Plymouth, MN Car Insurance

Even the most experienced drivers can sometimes cause collisions—particularly in the winter when snow and ice make driving in Plymouth hazardous. That is why Minnesota vehicle owners are required to have car insurance. From fender benders on Rockford Road to multi-car pileups on I-494, a reliable auto insurance policy can shield you from facing large financial losses.

Shopping for auto insurance is easy when you work with an independent insurance agent in Plymouth. These agents can provide you with a variety of car insurance quotes so you be sure you are purchasing a competitively priced policy.

How Much Does Auto Insurance Cost in Plymouth, Minnesota?

Minnesota is the 39th most expensive state for car insurance. The average car insurance rate in this state is lower than the national average; and in Plymouth, costs are even lower. The following figures can give you an estimate of how much you might be expected to pay. 

• National average annual car insurance cost: $1,311
• Minnesota average annual car insurance cost: $1,222
• Plymouth average annual car insurance cost: $1,147

Of course, your actual rates may be higher or lower than these average.s Car insurance costs can vary significantly from one driver to the next. This is because they are calculated according to several different factors, including:

• The make, model, year of the vehicle(s) you are insuring
• Your age, driving record, and credit score
• Whether you own or rent your home
• The accident and auto theft rates in the vicinity of your home
• Whether you are bundling your coverage with another policy like homeowners insurance or renters insurance, or you qualify for other available discounts

Because every insurance company has a different way of determining rates, comparison shopping can save you money. An independent agent in Plymouth can help you easily obtain and compare a selection of competitively priced quotes.

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Minnesota Car Insurance Requirements

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Required
• Uninsured motorist coverage: 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’s minimum coverage requirements are high enough cover you in the case of most collisions. However, if you are responsible for a major accident that involves serious injuries or excessive property damage, the resultant costs can easily exceed the limits of a minimum coverage policy. In that case, you would be responsible for making up the difference out of pocket. 

That is why many Plymouth vehicle owners choose to purchase car insurance with higher-than-required liability insurance limits. Some even choose to invest in an umbrella insurance policy to get even more liability coverage. An independent agent can help you get the liability coverage you want at the most affordable price.

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Number of Uninsured Motorists in Minnesota

If you are caught driving without car insurance in Minnesota, you can be penalized with stiff fines, the suspension of your license, and, potentially, even jail time. Despite this, one in ten drivers you are sharing the roads with in this state is operating an uninsured vehicle.

• How many US drivers are uninsured? 12.6%.
• How many Minnesota drivers are uninsured? 10.8%.

If you get in an accident that is the fault of an uninsured driver, that person is required to pay for the damage and any necessary medical treatment. Unfortunately, it can be very difficult and time-consuming to collect the reimbursement that is owed to you, particularly if the guilty party simply doesn’t have it.

Uninsured motorist insurance, which is required in the state of Minnesota, eliminates this risk. This insurance covers damage and injuries that may result if you are in a collision with an uninsured, underinsured, or hit-and-run driver. Your insurance company will absorb the costs if they are unable to collect the owed funds from the at-fault driver.

Number of Auto Thefts in Plymouth, MN

The auto theft rate in Minnesota is lower than the national average. In Plymouth, the risk is even lower. There are only about 35 vehicles stolen in this city each year, which, in a city this size, equates to a very low theft rate.

• National auto theft rate per 1,000 vehicles: 2.94
• Minnesota auto theft rate per 1,000 vehicles: 1.74
• Plymouth auto theft rate per 1,000 vehicles: 0.48

Comprehensive, or “other than collision,” insurance is needed for you to be compensated following an auto theft. This insurance is optional, but most lenders will require you to carry it until your loan is paid in full. Despite the low theft rate in Plymouth, this insurance can be quite beneficial.

Comprehensive insurance covers more than just auto theft. It also provides compensation for a wide range of non-collision damage, such as that caused by falling objects, floods, structure fires, and property crimes.

Why Work with an Independent Insurance Agent?

As a vehicle owner in Plymouth, you can turn to an independent agent for help when you are searching for the best car insurance. These local agents are free to work with a variety of insurance providers to help you find a solid, reliable, and affordable policy.

Find an agent in or near Plymouth to learn more. You can start comparing customized, competitively priced auto insurance quotes in no time.