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For Comparison Car Insurance in all U.S. states, as well as top U.S. colleges, data pertaining to American states, cool destinations on a budget, and more, visit any of the links shown below.
Or read this page to find the best rates on Minnesota Car Insurance.
Learn about average premiums on Minnesota car insurance, and how to score the lowest possible policy premium rates.
Following these few simple steps can save you literally hundreds of dollars a year on Minnesota car insurance.
Average Auto Insurance Rates
The Average Annual Premium on Car Insurance in the state of Minnesota was $1,257 last year. This was slightly lower than the national average of $1,347.
Minnesota's average premium might have been even lower, if not for the state's alarmingly high rate of DUI convictions and harsh weather conditions, along with the fact that Minnesota is a “no-fault” state for car insurance.
No-fault laws lead to increased premiums, although details vary from state to state.
One reason why Minnesota's comparison car insurance premiums are lower than the national average may have to do with the state's strong economy, low population density, low crime rates, and a low percentage of uninsured drivers on the road.
Minimum Liability Coverage
According to state law, Minnesota drivers are required to purchase at least 30/60/10 coverage for each owned vehicle.
That means a minimum of $30,000 in coverage for personal injury to the driver, $60,000 in coverage for expenses of others who are injured, and no less than $10,000 in coverage against damage to personal property.
The minimum required coverage in Minnesota is high compared to other U.S. states.
Part of the reason for this may be that Minnesota ranks fifth among states in DUI deaths. Roughly 125 DUI deaths are reported each year throughout the state of Minnesota.
Penalties for Uninsured Drivers
For a first offense, getting ticketed for driving without insurance in Minnesota is punishable by a fine of up to a thousand dollars and/or up to three months in jail.
Repeat convictions within a ten-year time span result in fines of up to $3,000 and up to one year in jail.
Low Cost Car Insurance Programs
Minnesota car insurance carriers typically offer various discount programs to promote healthy driving habits.
Accident-Free discounts and Good-Driver discounts are for car owners who drive safely.
Defensive Driving Course discounts are for senior citizens who complete an approved course,
Good Student discounts are for full time students who earn good grades.
Other available discounts may include Multiple Auto discounts, Multiple Policy discounts, Vehicle Safety discounts, Passive Restraint discounts, and more.
Just ask insurance agents about their discounts, and run your own comparison car insurance study.
According to consumer reviews, many Minnesota car owners opt for major insurance carriers like Auto Owners Insurance, The Hartford, Geico, and 21st Century.
Still, some Minnesota drivers opt for lesser known local favorites like American Family Insurance, Farm Bureau, Western National or Insurance Brokers of Minnesota.
In any case, Minnesota is saturated with auto insurance carriers providing coverage at competitive rates.
Simply call several brokers near you for further information. Obtain and compare free online quotes. Don't forget to ask about their discounts.
Then choose the cheapest premium package that best fits your needs.
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