Cheap Car Insurance in Minnesota

From Rochester and the “Twin Cities” all the way up to the Canada border, Minnesota residents have plenty to see and do. Whether you're driving to a favorite park or commuting to work in Minneapolis, affordable auto insurance can help protect you, your loved ones, and your vehicle. Take a few minutes to explore cheap car insurance in Minnesota. Learn which coverages are mandatory, which ones are optional, and how an EagleWay Auto Insurance policy can be your affordable Minnesota car insurance solution.

Minnesota Car Insurance Laws

Do you have to have car insurance in Minnesota?

Minnesota law requires all drivers to have proof of financial responsibility, typically fulfilled through a car insurance policy. Minnesota auto insurance policies must meet the state’s minimum liability coverage limits — 30/60/10.

Additionally, Minnesota is a no-fault state, meaning policies must include personal injury protection (PIP). Drivers must also carry uninsured motorist bodily injury coverage and underinsured motorist bodily injury coverage.

What Is a No-Fault State?

In a no-fault state like Minnesota, each injured party files a claim through their own insurance for medical expenses, regardless of who caused the accident. If a person lacks their own insurance, they file under the policy covering the vehicle they occupied.

No-fault applies only to injuries — property damage claims still go through the at-fault driver’s insurer.

Minnesota Minimum Car Insurance Requirements

Here’s a breakdown of what your Minnesota insurance policy must include:

IMPORTANT NOTE: State-mandated coverage satisfies the law but does not cover all situations. Comprehensive and collision coverage provide additional protection.

¹Your lender may require these coverages if you lease or finance your vehicle.

Additional Coverage Options

For added peace of mind, Minnesota drivers may access options such as:

• Roadside Assistance*
• Emergency Protection Plan (EPP)*
• Towing & Labor Coverage
• Rental Reimbursement Coverage

Minnesota Proof of Financial Responsibility & Penalties

Failing to meet Minnesota’s insurance requirements can result in serious penalties. These can increase with repeat offenses and may include:

• Fines
• Community service
• Jail time
• License suspension
• Vehicle registration suspension

Penalties for Driving with a Suspended License

Driving without a valid license can lead to fines and potential jail time. If your license is ever suspended, it's crucial to complete reinstatement steps before driving again.

SR-22 Insurance in Minnesota

Some states require high-risk drivers to file an SR-22 (certificate of financial responsibility). In Minnesota, this equivalent is called an insurance certification (FR4), required for license reinstatement after certain violations.

You may need an SR-22 or FR4 if:

• You committed serious driving violations
• You failed to maintain proper liability coverage
• You were convicted of DUI/DWI

If you have questions about SR-22 or FR4 filings, Contact Us. EagleWay Auto Insurance specializes in helping high-risk drivers access affordable coverage.

High-Risk Auto Insurance in Minnesota

Many drivers don’t have perfect records. After multiple or serious violations, insurers may consider them high-risk. While some companies avoid high-risk drivers, EagleWay Auto Insurance offers non-standard insurance to keep you protected.

Where Can I Find the Cheapest Car Insurance Rates in Minnesota?

Car insurance rates vary based on several factors:

• The type and amount of coverage
• Your vehicle's year, make, and model
• Your driving habits and location
• Your age and demographics
• Your driving record
• Your credit history