Minnesota minimum liability limits; $30,000 per person for injuries you cause to the other parties, $60,000 total per accident, and $10,000 for damage you cause to the other party's property. Other mandatory coverages include $40,000 in personal injury protection (PIP) coverage and $25,000 (per person) and $50,000 (total per accident) in uninsured (UM) and underinsured motorist (UIM) coverage.

Optional coverage's include comprehensive, collision, towing, rental reimbursement, gap insurance, and personal umbrella.

If you are convicted of DUI or major violation in Minnesota (Assuming your car insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more. If you are high risk (multiple tickets and/or accidents), you may have to use the Minnesota Automobile Insurance Plan (MNAIP). The Minnesota Catastrophic Claims Association was created in 1972 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Eligible Minnesota Automobile Insurance Plan drivers are shared among companies writing car insurance in the state of Minnesota.

Proof of insurance is required to be kept at all times in vehicle, and especially at the time of an accident. Penalties for driving without insurance in Minnesota are a drivers license revocation, $30.00 reinstatement fee, a fine, prove car insurance coverage for the next year (FR-4/SR-22 certificate filing), and you must retake the Minnesota drivers test.

Our Minnesota insurance agency believes that buying car insurance online can be a hugh mistake without the guidance of an experienced honest independent agent. We speak insurance and can guide you through the maze of coverage's that you actually need, while avoiding the options and pitfalls. Request a Minnesota car insurance quote below.