Car Insurance
PERSONAL CAR INSURANCE
PROTECT YOUR CAR.
PROTECT YOUR FAMILY.
Reliable car insurance for Minnesota drivers. Whether you commute every day, drive the kids to school, or just want better coverage at a better price, Insuring Minnesota compares options from top-rated insurance companies.
- Liability Coverage
- Comprehensive Coverage
- Personal Injury Protection
- Uninsured/Underinsured Motorist
- Collision Coverage
- Roadside Assistance Options
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MINNESOTA CAR INSURANCE RATES, FACTS, AND INFORMATION
Minnesota law requires drivers to carry car insurance. Over 5 million vehicles are licensed in the state. That’s a lot of cars, trucks, and motorcycles! All of them need auto insurance, and we would like you to understand what it is. Additionally, explore low-cost Minnesota car insurance rates.
Car insurance has seven primary coverages
* Bodily Injury Liability
If you cause bodily injury or death to others in a car-related claim or to a pedestrian, this coverage can help pay. The minimum limits in MN are 30/60. A $30,000 limit per person and a $60,000 limit per accident. We recommend 100/300 or higher.
* Property Damage Liability
If you are in an accident that is your fault, this coverage helps pay for property damage, such as vehicles, houses, buildings, and other structures. The minimum limit in MN is $10,000. We recommend $100,000 or higher.
* Personal Injury Protection
PIP is Minnesota’s No-Fault coverage. Essentially, each company covers its own medical expenses. The minimum in Minnesota is $20,000/$20,000 or $40,000. $20,000 for medical and $20,000 for wage loss, disability, or funeral costs. Stacking doubles these limits after you have two or more autos insured. It increments with each additional auto insurance policy you have.
* Uninsured Motorist
If you’re in an accident that is not your fault, UM helps pay for medical expenses. The other driver must be at fault and have no liability insurance. The minimum in MN is 25/50. $25,000 per person and $50,000 per accident. We recommend 100/300 or higher. Remember, this is coverage that can benefit YOU.
* Underinsured Motorist
Comprehensive
Collision
WHO HAS THE LOWEST MINNESOTA CAR INSURANCE RATES?
Many insurance companies are licensed to sell car insurance in Minnesota. Companies like Progressive, AAA, State Farm, Auto-Owners, Allstate, Farmers, Acuity, Allied, American Family, Main Street America, Cincinnati Insurance, Dairyland, Great Northwestern, The Hartford, Integrity Mutual, MET, North Star Mutual, RAM Mutual, Safeco, Secura, Selective, State Auto Travelers, United Fire Group, Western National Insurance, Encova, and many more.
It’s not like the good old days when agents looked at charts and rate manuals. Credit scoring changed the way car insurance was sold in Minnesota. Combined with computerized rating and now monitoring devices like SnapShot (Progressive) telematics, you can no longer say one company has the best car insurance rates. There are so many variables. We recommend shopping multiple carriers every three years for maximum savings.
MINNESOTA CAR INSURANCE AGENT
The right car insurance agent in Minnesota is also one of the key ingredients in helping you secure the right protection at the right price. Car insurance is sold in three ways;
- A direct writer represents only its own brand.
- Online, without the guidance of an experienced agent.
- An independent insurance agent, representing multiple companies
We also offer homeowners, boat, motorcycle, and life insurance. We also offer business insurance, general liability insurance, commercial auto insurance, workers’ compensation insurance, contractor insurance, restaurant insurance, business owners policy, tow truck insurance, liquor liability insurance, and bonds.
READY FOR A QUOTE, LOW-COST MINNESOTA CAR INSURANCE RATES
We make getting car insurance in Minnesota so easy. Working with drivers statewide, we have it down to a science!
Our goal is to give you the best insurance deal the first time. Let us shop multiple insurance companies, saving you both time and money. Bundling with homeowners, condo, townhome, or renter’s insurance policy can also bring additional discounts. We will deliver comprehensive coverage at a price that is easy on the budget. Additionally, our experienced car insurance agents will be happy to help answer your questions. Ask your questions; they are always free!
Yes, sign me up right now! We will send you the papers to sign electronically with your finger on your smartphone or computer. Click, click, click, they come back to us automatically with no printing, faxing, or scanning required. It’s fast & super easy.
Your down payment is handled the old-fashioned way, by phone. Some things are just better like that, secure. Our insurance companies have flexible payment plans and low down payments.
You have made a quality-informed decision and have the right Minnesota car insurance at the best price
BUY CHEAP CAR INSURANCE FROM US NOW!
Our goal at Insuring Minnesota is to ensure you have the right Minnesota car insurance rates and coverage (Yes! The lowest rates possible). Then, we will save you time and money by shopping multiple insurance carriers. Car insurance companies are not created equal.
With roots dating back to 1982, we are the experts, and our agents average 17 years of experience in the business. We are on your side, and that makes a difference. We work with drivers throughout Minnesota, saving them money with proper protection. Give us a try, and you won’t be disappointed with the low rates or great service.
You worked hard every day for your money. Let us save you some time and some money. We are the solution to your car insurance needs. Helpful, knowledgeable, honest, and professional- that’s just how we roll.
It’s time to get your Minnesota Car Insurance Quote. Low-cost insurance is just a click away!