minnesota car insurance
Minnesota is known as the Land of 10,000 Lakes. And our Minnesota car insurance guide has 10,000 nuggets of wisdom, give or take several thousand, about Minnesota car insurance, Esurance perks, and more.
Minnesota car insurance
All Minnesota drivers are required to have the following coverages and at least the following limits:
- Personal injury protection (PIP)
- PIP – medical coverage
- PIP – economic loss
- 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
Uninsured drivers in Minnesota
A recent 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.
Esurance in Minnesota
We first brought our technology-driven, customer-focused car insurance to Minnesota in 2005.
Optional car insurance coverages in Minnesota
- Comprehensive coverage (including glass replacement coverage)
- Collision coverage
- Emergency road service coverage
- 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.
Esurance discounts in Minnesota
New Esurance policyholders in Minnesota could save big with these car insurance discounts:
- Fast 5® discount (save 5 percent for starting your quote online)
- 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).
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 premium
The following can affect your car insurance rate in Minnesota:
- The coverages, limits, and deductibles you choose
- Vehicle type
- Annual mileage
- Driving record
- ZIP Code
- Discounts you qualify for
- Credit-based insurance score
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).
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.
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.
No-fault insurance helps cover medical-related 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.)
Minnesota driving trends
Year after year, driving fatalities have decreased in Minnesota. In 2010, there were 411 traffic-accident deaths, a small drop from 421 in 2009 (and an even bigger drop from 455 in 2008).
The majority of Minnesotans own homes (about 72.6 percent). This can impact your car insurance rates, since many insurers, including Esurance, offer a homeowners discount.
Minnesota driving info
Esurance's guide to driving in Minnesota is packed with traffic laws and notable stats.
The Esurance Coverage Counselor®
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