| As a "no-fault" state, Minnesota motorists are | | | | Comprehensive coverage gives protection for |
| responsible for their own repairs and medical | | | | damages caused by freak acts of nature or |
| expenses if in an accident...no matter which driver | | | | weather elements, fire, theft, vandalism and |
| is at fault. This places the burden of financial | | | | impacts with animals. Comprehensive coverage |
| responsibility on everyone involved in the accident, | | | | can provide peace of mind if you live in a high |
| so MN motorists are required to carry Personal | | | | crime area or where severe weather with hail or |
| Injury Protection (PIP) of at least $40,000. Bodily | | | | high winds occurs frequently. |
| Injury Liability is required as well, with limits of | | | | Depending on where you live in MN - whether in |
| $30,000 per individual and up to $60,000 coverage | | | | Minneapolis, Rochester, Plymouth, Burnsville, or |
| per accident. Minnesota also requires a minimum | | | | another city - the type of coverage will not solely |
| Property Damage Liability policy of $10,000. | | | | determine the amount of your car insurance rate. |
| Another type of auto insurance that's required in | | | | Other factors will also affect the premium. For |
| Minnesota is Uninsured/Underinsured Motorist | | | | example, the distance of your daily commute, |
| coverage, which has a limit of $25,000 per person | | | | your driving history, your age, your marital status, |
| and $50,000 per accident. | | | | the type of vehicle you own, and where you live. |
| With these protections, you'll have adequate | | | | Auto insurance providers may offer discounts for |
| coverage to protect you in most accidents, | | | | safe driving, driver's training, a good credit score, |
| whether a "hit and run" occurs, if you have an | | | | good school grades for student motorists, multiple |
| accident with someone who does not have car | | | | policies in your household, etc. So there's really no |
| insurance, or if you are in an accident due to | | | | set rate for various types of coverage. Every |
| someone else's negligence. | | | | premium is calculated based on facts about you, |
| Collision and Comprehensive Coverage in | | | | your vehicle and where you live as well as risk |
| Minnesota | | | | factors. |
| Minnesota does not require collision or | | | | As you shop for Minnesota car insurance, be sure |
| comprehensive coverage; however, your lender | | | | to visit a quote comparison website to compare |
| will likely require collision insurance if you are still | | | | several providers in your area. Look for a |
| paying back a car loan. Collision covers your own | | | | provider with a great rating and good customer |
| vehicle's repairs or replacement if you are in an | | | | service reputation. Make your comparison by |
| accident with another automobile, if your vehicle | | | | comparing apples with apples among providers. In |
| hits a fence or building, or if lose control and your | | | | other words, don't expect policies with different |
| car rolls over. Most drivers that own an expensive | | | | deductibles or coverage amounts to have similar |
| car or classic restored model, or even a newer | | | | rates. Consider all your options before purchasing |
| car do opt to purchase collision insurance. | | | | auto insurance in Minnesota. |