Is auto insurance required in Minnesota?
Yes, it is illegal to drive without car insurance in the state of Minnesota.
What is the minimum car insurance coverage required in Minnesota?
Minnesota requires the following coverage amounts:
Coverage
Amount
Personal injury protection
$40,000 per person
Bodily injury to others
$30,000 per person; $60,000 per incident
Property damage liability
$10,000 per incident
Uninsured and underinsured motorist bodily injury
$25,000 per person; $50,000 per incident
Do I need insurance to register a car in Minnesota?
Yes, you must have the minimum insurance coverages listed above to register a vehicle in Minnesota.
Does insurance follow the car or driver in Minnesota?
In most cases, car insurance follows the vehicle, not the driver. If someone driving the vehicle is involved in an accident and they are insured under the auto insurance policy, they may be covered. However, personal injury protection follows the driver on the auto insurance policy.
If you have questions about a specific situation, contact your independent insurance agent.
What is the average cost of car insurance in Minnesota?
Costs will vary based on multiple factors. It’s easy to choose the right insurance when you work with an independent insurance agent. They can find coverage to fit your budget and needs. Contact an independent agent to get a quote and learn more about the options Integrity has to offer.
Can I insure a car I don’t own in Minnesota?
Yes, however, “insurable interest” is required. If you don't own the vehicle but would still suffer a financial loss if it were damaged or involved in an accident, you may have an insurable interest. There are other factors that should be considered when insuring a car you don’t own, so it’s important to discuss this topic with your independent insurance agent.
Is Minnesota a no-fault car insurance state?
Yes, Minnesota is a no-fault state. This means that if you are in an accident, you will likely need to use your own insurance to cover injuries and financial losses, regardless of who is determined to be at fault.
If you have questions about how Minnesota’s no-fault status impacts your coverage, your independent insurance agent or claim representative can help you understand your individual situation.