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Auto Insurance in Minnesota

Minnesota auto insurance laws have some of the highest requirements of any of the states in the country. Minnesota drivers are required to have liability coverage, personal injury protection, and uninsured and under-insured motorist coverage. The limits that are necessary to drive legally include:

•     Liability Coverage
  •     $30,000 per person for injury and death coverage
  •     $60,000 per accident for injury and death coverage
  •     $10,000 per accident for property damage
•     Uninsured Motorist Coverage
  •     Same limits as Liability Coverage
•     Under-insured Motorist Coverage
  •     Same limits as Liability Coverage
•     Personal Injury Protection
  •     $40,000 per person per accident

Although this can seem confusing at first, the insurance companies will know what coverage you need and be able to explain things to you if you can't remember the information. You should always shop around and compare quotes and coverage amounts to determine which policy is best for your auto insurance needs.

Minimum coverage is good, but you should always consider purchasing higher limits if you can. Unless you have thousands of dollars to spend out-of-pocket on accident expenses, paying a little more each month for auto insurance is a smart decision. Overall, getting auto insurance in Minnesota shouldn't be complicated as long as you take the time to shop around.