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The Facts About Minneapolis Minnesota Auto Insurance

Before registering your car in St Paul, Minneapolis, Bloomington, and other parts of Minnesota, you'll need to meet the state's auto insurance requirements. In addition, you may choose to purchase coverage above and beyond the minimums to provide yourself with additional financial protection in case you get in an accident.

Minimum Liability Insurance Requirements in Minnesota

You need to have at least $10,000 of liability coverage for property damage, which includes other vehicles and structures. In addition, you need at least $30,000 per person and $60,000 per accident of personal injury liability coverage. This pays for injuries you cause to the other driver and passengers in the accident.

No-Fault Insurance: Personal Injury Protection

In addition to liability insurance, Minnesota includes a no-fault law that requires you to have personal injury protection coverage. This pays for your own costs if you're injured in a car accident. You have to have at least $40,000 of coverage, $20,000 of which is for medical expenses and the other $20,000 of which is for lost wages and other peripheral or indirect expenses.

Minnesota Requirements for Uninsured and Underinsured Motorist Coverage

The last requirement for your policy in St Paul, Bloomington, Minneapolis, and other parts of the state is that you need uninsured and underinsured motorist coverage. These pay for your medical expenses if the other driver doesn't have any or enough insurance and your PIP benefits run out. You need at least $25,000 of coverage per person and $50,000 per accident.

Compare Quotes for Minnesota Auto Insurance

Not all companies charge the same amount for the policy you want, so do your research. Use an independent agent like Allinsurance Agency to compare quotes from top insurance carriers in Minnesota. Your independent agent can not only gather quotes when you are first shopping for insurance, but also help you assess your coverage needs on a periodic basis. For example, if you add another driver to your policy, you may be better off with a different company. Your agent can also help you determine how much coverage to purchase.