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Looking for cheap insurance in Minnesota? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Minnesota. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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How much should you pay for car insurance in Minnesota?

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Looking for a homeowners insurance quote in Minnesota?

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Minnesota Insurance Laws and Regulations

Information on Minnesota insurance laws and resources are available through the Minnesota Department of Insurance. Consumers can contact the department with questions and complaints about their auto and home insurance. If you have a problem with an auto, homeowners, life, health or title insurance company you can get the forms needed to file a complaint with the Department of Insurance. Unfortunately, the state of Minnesota no longer makes a summary of the consumer complaint information available. For analysis of the complaint information on companies you are considering for your insurance, use the buttons below to get a ValChoice report.

Car Insurance Report Card

Home Insurance Report Card

Note: ValChoice does not receive any form of compensation from insurance companies for presenting them as a good option in our car and home insurance reports.

Important Laws

A summary of the driving safety laws in the state of Minnesota can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Minnesota.

The Minnesota Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Minnesota has minimum auto insurance amounts that are required by law. The table below shows the MN minimum car insurance limits.

Minimum Car Insurance Coverage Required in Minnesota

Minimum Coverage
Bodily Injury, per person 30,000
Bodily Injury, per accident 60,000
Property Damage 10,000
Personal Injury Protection 40,000

Resources Available to Consumers

The Minnesota Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.