Auto Insurance
Drive Legally and Safely
To drive legally in the state of Minnesota, you need to carry auto insurance. This protects you and other motorists on the road in the case of accident, injury, and property damage.
Minimum auto insurance requirements in Minnesota
There are minimum requirements for auto insurance in Minnesota that you must meet:
- Liability: $30,000 for injuries to one person, $60,000 for injuries to two or more people, and $10,000 for damage to another driver’s vehicle and/or for other property damage, such as landscaping or fencing
- Personal injury protection (PIP): $40,000 per person per accident
- Uninsured coverage: $25,000 for injuries to one person and $50,000 for injuries to two or more people
- Underinsured coverage: $25,000 for injuries to one person and $50,000 for injuries to two or more people
Additional auto insurance options
As well as the mandatory required insurance to drive legally in Minnesota, we recommend purchasing additional types of auto insurance for your peace of mind:
- Collision coverage: protects your vehicle in the event of an accident so you can get back to normal as quickly as possible
- Comprehensive coverage: insures your vehicle for loss or damage due to fire, most natural disasters, vandalism, and theft
We suggest adding collision and comprehensive coverage if you drive an expensive vehicle, if you depend on your car for work or school, or if you would otherwise find your life turned upside down by the loss of your vehicle. We also recommend a minimum of $100,000/$300,000 for auto insurance bodily injury limits (or underinsured/uninsured motorist coverage).
Most people don’t want to be faced with the possibility of having to repair or replace their vehicle out of their own pocket after an accident. You may even be required to have this additional coverage if you are financing your vehicle.
Active Insurance Solutions: The Right Choice for You
At Active Insurance Solutions, we make selecting the right auto insurance policy easier for you. As independent agents, we have access to a wide range of insurance products to suit every personal requirement and budget. We work with more than 20 highly rated companies to give you the widest selection and personalized coverage.
Whether you’re looking for a new insurance agent, purchasing a new vehicle, or adding a young driver to your policy, we are here to make sure you understand your coverage and what to do in the event you need to file a claim.
Make sure you, your passengers, and other drivers aren’t at risk when you’re out on Minnesota’s beautiful roadways. Reach out online for a quote, or call Active Insurance Solutions at 952-479-5877 for the right coverage today.
Frequently Asked Questions About Minnesota Car Insurance
Minnesota minimums typically include bodily injury liability, property damage liability, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.
PIP in Minnesota covers medical expenses, lost wages, and certain replacement services after an accident, regardless of fault.
Yes, both uninsured and underinsured motorist coverages are required in Minnesota policies.
Most policies extend coverage to rental cars, but it depends on your specific policy. Coverage should be confirmed before renting.requirements can vary.
Full coverage is not required by law, but lenders often require it if you finance or lease a vehicle. It typically includes liability, collision, and comprehensive coverage for broader protection.
Actual cash value generally reflects a vehicle’s value at the time of loss, considering factors like age and depreciation. Replacement cost refers to the amount needed to replace an item with a similar one.
A policy endorsement is a modification that changes or adds to the terms of an insurance policy. It can be used to adjust coverage, limits, or conditions.
Endorsements become part of the policy once issued and may affect how coverage applies.
Coverage limits are the maximum amounts defined in a policy for different types of claims. These limits can apply per person, per accident, or per type of loss. Selecting appropriate limits is an important part of structuring a policy.
Uninsured and underinsured motorist coverage is intended to provide protection when another driver has no insurance or not enough coverage. It is typically subject to your policy’s limits and terms, and availability or requirements can vary.
Gap insurance can help cover the difference between a vehicle’s value and the remaining balance on a loan or lease. It is commonly associated with financed or leased vehicles. Availability and terms vary by policy.