Shown below is a useful summary of info to help Minnesota car owners get the lowest possible rates on auto insurance.  Scroll down for rates, laws, facts and stats.  Read on and see how easy it is to customize the Minnesota auto insurance package that works best for you.

Minnesota Minimum Liability Coverage

Minnesota drivers must buy no less than 30/60/10 coverage for each owned vehicle.  In other words, $30,000 in coverage for personal injury to the driver, $60,000 in coverage for per-accident protection (pays the expenses of others injured in the accident) and $10,000 in coverage against property damage.  The minimum required coverage in Minnesota is high, as compared to other U.S. states, perhaps partly because Minnesota ranks fifth among states in DUI deaths.  Roughly 125 deaths of this kind are reported each year throughout the state.

Penalties for Driving Without Insurance in Minnesota

For a first offense, the penalty for driving without insurance in Minnesota is a fine of up to one thousand dollars and/or a maximum of ninety days in jail.  Subsequent convictions within a ten-year time span result in fines of up to $3,000 and up to one year of jail time.

Auto Insurance Rates in Minnesota

In Minnesota, the average annual premium on car insurance was $1,647 in May of 2013.  Minnesota’s mean annual premiums stood right around the national average of $1,670.  The figure would probably be lower, if not for the state’s inflated DUI rate, harsh climate, and the fact that Minnesota is a “no-fault” state for car insurance.  No-fault laws generally result in slightly higher premiums, although details vary from state to state.  So, why are Minnesota’s car insurance premiums still slightly lower than average?  According to Top50States.com, the reason probably has to do with the state’s strong economy, low population density, low crime rates and a relatively small percentage of uninsured drivers on the road.

Low Cost Car Insurance Programs in Minnesota

Minnesota auto insurance companies with driver discount programs are not hard to find.  Carriers typically offer Accident-Free discounts and Good-Driver discounts for car owners who practice intelligent driving habits.  Discounts are also available to senior citizens who complete a defensive driving course, and to full time students who earn good grades.  Other available discounts may include Multiple Auto discounts, Multiple Policy discounts, Vehicle Safety discounts and more.  It literally pays to ask insurance agents about their discounts, and run your own discount comparison study.

Obtaining Auto Insurance Quotes in Minnesota

Some Minnesota car owners prefer nationwide insurance carriers with big, familiar names like Auto Owners Insurance, The Hartford, Geico, and 21st Century.  Other Minnesota drivers opt for lesser known local favorites like American Family Insurance, Farm Bureau, Western National or Insurance Brokers of Minnesota.  In any case, Minnesota is scattered with auto insurance carriers providing coverage at competitive rates.  Call several brokers near you for further information.  Obtain and compare free online quotes.  Don’t forget to ask about their discounts.