Minnesota Car Insurance

Additional coverage considerations in Minnesota

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your financial assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Minnesota drivers might consider:

• Comprehensive (other than collision): Provides coverage for your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars. 
• Collision coverage: Coverage for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
• Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
• Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
• Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking doors and getting your vehicle unstuck from mud or snow.
• Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Minnesota car insurance rates

There are several factors that impact auto insurance in Minnesota, including individual circumstances, location, claims in your state and more. Consider these points:

• Driving history: Your individual driving record significantly impacts insurance premiums. Drivers in Minnesota with a history of accidents or traffic violations typically face higher rates, while those with clean records may see lower rates.
• Coverage options and limits: Opting for the state-mandated minimum coverage in Minnesota tends to be more affordable, whereas adding optimal coverages with higher limits may increase premiums.
• Vehicle type: Factors such as the make and model of your vehicle, safety rating and repair costs all influence your car insurance premiums in Minnesota.
• Weather patterns: Weather-related incidents in Minnesota impact car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of these reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Minnesota auto insurance discounts for more savings

Amica offers various auto insurance discounts to help Minnesota policyholders save money on their premiums.¹ Here are some ways you can save:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 16-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years and three months.
  • Defensive driver training: Taking an approved driver safety course can earn you a discount if you’re 55 or older.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn more savings.
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Minnesota policy premium up front.

If you’re a Minnesotan in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.¹

Facts and figures about Minnesota

Fun facts about Minnesota:

• Minnesota is home to several distinctive museums, including the SPAM® Museum, the Greyhound Bus Museum, and Ed's Museum – which showcases a collection of one man’s personal artifacts from the 20th century.²
• The source of the Mississippi River is Lake Itasca, in Itasca State Park. Notably, it’s one of the few locations where you can walk across the Mississippi River.² 
• Post-it® Notes, manufactured by the 3M Company (originally known as the Minnesota Mining and Manufacturing Company), were co-invented by Minnesotan Art Fry in 1974.²

Facts about driving in Minnesota:

• Residents of Minnesota have the option to include caretaker information on their driver's license or state ID card. This information can be added by completing a form available on the Minnesota DMV website.³
• Using a cellphone for texting, emailing or internet access while driving, even when stopped, is prohibited. Drivers under 18 with a permit or provisional license cannot use a cellphone handheld or hands free, except for emergency 911 calls.³ 
• Minnesota's Graduated Driver’s Licensing (GDL) system helps new drivers gain experience. Residents 18 or younger must hold an instruction permit for six months before the road test. After passing, they can apply for their license.³

With Amica, Minnesota drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.