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Minnesota Car Insurance Quotes

Are you looking for Minnesota car insurance that doesn't empty your pockets? Are you sure your car insurance coverage will be sufficient when you need it? Finding an affordable car insurance policy can be difficult-but not with InsureMe! We work with some of Minnesota's top auto insurance carriers, and we can find you competitive car insurance rates in a world of ever-increasing premiums.

Just give us some information about yourself using our free quote box, and we'll put our agents to work immediately finding you the Minnesota car insurance you deserve.


Buying Minnesota Car Insurance

About 200 companies offer car insurance in Minnesota, so premiums tend to remain competitive. However, due to state requirements that Minnesotans carry four varying types of car insurance, cost is significantly higher in Minnesota than in neighboring states.

The four types of Minnesota car insurance required include Personal Injury Protection (PIP), Bodily Injury Liability, and both Uninsured and Underinsured Motorist.

PIP, also called "no-fault" insurance, is 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. $40,000 per person per accident is required.

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 car 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.

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

Insurance Shopping Tips

Looking for Minnesota car insurance can be a time-consuming process. If you know what to look for and what to ask, that search can be much less difficult.

Use these tips to help you find the best, most affordable Minnesota car insurance policy that meets your needs:

  • Comparison shop, obtaining several quotes
  • Find a licensed, reliable, helpful agent
  • Fill out applications completely and accurately
  • Ask questions to make sure you understand what you are buying-and do not sign anything until you do
  • Don't let anyone tell you what is best for you
  • Report harassment to the Minnesota Department of Commerce

About Cancellation/Nonrenewal

Your Minnesota car insurance company may cancel your policy within the first 59 days for any reason other than your employment, tenant status or lack of previous Minnesota car insurance. After the first 59 days, your policy may only be cancelled for the following reasons:

  • Nonpayment of premiums
  • Misrepresentation
  • False or fraudulent claims
  • Failure to disclose accidents or traffic violations occurring within the past 36 months
  • Certain health conditions
  • Refusal to cooperate in claims investigations
  • Failure to disclose involvement in a lawsuit
  • Failure to identify others in the household who should be insured under the policy
  • Unsafe car which endangers public safety

If You Can't Get Insurance…

You have guaranteed auto insurance coverage under the Minnesota Auto Insurance Plan. This plan provides you with a pool of licensed state insurers who must offer you coverage if you are not able to purchase a policy through usual means. This type of Minnesota car insurance can be costly, so exhaust all other resources before considering making application to this program.

Need more help?

Contact the Minnesota Department of Commerce for further questions about Minnesota car insurance. You may reach them at 800-657-3602, or online at www.commerce.state.mn.us.

Stop worrying and start saving!

Don't let your Minnesota car insurance premium keep you up at night. Get the sleep you need and the protection you deserve! Submit your information and let us get you up to five free, competitive quotes from car insurers in your area. Then just compare policies, see the savings for yourself and relax-you're in the capable hands of InsureMe!

Keep that money in your wallet and contact us today!


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