| Minnesota's average car insurance premium was | | | | car rolls over. Most drivers that own an |
| $1,794 in 2009 whereas the average for the | | | | expensive car or classic restored model, or even |
| United States is $1,735. The rates aren't fixed | | | | a newer car do opt to purchase collision insurance. |
| by insurance providers as many consumers think, | | | | Comprehensive coverage gives protection for |
| so it's wise to shop around and try to find the | | | | damages caused by freak acts of nature or |
| best rate possible for your family. | | | | weather elements, fire, theft, vandalism and |
| As a "no-fault" state, Minnesota motorists are | | | | impacts with animals. Comprehensive coverage |
| responsible for their own repairs and medical | | | | can provide peace of mind if you live in a high |
| expenses if in an accident...no matter which driver | | | | crime area or where severe weather with hail or |
| is at fault. This places the burden of financial | | | | high winds occurs frequently. |
| responsibility on everyone involved in the accident, | | | | Depending on where you live in MN - whether in |
| so MN motorists are required to carry Personal | | | | Minneapolis, Rochester, Plymouth, Burnsville, or |
| Injury Protection (PIP) of at least $40,000. | | | | another city - the type of coverage will not solely |
| Bodily Injury Liability is required as well, with limits | | | | determine the amount of your car insurance |
| of $30,000 per individual and up to $60,000 | | | | rate. Other factors will also affect the |
| coverage per accident. Minnesota also requires a | | | | premium. For example, the distance of your |
| minimum Property Damage Liability policy of | | | | daily commute, your driving history, your age, |
| $10,000. Another type of auto insurance that's | | | | your marital status, the type of vehicle you own, |
| required in Minnesota is Uninsured/Underinsured | | | | and where you live. Auto insurance providers |
| Motorist coverage, which has a limit of $25,000 | | | | may offer discounts for safe driving, driver's |
| per person and $50,000 per accident. | | | | training, a good credit score, good school grades |
| With these protections, you'll have adequate | | | | for student motorists, multiple policies in your |
| coverage to protect you in most accidents, | | | | household, etc. So there's really no set rate for |
| whether a "hit and run" occurs, if you have an | | | | various types of coverage. Every premium is |
| accident with someone who does not have car | | | | calculated based on facts about you, your vehicle |
| insurance, or if you are in an accident due to | | | | and where you live as well as risk factors. |
| someone else's negligence. | | | | As you shop for Minnesota car insurance, be sure |
| Collision and Comprehensive Coverage in | | | | to visit a quote comparison website to compare |
| Minnesota | | | | several providers in your area. Look for a |
| Minnesota does not require collision or | | | | provider with a great rating and good customer |
| comprehensive coverage; however, your lender | | | | service reputation. Make your comparison by |
| will likely require collision insurance if you are still | | | | comparing apples with apples among providers. |
| paying back a car loan. Collision covers your own | | | | In other words, don't expect policies with |
| vehicle's repairs or replacement if you are in an | | | | different deductibles or coverage amounts to |
| accident with another automobile, if your vehicle | | | | have similar rates. Consider all your options |
| hits a fence or building, or if lose control and your | | | | before purchasing auto insurance in Minnesota. |