purchasing auto insurance in Minnesota
Start a Quote Now
Please Enter a Valid ZIP Code Enter ZIP Code
Why We Ask
Why we ask?

Rates and insurance options (and their availability) vary according to your state's regulations.

Type of insurance
Retrieve Your Saved Quote
Find an Agent
Customer Log In

Minnesota
Auto Insurance Coverages

There are so many companies offering auto insurance in Minnesota. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, you local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as MN's Graduated Driver Licensing laws (refer to chart below).

For more information on this state, visit the Minnesota State Information or Minnesota State Catastrophe page.

Minnesota Auto Insurance Coverage Scale

Do you know what the Minnesota auto insurance coverage requirements are? Use the chart below as a possible starting point to learn more about the Minnesota-required auto insurance coverage levels and the most common car insurance coverages in Minnesota

Coverage
State Requirements
Most Common
Bodily Injury Liability
30,000/60,000
100,000/300,000
Property Damage Liability
10,000
100,000
Uninsured Motorist Bodily Injury
25,000/50,000
100,000/300,000
Underinsured Motorist Bodily Injury
25,000/50,000
100,000/300,000
Collision
Not required
500 deductible
Comprehensive
Not required
0 deductible
Personal Injury Protection
40,000
40,000

Minnesota Graduated Driver Licensing

If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.

Insurance Institute for Highway Safety Rating
Marginal
Minimum Entry Age
(Optimal: 16)
15
Extended Learner Period
(Optimal: at least 6 months)
Has optimal provision
Parent Certification
(Optimal: 30 hours minimal)
Has optimal provision
Night Restriction
(Optimal: 9 or 10 p.m.)
Has no provision
Passenger Restriction
(Optimal: only 1 non-family member)
Has no provision
Minimum Exit Age
(Optimal: 18)
16

For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Illinois, Iowa, Nebraska, North Dakota, South Dakota, Wisconsin

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Minnesota. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.
Need to Reach Us?
Call 1-866-621-6900
dotted rule
Are You a Safe Driver?
Earn the rewards you deserve.
dotted rule
Calculate Your Savings
Determine monthly payments, lease or purchase options and much more.
dotted rule