The Land of 10,000 Lakes is worth exploring if you’re willing to take to the road. Whether you’re ice fishing or exploring the many flea markets, Minnesota has a lot to offer. But if you’re planning to move to the state, you’ll need to properly register and insure your car.
In this guide, we’ll cover everything you need to know about Minnesota car insurance and the options available to you.
Minnesota Car Insurance Minimum Coverage
In order to legally register your car in Minnesota, you’ll need to have the following minimum insurance coverage:
- Bodily injury liability coverage: $30,000 per person and $60,000 per accident.
- Personal injury protection: $40,000 minimum.
- Property damage liability coverage: $10,000.
- Uninsured and underinsured motorist coverage: $25,000 per person and $50,000 per accident.
Failure to carry these minimum car insurance coverages can result in legal action against you. We’ll take a look at that later in this article.
Remember that these are just the minimums required. Talk to your insurance agent or representative about collision, comprehensive and other coverages that may suit your lifestyle and driving habits.
What is the Average Cost of Car Insurance in Minnesota?
If you’re moving to Minnesota from another state, you’ll be pleasantly surprised at the average cost of Minnesota car insurance. Typically, drivers can expect to pay around $1,085 per year for full coverage.
Auto insurance in Minnesota is lower than the national average. In fact, the state is ranked 10th out of 50 for affordability.
Why is Car Insurance So Cheap in Minnesota?
Minnesota is notoriously low in crime. The probability of your vehicle being vandalized or stolen is low compared to other states in the nation.
The weather in Minnesota is fairly predictable. Sure, you’ll have snowstorms and whiteouts, But hurricanes, floods, and even tornadoes are fairly rare in the state. This helps keep insurance premium averages down.
Nationally, insurance premiums are rising. This is due to higher costs of repairs and healthcare, in part; when insurers pay out more, insurance premiums get higher. Overall, though, drivers in Minnesota can expect to pay lower rates than drivers in other states.
Lapses in Minnesota Car Insurance
If you’re stopped by law enforcement in Minnesota and can’t prove that you have auto insurance, you’re likely going to face some penalties. It’s illegal to operate a vehicle in the state without at least the minimum coverage.
For your first offense, you can expect to pay from $200 to $1,000 in fines. Your license, registration, and plates will be suspended for up to 30 days. You’ll likely need to serve community service, though this may be in place of a fine. And you’ll have to pay money to reinstate your tags, license, and registration.
Subsequent offenses will likely result in higher fines and may even get you some time in jail. In other words, it’s important that you keep your Minnesota car insurance up to date and current to avoid trouble with law enforcement and the court system.
Best Auto Insurance in Minnesota
Minnesota drivers were surveyed to determine their top picks for car insurance provider. In terms of cost, coverage, and customer service, the following were ranked the best providers in the state:
- The General
- National General
- Direct Auto
- State Farm
Not everyone has the same insurance needs. Be sure you talk with several agents to find a policy that suits your driving record, driving habits, and your budget.
Driving in Minnesota
Are you ready to hit the road in Minnesota? Here are some fun facts about driving in the state of Minnesota to ponder while you drive the I-90.
- A person may not cross state lines with a duck on his head.
- It’s illegal for men to ride a motorcycle without a shirt in Minnesota.
- It’s against the law for red cars to drive down Lake Street in Minneapolis.
- If your car, truck, or other vehicle leaves mud on the highway, you can face fines of up to $2,000
Of course, not all of these laws are still enforced. However, they’re technically still on the books, so be sure you leave your duck at home or in the back seat of your car.
Conclusion: Minnesota Car Insurance
The beautiful state of Minnesota has a lot to offer and many roads to explore. In order to drive them legally, you must keep your insurance current and up to date. Thankfully, Minnesota car insurance is inexpensive and there are great insurance options available. With a little research, it’s easy to legally stay on the road in the North Star State.