Best Cheap Car Insurance in Minnesota

* Bodily Injury Liability

If you do bodily injury or death to others in a car-related claim or pedestrian, this coverage can help pay. The minimum limits in MN are 30/60. $30,000 limit per person and $60,000 per accident.  We recommend 100/300 or higher.

* Uninsured Motorist

If you’re in an accident that is not your fault, UM helps pay for medical expenses. The other driver needs to be at fault and not have any 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.

* 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.

* Underinsured Motorist

If you’re in an accident that is not your fault, UIM helps pay for medical expenses. The other driver needs to be at fault and not have enough 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.

* Personal Injury Protection

PIP is Minnesota No-Fault coverage. Basically, each company pays for its own medical bills. The minimum in MN is $20,000/$20,000 or $40,000. $20,000 for medical and $20,000 for wage loss, disability, or funeral costs. Stacking is the doubling of these limits after you have two or more autos insured. It increments with each additional auto you insure.

Comprehensive

Helps pay for repairs or replacements from fire, theft, deer, birds, animals, glass, etc. In Minnesota, you can remove the deductible by adding full glass coverage.

Collision

It helps pay for repairs or replacements if your vehicle is damaged in an accident. Generally, your vehicle is in motion.

Follow this link if you need more info on what is auto insurance.

WHO HAS THE LOWEST MINNESOTA CAR INSURANCE RATES?

There are lots of insurance companies 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, Hartford, Integrity Mutual, MET, North Star Mutual, RAM Mutual, Safeco, Secura, Selective, State Auto Travelers, United Fire Group, Western National Mutual Insurance, Wilson Mutual and many more.

It’s not like the good ole days when agents looked at charts and rate manuals. Credit scoring changed the way car insurance was sold in Minnesota. That combined with a computerized rating and now monitoring devices like SnapShot (Progressive) telematics; you can’t just say one company has the best car insurance rates anymore.  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 basically sold three ways;

1.  A direct writer only representing their brand.
2. Online, without the guidance of an experienced agent.
3. An independent insurance agent, representing multiple companies

We offer some other types of insurance: homeowners insurance, boat insurance, motorcycle insurance, 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.