insurance youcomparequotes 10490
86 Texas Car Insurance Quotes youcomparequotes 10728
85 Texas Auto Insurance Quotes youcomparequotes 10725
84 Tennessee Car Insurance youcomparequotes 10172
83 Tennessee Auto Insurance youcomparequotes 10955
82 South Dakota Car Insurance youcomparequotes 10621
81 South Dakota Auto Insurance youcomparequotes 9896
80 South Carolina Car Insurance youcomparequotes 10815
79 South Carolina Auto Insurance youcomparequotes 10692
78 Rhode Island Car Insurance youcomparequotes 10169
77 Rhode Island Auto Insurance youcomparequotes 10540
76 Pennsylvania Car Insurance Quotes youcomparequotes 10871
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11350
74 Oregon Car Insurance Quotes youcomparequotes 11027
73 Oregon Auto Insurance Quotes youcomparequotes 10682
72 Oklahoma Car Insurance youcomparequotes 10717
71 Oklahoma Auto Insurance youcomparequotes 10603
70 Ohio Car Insurance Quotes youcomparequotes 10330
69 Ohio Auto Insurance Quotes youcomparequotes 10355
68 North Dakota Car Insurance youcomparequotes 10438
67 North Dakota Auto Insurance youcomparequotes 10834
66 North Carolina Car Insurance youcomparequotes 14122
65 North Carolina Auto Insurance youcomparequotes 11115
64 New York Car Insurance Quotes youcomparequotes 10355
63 New York Auto Insurance Quotes youcomparequotes 11197
62 New Mexico Car Insurance youcomparequotes 9812
61 New Mexico Auto Insurance youcomparequotes 9931
60 New Jersey Car Insurance youcomparequotes 10160
59 New Jersey Auto Insurance youcomparequotes 10299
58 New Hampshire Car Insurance youcomparequotes 11194
57 New Hampshire Auto Insurance youcomparequotes 10823
56 Nevada Car Insurance youcomparequotes 10533
55 Nevada Auto Insurance youcomparequotes 10565
54 Nebraska Car Insurance youcomparequotes 10210
53 Nebraska Auto Insurance youcomparequotes 11115
52 Montana Car Insurance youcomparequotes 10235
51 Montana Auto Insurance youcomparequotes 10393
50 Missouri Car Insurance youcomparequotes 10553
49 Missouri Auto Insurance youcomparequotes 10451
48 Mississippi Car Insurance youcomparequotes 10861
47 Mississippi Auto Insurance youcomparequotes 10482
46 Minnesota Car Insurance Quotes youcomparequotes 10998
» Minnesota Auto Insurance Quotes and Information youcomparequotes 11094
44 Michigan Car Insurance youcomparequotes 10187
43 Michigan Auto Insurance youcomparequotes 9917
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17132
41 Massachusetts Auto Insurance Reform youcomparequotes 11004
40 Maryland Car Insurance youcomparequotes 11194
39 Maryland Auto Insurance youcomparequotes 11213
38 Maine Auto Insurance youcomparequotes 10878
37 Louisiana Car Insurance youcomparequotes 11072
36 Louisiana Auto Insurance youcomparequotes 10526
35 Kentucky Car Insurance youcomparequotes 10586
34 Kentucky Auto Insurance youcomparequotes 10338
33 Kansas Car Insurance youcomparequotes 10167
32 Kansas Auto Insurance youcomparequotes 10596
31 Iowa Car Insurance youcomparequotes 10386
30 Iowa Auto Insurance youcomparequotes 10337
29 Indiana Car Insurance youcomparequotes 10429
28 Indiana Auto Insurance youcomparequotes 10394
27 Illinois Car Insurance youcomparequotes 10411
26 Illinois Auto Insurance youcomparequotes 10058
25 Idaho Car Insurance youcomparequotes 10280
24 Idaho Auto Insurance youcomparequotes 10366
23 Hawaii Car Insurance youcomparequotes 10713
22 Hawaii Auto Insurance youcomparequotes 10800
21 Georgia Car Insurance youcomparequotes 10019
20 Georgia Auto Insurance Quotes youcomparequotes 10914
19 Florida Car Insurance Quotes youcomparequotes 11650
18 Florida Auto Insurance Quotes youcomparequotes 10354
17 Find Maine Car Insurance youcomparequotes 10322
16 Delaware Car Insurance youcomparequotes 10594
15 Delaware Auto Insurance youcomparequotes 10490
14 Connecticut Car Insurance youcomparequotes 10407
13 Connecticut Auto Insurance youcomparequotes 10166
12 Colorado Car Insurance Quotes youcomparequotes 10419
11 Colorado Auto Insurance youcomparequotes 9971
10 California Car Insurance Quotes youcomparequotes 10913
9 California Auto Insurance Quotes youcomparequotes 11051
8 Arkansas Car Insurance youcomparequotes 10357
7 Arkansas Auto Insurance youcomparequotes 10591
6 Arizona Car Insurance Quotes youcomparequotes 10546
5 Arizona Auto Insurance youcomparequotes 10979
4 Alaska Car Insurance youcomparequotes 10586
3 Alaska Auto Insurance youcomparequotes 11510
2 Alabama Car Insurance youcomparequotes 10198
1 Alabama Auto Insurance youcomparequotes 10741
XE Login