Male vs Female Drivers Who s Safer on the Road 2026 Expert Insights

Hello, today we're going to talk about Minnesota's minimum coverage requirements for auto insurance. Maybe you're considering moving to Minnesota and want to see what you're legally required to carry or maybe you've lived there a long time but have had some recent life changes that you know will affect your coverage options. If you're curious to see what the best options available for you are, head on over to autoinsurance.org and use our free quote generator to see how much you could save. You will get a customized list of the lowest rates from providers near you. Let's take a look at the Minnesota Department of Commerce. You can see that they have a page dedicated to auto insurance basics. If you own a vehicle that is licensed in Minnesota, state law requires you to have a specific amount of coverage. The proper coverage can if you're involved in an accident. Keep in mind that Minnesota is a no-fault state, which means that drivers who have been injured in a car accident in Minnesota can get compensation under their own insurance policy, regardless of who was at fault for the accident. No-fault coverage applies only to expenses resulting from injuries sustained in an accident, not property damage. It is the personal injury protection on your insurance policy. Claims are first made on your own PIP. If expenses amount to higher than the PIP limit on your policy or if you attain specified thresholds, you may make a claim against the other driver's liability coverage if the other driver is found to be liable. Don't forget, claims must be made within six months of the accident. Check out the auto insurance guide provided by mn.gov. As you can see in this guide provided by mn.gov, all vehicles licensed in Minnesota are required to have the following types of insurance. What we just talked about, personal injury protection or PIP, provides basic economic loss benefits, and your required amount of coverage is $40,000 per person per accident, and this will cover any medical or funeral expenses, lost wages, and replacement services. The next type of coverage that you're required to have in Minnesota is called liability. This helps cover injury and property damage expenses that occur when you're at an accident that is your fault, and the required amount of coverage is $30,000 for one person or $60,000 for two or more people, and $10,000 in physical damage to other vehicles or property. Next is uninsured coverage. This pays for medical expenses after you have exhausted your PIP benefits and when the other driver is held responsible for the accident but does not have insurance. So you're getting insurance just in case you come across somebody who doesn't have insurance, which is illegal in Minnesota. So the required amount of coverage is $25,000 for one person and $50,000 for two or more people, and the last type of coverage that you are required to have in Minnesota is called under insured. This pays for medical claims of people covered by your policy, and these benefits are in addition to your PIP benefits and are used when the other driver is held responsible for the accidents and does not have enough liability coverage to cover your medical claims. The lowest amount required for this is $25,000 for one person and $50,000 for two or more people. Don't worry if all those numbers make your head spin and you're struggling to keep them straight. You're not alone. Head on over to autoinsurance.org to take the stress out of finding the best plans for your needs. Just enter your zip code in our free quote generator, answer a few quick questions such as year of your vehicle, make and model, and what kind of coverage you're looking to have. You'll be matched with multiple coverage options in minutes. Now that you've done that, I want to show you what we at autoinsurance.org have found to be the cheapest minimum auto insurance options Remember, your rates can vary greatly based on factors like your age, driving record, and coverage you'd like to have. State Farm takes first place for the most affordable option at only $48 a month, followed closely by USAA at $49. But keep in mind, USAA is only available to military members and their families. Coming in third is GEICO with a monthly rate of $65. It might not seem like much of a difference, but $16 a month over the course of a year is almost $200. Another factor to keep in mind is the insurance provider's AMBEST rating. AMBEST is a credit rating agency focused on the global insurance industry. GEICO and USAA hold A++ ratings, while State Farm only ranks with a B. A passing grade, but definitely not the best. The final thing we considered is the customer satisfaction level. Complaints are low from State Farm and GEICO, while policyholders tend to have high level of complaints with USAA. Check out this graph from autoinsurance.org. Compared to the national average of $61 a month, Minnesota seems to have several great options under that and a few that are significantly more. Remember, the best way to find the lowest rate is to shop around and compare quotes from multiple providers. And you can do that best by visiting autoinsurance.org. Just enter your zip code, answer a few quick questions, and in minutes you'll get personalized rates from providers that are in your zip code. If you're thinking you want to risk it and save yourself some cash on a monthly insurance premium, don't. There are some severe penalties for not meeting the minimum requirements for auto insurance in Minnesota. These include imprisonment, a $200 fine, the suspension of your car registration, and the suspension of your driver's license. I don't know about you, but to me it's not worth the risk. To avoid these extra costs and ensure you're properly protected, consider opting for coverage that exceeds the state minimum. You may be tempted to choose the lowest coverage option to keep your monthly premium cost down, but keep in mind that you may still face significant out-of-pocket expenses in the event of an accident. Additionally, if you have a car loan, your lender will typically require you to carry additional coverage to protect their financial interest in the vehicle. This is called forced place coverage. If you don't have insurance or you let your coverage lapse, your lender will pick your policy for you, which will most likely be more expensive than what you could find on your own. Don't let that happen to you. Make a beeline to autoinsurance.org where you can compare quotes from all the best providers in one place. We make it easy to find the provider where you live that offers the perfect balance of price, coverage, and reputation. Don't let the hassle of connecting with multiple companies keep you from being properly covered. It's best practice to shop around for your car insurance twice a year because rates change and so do your life circumstances. Maybe you have a newly graduated driver's ed teenager eager to get behind a wheel of their own. If so, you need to check out these videos on how teen drivers will affect your auto insurance rates. Despite your fears, having a teen driver isn't a death sentence for sky-high premiums. If you found this walkthrough helpful, go ahead and give it a thumbs up. Your feedback helps us provide you new and relevant content to your insurance questions. If you've had any experience with the providers listed in this video, share that below. Your insight could help someone else pick the right policy for them. As always, if you have any specific questions regarding insurance, leave them below and we'll get an answer for you in a timely manner. Thanks for watching and we'll see you in the next video!