Minnesota drivers face a variety of risks on the road, making car insurance a necessity.  

• Unpredictable Weather: From heavy snowfalls to icy roads, Minnesota's weather can lead to hazardous driving conditions. 
• High Accident Rates: Traffic congestion and careless driving can increase your chances of being involved in an accident. 
• Liability Protection: Without insurance, you could face significant financial consequences if you're responsible for an accident. 

Minnesota is a “no-fault” state, meaning that your own insurance will cover your medical expenses and certain other losses after an accident, regardless of who is at fault. The state also requires specific minimum coverage for drivers. For Minnesota, the minimum required coverage includes:  

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum limits are $30,000 per person and $60,000 per accident.  
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum requirement of$10,000 per accident. 
• Personal Injury Protection (PIP): $40,000 per person, split into medical ($20,000) and non-medical ($20,000). Covers your medical or funeral expenses and, in some cases, lost wages, regardless of who is at fault for the accident.  
  • You can also stack PIP for each vehicle on your policy. This means that the amount of PIP you have is multiplied by the number of vehicles on your policy. 
• Uninsured/Underinsured Motorist (UM/UIM) Coverage: Coverage for your injuries if the other party doesn't have sufficient insurance. Minimum limits are $25,000 per person and $50,000 per accident. 

Fault still needs to be determined in no-fault states. If you’re found to be at fault, the state minimum coverage often only covers the other party’s vehicle. This means, if you want your insurance to pay damages as well, you’ll need to add that to your policy.  

Customizing your auto insurance policy with additional coverage ensures you're prepared for all kinds of scenarios. Some popular options include:  

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 

Some may not drive very often and need usage-based coverage, while others may have modified cars. These are just some examples of highly specific coverage options. Goosehead Insurance specializes in creating customized policies for our clients, so bring up your situation to one of our agents to get the coverage you need. 

In addition to coverage selections, the cost of car insurance in Minnesota varies depending on several key factors, including:  

• Driving Record: Traffic violations or accidents can significantly impact your premium. 
• Vehicle Type: Luxury cars and high-performance vehicles tend to cost more to insure. 
• Coverage Levels: The more coverage you add, the more your policy will cost. 
• Age: Younger drivers typically pay higher premiums due to their lack of driving experience, while more experienced drivers may benefit from lower rates. 

Car insurance policies that meet the state minimum for Minnesota cost an average of $700 annually. However, drivers with more robust coverage may pay an average of $2,600 a year depending on the level of coverage. 

There are several ways Minnesota drivers can reduce their car insurance costs without compromising coverage, including:  

• Bundling Policies: Combine your auto insurance with homeowners or renters insurance for discounts. 
• Safe Driving Discounts: Maintain a clean driving record or complete a defensive driving course. 
• Vehicle Safety Features: Install anti-theft devices or drive a car loaded with safety features to save more. 

A car insurance policy doesn't just mean protecting your vehicle; it means protecting your finances and your peace of mind. Here's why Minnesota drivers trust Goosehead Insurance for their car insurance needs:  

• Comprehensive Comparisons: We shop among multiple top-rated carriers to find the best options for you. 
• Expert Guidance: Our agents help you understand your coverage so you can make informed decisions. 
• Simple Process: No hassle, no confusion. We make it easy to customize and secure the perfect policy. 
• Outstanding Service: Goosehead Insurance is committed to providing its customers with exceptional support and service every step of the way.