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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 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 that empower you to make smart decisions. Plus, of course, the most informative insurance site on this, or any, side of the Mississippi!

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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:

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).

get esurance emergency roadside assistance for free in minnesota

Speaking of good deals, drivers who carry comprehensive and collision coverages on their Esurance auto policies in the North Star State can look forward to emergency roadside assistance at no extra cost to them.** That's free coverage for a tow if you experience a mechanical breakdown far from home, lockout services if you lock your keys in your car, and gas, oil, and water delivery if your car runs out of fluids.

You'll even receive detailed status updates sent to your phone so you'll have a good idea of when help will arrive. How's that for convenience and peace of mind?

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:

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

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 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. It's our commitment to making the auto insurance process smarter.

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:

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).

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?

Get your free quote online.

Or call 1-800-378-7262.

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