Minnesota Auto Insurance Quotes by ZIP
Minnesota auto insurance quotes by ZIP are most useful when every company prices the same drivers, vehicles, garaging location, mileage, use, liability limits, basic economic loss benefits, uninsured and underinsured motorist coverages, deductibles, and effective date. The comparison starts with the residual liability floor in Minnesota Statutes section 65B.49, then matches the basic economic loss benefits in section 65B.44 and the required uninsured and underinsured motorist coverages before a company name is treated as the reason for a difference.
Use the ZIP where the car is kept for the auto form, and the ZIP of the insured property for the home form. Build each baseline on its own inputs. Do not drop a required Minnesota coverage just to make two quotes look easier to compare.
Start one matched auto quote with the same drivers, vehicle, garaging ZIP, liability limits, basic economic loss benefits, and uninsured and underinsured motorist coverages.
Match every driver, vehicle, garaging location, use, mileage, prior insurance, residual liability, basic economic loss benefits, uninsured and underinsured motorist coverages, deductibles, and effective date.
Start one matched home quote with the property ZIP, occupancy, construction, and the limits you actually want compared. Keep that quote separate from the auto baseline.
Match occupancy, construction, roof, the insured property, the form, limits, deductibles, claims history, and the effective date before comparing companies.
Minnesota Auto Insurance by ZIP and Required Coverages
Minnesota Statutes section 65B.49, subdivision 3, requires residual liability insurance of not less than $30,000 because of bodily injury to one person in any one accident, not less than $60,000 because of injury to two or more persons in any one accident, and not less than $10,000 because of injury to or destruction of property of others in any one accident. Those amounts are exclusive of interest and costs. They are a legal floor for the policy, not a statement of what a particular crash will cost.
Section 65B.44, subdivision 1, requires basic economic loss benefits of a minimum of $40,000 for loss arising out of the injury of any one person. That minimum consists of $20,000 for medical expense loss and a total of $20,000 for income loss, replacement services loss, funeral expense loss, survivor's economic loss, and survivor's replacement services loss. Section 65B.49, subdivision 3a, requires separate uninsured and underinsured motorist coverages on a plan for a motor vehicle registered or principally garaged in Minnesota.
The Minnesota Department of Commerce insurance division oversees insurance companies operating in Minnesota.
Residual Liability Floor in Section 65B.49
Most drivers meet the residual liability requirement with a policy that states those limits for each covered vehicle. A quote that shows a lower property-damage limit, or that splits the bodily-injury figures differently, is not the same policy as one written at the statutory floor. Compare a higher limit only by changing that limit and leaving the other inputs alone.
| Residual liability layer | Section 65B.49 minimum | What to hold still |
|---|---|---|
| Bodily injury, one person | $30,000 | Drivers, vehicle, garaging ZIP, and the other coverages. |
| Bodily injury, one accident | $60,000 | The per-person limit still caps what one person can recover from this layer. |
| Property of others | $10,000 | Exclusive of interest and costs, as the statute states. |
Basic Economic Loss Benefits in Section 65B.44
Basic economic loss benefits are part of the required plan. They are not a coverage the statute describes as rejected in writing in place of the minimum. When two quotes are compared, both should show the medical portion and the other-loss portion, not a single unlabeled total that could hide a smaller medical limit.
$20,000 of the $40,000 minimum is for medical expense loss arising out of injury to any one person.
A total of $20,000 covers income loss, replacement services loss, funeral expense loss, survivor's economic loss, and survivor's replacement services loss.
The $40,000 minimum applies to loss arising out of the injury of any one person, subject to the statute's deductibles, exclusions, disqualifications, and other conditions.
If a quote shows a deductible or a narrower benefit, write that down and keep it identical on the next company.
Uninsured and Underinsured Motorist Coverages
Section 65B.49, subdivision 3a, says no plan of reparation security may be renewed, delivered, issued for delivery, or executed in Minnesota for a motor vehicle registered or principally garaged in the state unless separate uninsured and underinsured motorist coverages are provided. Every owner of such a vehicle shall maintain those coverages. Each coverage, at a minimum, must provide $25,000 because of injury to or the death of one person in any accident and $50,000 because of injury to or the death of two or more persons in any accident. When two or more persons are injured, the amount available to any one person must not exceed the one-person limit.
The same subdivision says no reparation obligor is required to provide uninsured or underinsured motorist limits above the bodily injury liability limit of the plan. A quote comparison should show both coverages, the one-person limit, and the one-accident limit, and it should not assume those limits sit above the residual liability limit.
| Required coverage | Minimum for each coverage | Statute point to check |
|---|---|---|
| Uninsured motorist | $25,000 one person / $50,000 one accident | Separate from underinsured motorist coverage. |
| Underinsured motorist | $25,000 one person / $50,000 one accident | The one-person cap still applies when several people are injured. |
Hold the ZIP and the Other Inputs Still
Enter the ZIP where the car is kept at night on every auto quote. Changing the ZIP, the annual mileage, the drivers, and the company in the same pass makes the result unreadable. Physical-damage coverages such as collision and comprehensive, and any deductibles attached to them, should also stay matched if they are part of the quote being compared. The statute sections above do not set a price for those coverages.
Other state guides on this site are collected on insurance by state.
A comparison method that is not limited to one state is on compare auto insurance quotes. Return to this page with the Minnesota ZIP where the car is kept.
Home Quote Route, Kept Separate
The home form on this page sends the property ZIP to the home quote route. It does not change the auto limits above. Compare the home quote on occupancy, construction, the insured property, limits, and deductibles. Compare the auto quote on drivers, the vehicle, the garaging ZIP, and the Minnesota coverages in sections 65B.44 and 65B.49. A combined conversation with one company is still two policies unless the declarations say otherwise.
Before a Policy Is Replaced
FAQ About Minnesota Auto Insurance Quotes
Minnesota Statutes section 65B.49, subdivision 3, requires not less than $30,000 because of bodily injury to one person in any one accident, not less than $60,000 because of injury to two or more persons in any one accident, and not less than $10,000 because of injury to or destruction of property of others in any one accident, exclusive of interest and costs.
Section 65B.44, subdivision 1, requires a minimum of $40,000 for loss arising out of the injury of any one person, consisting of $20,000 for medical expense loss and a total of $20,000 for income loss, replacement services loss, funeral expense loss, survivor's economic loss, and survivor's replacement services loss.
Yes. Section 65B.49, subdivision 3a, requires separate uninsured and underinsured motorist coverages for a motor vehicle registered or principally garaged in Minnesota, and it says every owner shall maintain them. Each coverage must provide at least $25,000 for injury or death of one person and $50,000 for two or more persons in any accident.
No. The same subdivision says no reparation obligor is required to provide uninsured or underinsured motorist limits in excess of the bodily injury liability limit of the plan.
Keep the drivers, vehicle, garaging ZIP, mileage, use, residual liability limits, basic economic loss benefits, both motorist coverages, deductibles, and effective date the same. Change the company only after those inputs match.