Minneapolis Car Insurance

Get a Minneapolis Auto Insurance Quote

Looking for the right car insurance in Minneapolis? GEICO can help you find the car insurance to fit your individual needs. Benefits of a GEICO auto insurance policy include:

Competitive auto insurance rates for Minneapolis drivers
The award-winning GEICO Mobile app*
Getting a fast and free car insurance quote online
Great customer service
Quick and easy claims reporting

Minneapolis is known for its many lakes and parks, but it's not all leisure. The downtown area is full of businesses and cultural activities that draw people to the city. If you are driving in Minneapolis, you should make sure you have an insurance policy that is personalized for you. Get a GEICO auto insurance quote online today.

Minneapolis Car Insurance Requirements

Minneapolis drivers need a car insurance policy that meets the minimum coverage requirements for the state of Minnesota. Under Minnesota's no-fault law, drivers are required to carry Personal Injury Protection (PIP) coverage, which covers medical bills, lost wages, and replacement services up to a certain limit, ensuring that the injured party can quickly access the financial support they need after an accident.

Minimum auto insurance coverage requirements for Minnesota include:

Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $10,000
Personal injury protection (PIP): $40,000
Uninsured and underinsured motorist coverages: $25,000 per person and $50,000 per accident

While these are the minimum insurance coverages Minnesota requires, everyone's needs are different. We can help you find your personalized recommendation with our Coverage Calculator.

Is Minnesota a No-fault State?

Minnesota has been a no-fault state since 1975, meaning that if you're involved in a car accident, your own insurance company pays for your medical expenses and other losses, regardless of who caused the crash. However, it does not completely eliminate the possibility of suing for damages if certain thresholds are met, such as severe injuries or extensive medical costs.

What is Considered “Full Coverage” Car Insurance in Minneapolis?

In Minneapolis, "full coverage" car insurance typically refers to a policy that includes both collision and comprehensive coverage. Collision coverage helps cover repairs to your vehicle after an accident, regardless of fault, while comprehensive coverage protects against non-accident-related damage to your vehicle, such as theft, vandalism, or weather-related incidents. If you lease or finance a vehicle, you’ll likely be required to have these coverages.

How much is car insurance in Minneapolis, MN?

The cost of car insurance in Minneapolis, MN, varies based on several factors, including your driving record, age, and the type of vehicle you drive. The level of coverage you choose also impacts premiums. Additionally, local factors such as your zip code, typical weather events, and accident and theft rates can contribute to the overall cost of your car insurance.

Minnesota Car Insurance Discounts

Minneapolis drivers should have car insurance that delivers great service along with savings. GEICO offers a variety of Minneapolis car insurance discounts. Discounts on auto insurance available in the state of Minnesota include:

Learn more about all the car insurance discounts that are available to help eligible GEICO policyholders in Minnesota save money.

Minneapolis Insurance Agents

We have local insurance agents in Minneapolis who are ready to answer your questions about a GEICO Car Insurance policy. Our MN agents can also help you with other types of insurance policies you may need. You can also reach us by calling (800) 841-3000 or by using the GEICO Mobile app. Download our award-winning GEICO Mobile app today and check out how we are making insurance easier in the app with things like:

1-click bill pay
Digital ID Cards
On-demand roadside assistance

More Info on Minnesota Auto Insurance

If you want to read more about auto insurance in Minnesota, please visit our Minnesota insurance page. You will find valuable information on topics like driving hazards and teen driving laws.