Find the right car insurance policy for you.


If you live and drive in the Twin Cities, you probably already know that getting around can be challenging at times. Densely packed traffic and complex roadways generally indicate a higher risk for traffic accidents.

How can you find the right Minneapolis, MN car insurance for you and your family? A local independent agent in the Trusted Choice® network can help you compare Minneapolis auto insurance quotes from multiple insurers. Find an agent today for information about coverage options and ways to make your coverage as affordable as possible.

  • National average annual premium: $1,311
  • Minnesota average annual premium: $1,222
  • 29th most expensive premiums in the US

Premiums in Minnseota tend to be a little lower than the national average. However, Minneapolis car insurance rates tend to be higher because coverage in more densely populated areas is typically more expensive than in rural areas or small towns. Your own premium will depend upon a range of factors including your age, driving history, and the type of car you drive. A local agent will be a great resource to help you find the best price from a top rated insurer.

You can save on car insurance with a number of different strategies. You may be eligible for a discount if you do not drive daily, or if you bundle more than one policy with the same company. Many drivers are not even aware of these discounts. Talk with an independent agent in your neighborhood about the best options based on your specific needs.


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What Is Required Car Insurance in Minneapolis?

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured motorist: required
  • Minimum liability limits: 30/60/10
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $10,000 coverage for property damage.

Minnesota state law requires drivers to carry a minimum liability insurance policy. There are increasingly stiff penalties for failure to have the required limits: for the first offense, a fine of $200 to $1,000 and/or up to 90 days in jail; for subsequent convictions up to 10 years, a fine of $200 to $3,000 and/or up to one year in jail.

This coverage can also protect you from large financial losses in the event that you are at fault in an accident. In Minnesota, vehicle owners are also required to purchase uninsured motorists coverage in case another driver is at fault in an accident that causes you injury or property damage. Personal injury protection (PIP), which covers medical bills and lost wages, is also required.

Beyond that, you may need to carry full coverage if the lender providing your auto loan requires it. If you have additional drivers to add to your policy, or you want an advanced level of liability protection, you may want to add additional coverage.

A local agent can explain your Minneapolis car insurance options and associated costs, and help you explore the possibility of increasing your liability protection. Many people who want optimal coverage choose to buy an umbrella policy for financial protection in the event of a catastrophic accident.

Uninsured Motorists in Minnesota:

  • National uninsured motorists: 12.6%
  • Minnesota uninsured motorists: 10.8%
  • Minnesota average vehicle repair cost: $2,396

The percentage of Minnesota vehicle owners without required coverage is lower than the national average.  Uninsured motorist coverage can provide extra security and the peace of mind that comes from knowing that damages will be covered if an at-fault driver does not have liability insurance or the money to pay compensation.


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Car Thefts in Minnesota:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Minnesota vehicle thefts (per 1,000 registered vehicles): 1.74

Fewer cars are stolen in Minnesota than the rest of the nation, but there is always a risk that a thief will take your car. Your risk of this type of loss can be decreased by a few common-sense measures. Always lock your car and park it in secure or well-lit areas whenever possible. You can also protect your car from theft with a comprehensive auto policy, as well as improvements in security like anti-theft devices or GPS.

Find the Right Minneapolis Car Insurance for You

Your coverage needs and policy premium will depend upon a number of different variables. The price you pay will be affected by the ZIP code of your home address, the type of car you drive, whether you have teenaged drivers, and whether you use your vehicle for a work commute or weekend jaunts to the Boundary Waters. A local independent agent in the Trusted Choice network can help you compare Minneapolis auto insurance quotes and get a customized policy.

Contact a local agent today to compare auto coverage options in Minneapolis.

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