Minnesota Auto Insurance Quotes

The North Star State is known for its packed Minnesota metropolitan area, where 69% of the state’s inhabitants reside. This center of transportation and industry, carved out of the western prairies and southern forests, is known as the land of 10,000 lakes and if you want to stay afloat, there are some things you should know about driving intelligently and frugally with low Minnesota auto insurance quotes available online!

Minimum Requirements in Minnesota

Liability insurance must be purchased for all registered vehicles in Minnesota, and the state additionally mandates PIP (personal injury protection), and uninsured and under-insured motorist coverages. Maintaining proper coverage means meeting the minimum amounts of bodily injury liability at $20,000 for one person’s injuries up to $40,000 total for all injuries. Under-insured and uninsured coverage minimums are higher at $25,000 for one person’s injuries and $50,000 for all injured parties.

No Fault

One of only 12 states with “No-Fault” laws, Minnesota mandates that insurance companies are responsible for paying expenses in any crash. It does not matter which driver is found to be at fault in the accident, and this measure is intended to cut down on insurance fraud.

Accumulated Offenses, More Penalties

First offenders caught driving uninsured will receive a misdemeanor on their criminal records, and subsequent offenders (within 10 years) will receive gross misdemeanors. If convicted, you might be sentenced to 90 days jail time and could pay a fee of anywhere from $250 to $1,000, so investigating some low online Minnesota auto insurance quotes now could save you some hassle down the line.