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For Comparison Car Insurance in all U.S. states, visit the link shown below.

This page will help you find the best rates 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.

Premiums would probably have been even lower, if not for the state's alarmingly high rate of DUI convictions, harsh weather conditions, and 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 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 not too many 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's $30,000 in coverage for personal injury to the driver, $60,000 in coverage for expenses of others who are injured, and $10,000 in coverage against property damage.

The minimum required coverage in Minnesota is high compared to other U.S. states. Part of the reason may be that Minnesota ranks fifth among states in DUI deaths. Roughly 125 deaths of this kind are reported each year throughout the state.

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 discount comparison study.

Comparison Car Insurance Quotes

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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