Minnesota Insurance Quote Request Form

All Minnesota drivers are required to carry three types of auto insurance: standard liability, uninsured and underinsured motorist bodily injury coverage, and personal injury protection (PIP).

Minnesota is a no fault state, and PIP is the no fault part of auto insurance policy. In the event of an accident, PIP helps pay the cost of your (and your passengers') injury-related expenses, regardless of who was at fault for the accident.

Minnesota auto insurance laws require $40,000 worth of PIP coverage, ($20,000 for medical costs, and $20,000 for other related expenses, like lost wages or funeral costs). Drivers may choose to purchase higher levels of PIP for an increase in premium, or apply a deductible to the policy for a premium reduction.

No fault insurance does limit the right of an injured party to sue for damages caused by an auto accident. However, at-fault drivers can be found liable for expenses over the limit of the injured party's PIP coverage. Liability insurance helps cover these costs, and it is required by Minnesota auto insurance laws.

Minnesota's liability insurance minimums are 30/60/10. (That's $30,000 per person for injuries you cause to the other party, up to $60,000 for all, and $10,000 for damage you cause to the other party's property.)

The final coverage required by Minnesota auto insurance laws are uninsured and underinsured motorist bodily injury coverage in the amount of 25/50 ($25,000 for injuries per person, up to $50,000 total). These policies help pay for your medical expenses should you be injured by a driver with inadequate liability insurance. They apply only after your PIP benefits have been exhausted. Minnesota auto insurance companies will also offer optional collision and comprehensive coverage.

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