Minnesota Car Insurance

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Whether you live in Minneapolis, St Paul, Rochester, Duluth, Bloomington or somewhere in between, Insurox offers choices for car insurance that could help you save hundreds of dollars a year.

Why spending 15 or even 7 ½ minutes online and receive only one quote and not get the best offer?

For the same time you can get over ten car insurance quotes and COMPARE side-by-side, all in a matter of minutes and then buy and manage your insurance policies online.

We don’t work for the insurance company! We work for you! Our job is to shop for you and find the best solution for you.

As a proud member of the Minnesota community, we offer discounts to members of various college alumni groups, employers and associations across the state.

The North Star State is perfect for enjoying long drives with its 285,084 miles of road. However, don't forget about the 3.4 milion other drivers you share the road with.
Let us help you make the best choice for your car insurance.

Minnesota Car Insurance Coverage Information

In Minnesota you are legally required to have these minimum coverages:

Liability

Bodily Injury $30,000 per person
Bodily Injury $60,000 per accident
Property Damage $10,000 per accident

Personal Injury Protection

$20,000 Economic Loss per person
$20,000 Medical Expense per person

Uninsured/Underinsured Motorist

Bodily Injury $25,000 per person
Bodily Injury $50,000 per accident


Liability coverage is legally required in Minnesota and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In Minnesota, the minimum coverage is listed as 30/60/10 and explained below:

  • $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.

PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident.

In Minnesota, the minimum PIP coverage limit is $20,000 per person.

Uninsured/Underinsured Motorist coverage is legally required in Minnesota and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault.

The coverage limits are determined by each individual state and normally split into two categories.

In Minnesota, the minimum is listed as 25/50 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Most people opt for higher amounts of auto insurance coverage than the Minnesota minimum in order to protect themselves in case of an accident.

Did you know this about the North Star State?

Minnesota is ranked #28 in the US for uninsured drivers
The nation’s first Better Business Bureau was founded in Minneapolis in 1912
You can use digital insurance cards in Minnesota
The Mall of America in Bloomington is the size of 78 football fields --- 9.5 million square feet
Licensed drivers
68%
Uninsured drivers
18%
Population
318m

Find Car Insurance across The North Star State

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