Stay Protected on the Road With Minnesota Car Insurance
Whether you’re heading out to enjoy one of Minnesota’s 10,000 lakes or taking a shopping trip to the Mall of America, you can feel protected on the road with dependable car insurance.
The
AARP® Auto Insurance Program from The Hartford
1 has been protecting AARP members and their families with Minnesota car insurance coverage since 1984. The Hartford has earned a reputation as a car insurance company you can trust. Customers rate The Hartford highly for our claims services because they can rely on our car insurance to be there when they need it most.
Minnesota requires drivers to have a minimum amount of liability, personal injury protection (PIP) and uninsured/underinsured motorist coverage. If you want to request a
car insurance quote or learn more about the state minimum auto insurance in Minnesota, we’re here to help.
Required Coverages for Auto Insurance in MN
When looking at car insurance quotes in Minnesota, make sure you’re buying at least the minimum coverages to meet Minnesota state law. Minnesota requires drivers to carry personal injury protection (PIP), liability coverage and uninsured/underinsured motorist coverage in the following amounts:2
- Property damage liability: $10,000 per accident
- Bodily injury liability: $30,000 per person per accident, $60,000 per accident
- Personal Injury Protection (PIP): $40,000 per person per accident
- Uninsured motorist: $25,000 per person, $50,000 per accident
- Underinsured motorist: $25,000 per person, $50,000 per accident
Proof of Car Insurance in Minnesota
If you’re a licensed driver in the state of Minnesota, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Minnesota is also among several states that accept electronic proof of car insurance. With The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Additional Minnesota Car Insurance Coverages Available to Drivers
In addition to helping you meet Minnesota car insurance requirements, The AARP Auto Insurance Program from The Hartford offers additional car insurance coverage to provide for more security.
Get a quote today to learn more about these great car insurance coverage options:
- Comprehensive Insurance will help pay for non-accident-related car damage that other auto coverages won’t, like theft, vandalism or severe weather.
- Collision Insurance can help pay for damage to your car from another vehicle or object, like a fence or mailbox.
- Roadside Assistance is there for you if you have a flat tire, a dead battery or other car issues when you’re in your car in Minnesota or anywhere in the United States. You can even have your car towed up to 100 miles.
- Increased Rental Reimbursement will help you pay for a rental car if you’re in an accident and your car cannot be driven. However, even if you have this auto insurance coverage, car insurance companies won’t pay for you to rent a car for vacation.
- Medical Payments can help you and your passengers pay for treatment, rehabilitation, dental care and other medical expenses caused by a car accident. This insurance won’t pay for injuries to those in the other car. For that, you’ll need to have bodily injury liability insurance.
Common Questions About Minnesota Car Insurance
Is Minnesota a PIP State?
Yes, Minnesota is a no-fault state. This means that if you’re in a car accident in Minnesota, each driver is required to file a claim with their own insurance company, no matter who is at fault. Minnesota requires drivers to purchase personal injury protection (PIP) coverage, which is also known as
no-fault insurance.
How Much Is Car Insurance in Minnesota?
The average cost of auto insurance in MN is $1,760 per year.3 Car insurance rates vary by driver depending on many factors, including:
- Where you live: All states have their own laws about how much car insurance you need to purchase. This usually helps determine average rates in each state.
- Your driving record: Drivers with clean driving records will usually get the cheapest car insurance rates.
- Whether you also have homeowners insurance: Drivers in Minnesota who bundle their auto insurance with renters, condo or home insurance can save money.**
What Happens if You Don’t Have Car Insurance in Minnesota?
If you’re caught driving without auto insurance in Minnesota, you may have to pay a fine and give up your license plate and driving privileges or face imprisonment.
What Minnesota Teen Driving Laws Are In Place?
Getting a driver’s license is an important moment for all teenagers, and Minnesota wants to be sure they can do it safely. That’s why Minnesota has graduated licensing laws to limit nighttime driving, restrict teen passengers and ensure supervised driving practice. If you have a new teen driver to add to your insurance policy, you may want to compare quotes for car insurance rates. Some insurance companies will provide discounts for drivers who complete drivers’ education courses or have good grades.
What Car Insurance Benefits Are Offered for Minnesota Drivers?
The AARP Auto Insurance Program from The Hartford offers valuable benefits to Minnesota drivers. Our car insurance coverage for Minnesota drivers includes:
- 24/7 Claim Service
- Accident Forgiveness‡
- Disappearing Deductible‡
- New Car Replacement§§
Get Car Insurance Quotes in MN Today
To find out more about Minnesota car insurance benefits and savings, call our representatives at
888-413-8970. You can also
get a quote online in minutes.
Last Updated: October 5, 2023
