Minneapolis Auto Insurance
Minnesota is a no-fault state with unique PIP requirements, significant deer collision risk, and winter weather that tests every coverage structure. We help Twin Cities drivers get the right coverage at the right price.
No-fault
Minnesota PIP state — your insurer pays first
MN Statute 65B
$40K
Minimum PIP required in Minnesota
$20K medical + $20K income loss
Top 10
MN for deer-vehicle collisions nationally
State Farm deer claim data
20+
Carriers in our auto network
RightQuote carrier appointments
Why this market is different
What Minneapolis drivers need to know
No-fault PIP: How Minnesota auto insurance works differently
Minnesota is a no-fault state. After an accident, your own PIP coverage pays for your medical expenses and lost wages regardless of who caused the accident. Minnesota requires $40,000 in PIP ($20,000 for medical expenses and $20,000 for income loss). You can still sue the at-fault driver for serious injuries that exceed your PIP limits. Understanding how no-fault works is essential for Minnesota drivers choosing coverage limits.
Winter weather: Collision vs. comprehensive coverage
Winter weather damage falls into two categories. Sliding on ice or snow and hitting another vehicle or object is a collision claim. Hail damage, a tree branch collapsing under snow weight, or a deer collision is a comprehensive claim. Both require the respective coverage — neither is covered under liability-only policies. We recommend both collision and comprehensive for all Minnesota drivers.
Deer collisions: Minnesota is a top-10 state
Minnesota consistently ranks in the top 10 states nationally for deer-vehicle collisions. Deer activity peaks in October and November during rut season, but collisions occur year-round. Deer collisions are covered under comprehensive coverage, not collision. If you only have liability coverage, a deer collision is not covered. We recommend comprehensive coverage for all Minnesota drivers, particularly those who commute through suburban or rural areas.
Minnesota auto insurance minimums vs. recommended coverage
Minnesota requires $30,000/$60,000 bodily injury liability, $10,000 property damage liability, $25,000/$50,000 uninsured motorist, and $40,000 PIP. These minimums are often insufficient for serious accidents. A single serious injury claim can easily exceed $60,000 in medical expenses.
We recommend $100,000/$300,000 bodily injury liability, $100,000 property damage, matching UM limits, and higher PIP limits for most Minnesota drivers. The premium difference between minimum and recommended coverage is often $200–$400 per year.
Uninsured motorist coverage in Minnesota
Minnesota requires $25,000/$50,000 in uninsured motorist coverage. UM pays for your injuries and damages when you are hit by a driver with no insurance or insufficient insurance. We recommend matching your UM limits to your liability limits.
Minnesota also allows underinsured motorist (UIM) coverage, which pays when the at-fault driver has insurance but not enough to cover your damages. We recommend UIM coverage for all Minnesota drivers.
Classic and collector car insurance in Minnesota
Minnesota has an active classic and collector car community. Standard auto policies are not designed for collector vehicles — they use actual cash value, which may be far below the true value of a restored or rare vehicle.
Agreed value policies for collector cars pay the full insured value without depreciation. We work with specialty carriers including Hagerty that understand the Minnesota collector car market.
What RightQuote does differently
- No-fault PIP limit review on every MN auto policy
- UM/UIM matching to liability limits
- Comprehensive coverage recommended for all MN drivers
- Classic and collector car specialists
- Maple Grove office — local market knowledge
- Independent — no carrier quotas
Frequently asked questions
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