Minnesota
Auto Insurance Coverages
It doesn't matter if you live in Grand Forks, St. Paul, Rochester or Blackduck, with so many companies offering auto insurance in Minnesota, how do you choose the auto insurance that's right for you? There are a wide variety of car insurance policies, optional insurance coverages and other products available in Minnesota, and as your auto insurance needs change, your local agent will take the time to help so you can make the choices that are right for you. And if you have a teen driver, there are many other considerations. See the Graduated Driver Licensing chart below.
For more information on this state, click here.
Minnesota Auto Insurance Coverage Scale
Only you can decide what auto insurance coverages are right for you in Minnesota. But the chart below provides a possible starting point for understanding the Minnesota-required and most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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30,000/60,000
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100,000/300,000
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Property Damage Liability
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10,000
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100,000
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Uninsured Motorist Bodily Injury
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25,000/50,000
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100,000/300,000
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Underinsured Motorist Bodily Injury
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25,000/50,000
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100,000/300,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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0 deductible
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Personal Injury Protection
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40,000
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40,000
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Minnesota Graduated Driver Licensing
Minnesota has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with Minnesota laws, and at the very least, you should use these laws to form the baseline for the rules you set for your teen driver.
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Insurance Institute for Highway Safety Rating
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Marginal
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has no provision
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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16
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For additional guidelines, click here to download a sample Parent-Teen Driving Agreement to help you and your teen reach an understanding. Take time to learn more about teen driving research, tips, driving laws, programs and teen driving facts.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
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.