At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Minnesota does not have to be a chore. Fill out one form and our licensed agents will match you with the Minnesota auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average Minnesota auto insurance premium in December 2011 was $1,258.00 for a 12-month policy. It appears that rates have increased since November 2011 when average rates in Minnesota were around $1,247.00 for a 12-month policy.
Average Premiums for Auto Insurance In Minnesota |
||||
| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $1257..00 | $1247..00 | $1203..00 | $1223.00 | $1203.00 |
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on Minnesota auto insurance. Be sure to ask your Minnesota car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
Minnesota Auto Insurance News
- Nearly two dozen Minnesota motorists cited for driving 100-plus mphTuesday, August 16, 2011
Minnesota Auto Insurance Coverage Requirements
Bodily Injury: Minnesota drivers are required by law to carry a minimum of $30,000 of bodily injury coverage with a maximum of $60,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in Minnesota must carry a minimum of $10,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
Minnesota Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on Minnesota car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Minnesota Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
Minnesota Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Minnesota:
The Top 10 Most Stolen Vehicles in Minnesota
Rank |
Year |
Vehicle |
1 |
1995 |
Honda Civic |
2 |
1994 |
Honda Accord |
3 |
1991 |
Toyota Camry |
4 |
1993 |
Chevrolet Full Size C/K 1500 Pickup |
5 |
1995 |
Oldsmobile Cutlass |
6 |
1995 |
Acura Integra |
7 |
1995 |
Ford Taurus |
8 |
1994 |
Dodge Caravan |
9 |
1995 |
Saturn Sl |
10 |
1998 |
Jeep Cherokee/Grand Cherokee |
Source: © 2007 National Insurance Crime Bureau.
Minnesota Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in Minnesota. Drivers shopping for Minnesota teen auto insurance should review the laws regarding young drivers in their state. A summary of Minnesota young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a Minnesota learners permit you must be of this minimum age: | 15 |
| Before getting a Minnesota drivers license you must have a learners permit for: | 6 months |
| Also, you must have this minimum amount of supervised driving time: | 30 hours, 10 of which must be at night |
| To earn a Minnesota driver's license you must be of the minimum age: | 16 |
| During your restricted license stage, you are not allowed to drive between: | first 6 months—midnight-5 am |
| Also, you are required to comply with the following passenger restrictions: | first 6 months—no more than 1 passenger younger than 20; second 6 months—no more than 3 passengers younger than 20 |
| The minimum age at which your restricted nighttime hours may be lifted in Minnesota is: | 16, 6 months |
| The minimum age at which your passenger restrictions may be lifted in Minnesota is: | 17 |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Minnesota.
Search for auto insurance in your Minnesota county:
- Aitkin
- Anoka
- Becker
- Beltrami
- Benton
- Big Stone
- Blue Earth
- Brown
- Carlton
- Carver
- Cass
- Chippewa
- Chisago
- Clay
- Clearwater
- Cook
- Cottonwood
- Crow Wing
- Dakota
- Dodge
- Douglas
- Faribault
- Fillmore
- Freeborn
- Goodhue
- Grant
- Hennepin
- Houston
- Hubbard
- Isanti
- Itasca
- Jackson
- Kanabec
- Kandiyohi
- Kittson
- Koochiching
- Lac Qui Parle
- Lake
- Lake Of The Woods
- Le Sueur
- Lincoln
- Lyon
- Mahnomen
- Marshall
- Martin
- Mcleod
- Meeker
- Mille Lacs
- Morrison
- Mower
- Murray
- Nicollet
- Nobles
- Norman
- Olmsted
- Otter Tail
- Pennington
- Pine
- Pipestone
- Polk
- Pope
- Ramsey
- Red Lake
- Redwood
- Renville
- Rice
- Rock
- Roseau
- Saint Louis
- Scott
- Sherburne
- Sibley
- Stearns
- Steele
- Stevens
- Swift
- Todd
- Traverse
- Wabasha
- Wadena
- Waseca
- Washington
- Watonwan
- Wilkin
- Winona
- Wright
- Yellow Medicine
For additional information about specific auto insurance laws in Minnesota, visit the Minnesota Department of Commerce: Insurance website.
