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minnesota car insurance

Minnesota is the Land of 10,000 Lakes. Fitting, since Esurance provides 10,000 nuggets of wisdom (give or take several thousand) here about Minnesota car insurance.

No matter where you live in Minnesota — from Minneapolis to Minnetonka to Mankato (or even someplace beginning with another letter) — you can secure Esurance auto coverage and discover all the benefits that come with it.

When you start your free Minnesota car insurance quote, you can take advantage of our affordable rates, stellar savings options, and modern online tools. Plus, of course, the most informative insurance site on this, or any, side of the Mississippi!

Esurance Minnesota car insurance discounts

Home to the famous Mall of America, Minnesota could be considered the shopping epicenter of — well, America. Which is to say, residents in your state know good deals when they see them. And shopping for Minnesota auto insurance isn't complete without some nifty North Star State perks to boot.

Esurance can help you save big with these discounts:

  • Fast 5® discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Homeowners discount
  • Switch and Save® discount
  • Defensive Driver discount
  • Good Student discount
  • Anti-Theft discount

Discounts may vary. If you're a current Esurance policyholder with questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

Required Minnesota car insurance coverages

All Minnesota drivers are required to have a Minnesota no-fault policy with personal injury protection, liability insurance, and uninsured/underinsured motorist bodily injury coverage. You must have at least the following limits for each:

  • Personal injury protection (PIP)
    • PIP — medical coverage ($20,000 limit)
    • PIP — economic loss ($20,000 limit)
  • Liability coverage
    • $30,000 bodily injury coverage (one person)
    • $60,000 bodily injury coverage for 2 people or more
    • $10,000 property damage coverage

These liability limits are commonly written as 30/60/10.

  • Uninsured/underinsured motorist bodily injury coverage
    • $25,000 for injuries to one person
    • $50,000 for injuries to 2 people or more

Settling injury claims after an accident

Minnesota is a no-fault state, which means that each driver (and each driver's insurer) is financially responsible for his or her injuries in an accident, up to a set limit.

Minnesota no-fault helps cover medical-related bills after an accident. These expenses can include medical bills, replacement services, and income loss if you have to miss work.

Settling property damage claims after an accident

Since no-fault applies to bodily injury, if another driver damages your car or other property in an accident, you'd file a claim with that person's insurance company instead of your own. (That's what property damage liability coverage can help pay for.)

Optional car insurance coverages

On top of the required Minnesota car insurance coverages, drivers can also choose from these extra options when you get your Minnesota car insurance quote.

  • Comprehensive coverage (including glass coverage)
  • Collision coverage
  • Emergency road service
  • Rental car coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage

Comprehensive and collision coverages may be required (by a lease or finance company) if you lease or have a loan on your car.

Car repair shops in Minnesota

Esurance customers who take their cars to Esurance-approved shops can take advantage of RepairView®, an online repair monitoring feature, and guaranteed repairs for as long as they own their cars.

Find a repair shop in Minnesota.

Factors that can impact your Minnesota auto insurance premium

The following can affect your car insurance rate in Minnesota:

  • The coverages, limits, and deductibles you choose
  • Age, gender, and marital status
  • Vehicle year, make, and model
  • Annual mileage
  • Driving record and claims history
  • ZIP Code where your vehicle is kept
  • Discounts you qualify for
  • Credit-based insurance score

Minnesota driving trends

Uninsured drivers in Minnesota

A 2011 report from the Insurance Research Council estimated that 13 percent of Minnesota drivers were uninsured in 2009. That was in line with the national average of 13.8 percent.

Not having proof of insurance

Keep proof of your Minnesota auto insurance in your car at all times. If you're unable to provide proof of insurance, your license could be revoked.

Gopher State drivers can present their proof of auto insurance in the form of a digital ID card on their smartphones or other devices under state law. If you're covered by Esurance, check out our free mobile app so you can constantly access your ID cards and other important policy documents.

Your right to car insurance

Regardless of your driving record, you have the right to obtain car insurance in Minnesota. If you've been denied car insurance based on your driving history or other factors, contact a licensed agent about the Minnesota Automobile Insurance Plan (MNAIP).

Related links

Dangers of slow driving
Caution is key for any good motorist. But find out why there is such a thing as driving too slowly.

The Esurance Coverage Counselor®
Get a personalized Minnesota policy recommendation in just a few minutes.

Wonder if you could be saving on car insurance?

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or call 1-800-378-7262