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minnesota car insurance that’s right for you, not someone sorta like you

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 can come with it.

When you start your personalized Minnesota car insurance quote, you can take advantage of our affordable rates, stellar savings options, and convenient online tools and tech. 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 could help you save big with these discounts:

  • Fast 5® discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Homeowners discount
  • DriveSense™ discount
  • Switch and Save® discount
  • Defensive Driver discount
  • Good Student discount
  • Anti-Theft discount
  • Multi-Policy 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 (PIP), liability insurance, and uninsured/underinsured motorist bodily injury coverage. You must have at least the following limits for each:

  • Personal injury protection
    • 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 motorist bodily injury coverage
    • $25,000 for injuries to one person
    • $50,000 for injuries to 2 or more people
  • Underinsured motorist bodily injury coverage
    • $25,000 for injuries to one person
    • $50,000 for injuries to 2 or more people
  • 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 what's required by Minnesota law, drivers can also choose from these extra auto insurance discount options:

    • Comprehensive
    • Collision
    • Emergency Roadside Service
    • CarMatch Rental Coverage®
    • Customized parts and equipment
    • Loan/lease gap

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

    But other than that, CoverageMyWay™, only from Esurance, can help you prioritize coverage options based on the info you provide during your online quote.

    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 could impact your auto insurance premium

    The following may 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 report from the Insurance Research Council estimated that 10.8 percent of Minnesota drivers were uninsured in 2012. That was below the national average of 12.6 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 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 personalized Minnesota coverage options in just a few minutes.

    Wonder if you could be saving on car insurance?

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