Minnesota Auto Insurance

Minnesota General Insurance Information

The state of Minnesota is a No Fault state.  In a No Fault state, each individual involved in a car accident is responsible for the injuries and damages to themselves, their passengers and their vehicle.  It does not matter who is cited as the cause of the accident.  Minnesota requires all drivers to carry uninsured and underinsured coverage as well as PIP.  If a car is financed, you will most likely be required to carry comprehensive and collision coverage on the vehicle but the state does not require this coverage.  Failure to carry the required coverage in the state of Minnesota can be considered as a default of insurance coverage on your part.

Insurance companies in Minnesota do not have to cover members of your household if they are not listed on the policy.  These exclusions are legal.  Even though you do not have to list everyone on the policy, the company may request it.  If you do not comply with the company’s request, they can deny the claims on any persons not included on the policy.

In the state of Minnesota, the insurance company is allowed to check out your personal credit history when offering you insurance and setting your premium rates.  They may also look at your driving record, age, and the area where you live.  Maintaining a good driving record and paying your bills on time may reduce your premiums.

The average insurance premium in Minnesota was about $753.00 as of 2006.  Minnesota was ranked as having the 25th highest premium average in the United States.  There are 476 state approved insurance companies doing business in the state of Minnesota.  The following companies may sell auto insurance in Minnesota:  Abstainer’s Insurance Company, Aetna Casualty & Surety Company of America, Aetna Fire Underwriters Insurance Company, Aetna Insurance Company, Aetna Life &Casualty Companies, Affiliated FM Insurance Company, Agway Insurance Company, AID Insurance Company (Mutual), American International Insurance Company, Alabama Farm Bureau Mutual Casualty Insurance Company, Alaska Insurance Company, Albany Insurance Company, All American Insurance Company, All Nation Insurance Company, All-Star Insurance Company, Allendale Insurance Company, Allianz Insurance Company, Alliance Assurance Company, Allied Insurance Company, Allstate Fire Insurance Company, Allstate Indemnity Insurance Company, Allstate Insurance Company, AMCO Insurance Company, American and Foreign Insurance Company, American Automobile Insurance, American Casualty Company of Reading, Pennsylvania,  American Centennial Insurance Company, American Continental Insurance (The), American Economy Insurance Company, American Empire Insurance Company, American Employers’ Insurance Company, American Family Insurance Group, American Family Mutual Company, American Fellowship Mutual Insurance Company, American Fidelity Company, American Fidelity Insurance Company, American Guarantee and Liability Insurance, American Home Assurance Company, American Insurance, American Interstate Insurance Company of Georgia, American Interinsurance Exchange, American Interstate Insurance Corporation of Wisconsin, American Liberty Insurance Company, American Modern Home Insurance Company, American Motorists Insurance Company, American Mutual Insurance Company of Boston, American Mutual Liability Insurance Company, American National Fire Insurance Company, American Policyholders Insurance Company, American Protection Insurance Company, American Re- Insurance Company, American Reliable Insurance Company, American Reserve, American Road Insurance Company, American Security Insurance Company, American Standard Insurance Company, American Star Insurance Company, American States Insurance Company, American Union Insurance Company, American Union Mutual Insurance Company, American Universal Insurance, American Zurich Insurance Company, Amica Mutual Insurance Company, Appalachian Insurance Company, Argonaut Insurance Company, Argonaut-Midwest Insurance Company, Arkwright-Boston Insurance Company, Arkwright-Boston Manufacturer Mutual Insurance, Associated Indemnity Corporation, Assurance Company of America, Atlantic Insurance Company, Atlantic Mutual Insurance Company, Atlas Assurance Company Ltd., Austin Mutual Insurance Company, Auto Club Insurance Company, Auto Club Group Insurance Company, Auto Club Insurance Association, Automobile Club Insurance Company, Auto-Owners Insurance Company, AVEMCO Insurance Company, The AYR Mutual Fire Insurance Company, BLC Insurance Company, Badger Mutual Insurance Company, Badger State Mutual Insurance Company, Badger State Mutual Casualty Company, Balboa Insurance Company, Beacon Mutual Indemnity, Beacon National Insurance Company, Belair Insurance Company, Bellefonte Insurance Company, Berkshire Mutual Insurance Company, Bituminous Casualty Corporation, Blue Ridge Insurance Company, Boston Old Colony Insurance Company, California Casualty Indemnity Exchange, California Casualty Insurance Company, Cameron Mutual Insurance Company, Canada Security Assurance Company, Canadian General Insurance, Canadian Indemnity Company, The Canadian Indemnity Company, Canadian Mercantile Insurance Company, Canadian National Insurance Company, Canadian Provident General Insurance, Canadian Surety Company, Canal Insurance Company, Cardinal Insurance Company, Carolina Casualty Insurance Company, Carriers Insurance Company, Castle Insurance Company, Casualty Reciprocal Exchange, Cavalier Insurance Corporation, Cayuga Reciprocal Exchange, Celina Mutual Insurance Company, Centennial Insurance Company, Central Mutual Insurance Company, Central National Insurance Company of Omaha, Central Security Mutual Insurance Company, Century Indemnity Company, Century Insurance Company of Canada, Charter National Insurance Company, Chateau Insurance Company, Cherokee Insurance Company, Chicago Insurance Company, Church Insurance Company, Church Mutual Insurance Company, Chrysler Insurance Company, CIM Insurance Company, Cimarron Insurance Company, Inc., Cincinnati Insurance Company, Citizens Insurance Company of America, Citizens Security Mutual Insurance Company, City Insurance Company, Classified Insurance Company, Coastal Casualty Company, Colonial Penn Franklin Insurance Company, Colonial Penn Insurance Company, Colorado Farm Bureau Mutual, Columbia Insurance Company, Comco Insurance Company, Commerce General Insurance Company, Commonwealth Fire & Casualty Company, Companion Insurance Company, Compass Insurance Company, Concorn General Mutual Insurance Company, Connecticut Indemnity Company, Consolidated American Insurance Company, Consolidated Fire & Casualty Insurance Company, Constitution Insurance Company of Canada, Continental Casualty Company, Continental Insurance Company (The), Continental Western Insurance Company, Co-operators General Insurance Company, Cornhill Insurance Company, Countryside Casualty Company, Covenant Insurance, Covenant Mutual Insurance, Covington Mutual Insurance Company, Criterion Insurance Company, Cumis Insurance Society, Inc., Dairyland Insurance Company, Diversified Insurance Company, Dixie Auto Insurance Company, Dominion Insurance Corporation, (The), Drake Insurance Company, Druggist Mutual Insurance Company, Eagle Star Insurance Company, Eagle Star Insurance Company Ltd., Early Settlers Insurance Company, Economical Mutual Insurance Company, Economical Mutual Insurance Company, Economy Fire & Casualty Company, Edmonton Canadian Insurance Company, Eldorado Insurance Company, Electric Insurance Company, Electric Mutual Liability Insurance Company, EMCASCO Insurance Company, Emmco Insurance Company, Empire Fire & Marine Insurance Company, Empire Mutual Insurance Company, Employers Casualty Company, Employers’ Fire & Casualty Company, Employers Mutual Casualty Company, Employers Mutual Liability Insurance Company of Wisconsin, Employers National Insurance Company, Employers Reinsurance Corporation, Equitable General, equitable General Insurance Company, Equity Mutual Insurance Company, Erie Insurance Exchange, Erie Mutual Insurance, Excalibur Insurance Company, Excel Insurance Company, Excess Mutual Reinsurance Company, FB Insurance Company, Farm Bureau Mutual Insurance Company, Farm Family Mutual Insurance Company, Family Insurance Corporation, Farmers Alliance Mutual Insurance Company, Farmers Automobile Insurance Association, Farmers Casualty Company, Farmers Home Mutual Insurance Company, Farmers Insurance Company of American, Farmers Insurance Company Inc., Farmers Insurance Company of Arkansas, Farmers Insurance Company or Idaho, Farmers Mutual Insurance Company of Nebraska, Farmers Insurance Company of Washington, Farmers Insurance Exchange, Farmers Union Co-Operative Insurance Company, First of Georgia Mutual, First Heartland Surety & Casualty Insurance Company, First Insurance Company of Hawaii, Ltd., First National Insurance Company of America, First Preferred Insurance Company, Florida Farm Bureau Casualty Insurance Company, Florida Farm Bureau Mutual Insurance Company, Foremost Insurance Company, Formosa Mutual Insurance Company, Forum Insurance Company, Frankenmuth Mutual Insurance Company, Gambles Insurance Company, General Casualty Company of Wisconsin, General Security Insurance Company of Canada, General Security Insurance Company, Gerling Global General Insurance Company, Liverpool & London & Globe Insurance Company, General Insurance Company of America, General Reinsurance Corporation, Glen Falls Insurance Company (The), Globe Indemnity Company, Gold Medal Insurance Company, Goodville Mutual Casualty Company, Gopher State Mutual Insurance, Government Employees Insurance Company, Granite State Insurance Company, Great Central Insurance Company, Great Northern Insurance Company, Great West Casualty Company, Greater New York Casualty Company, Grinnell Mutual Reinsurance, Gulf Insurance Group, Hanover Insurance Company, Harbor Insurance Company, Harco National Insurance Company, Harleysville Mutual Insurance Company, Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hawkeye-Security Insurance Company, Highlands Insurance Company, Home Indemnity Company, Home Insurance Company, Home Insurance Company of Indiana, Home Mutual Insurance Company, Horace Mann Insurance Company, Horizon Underwriters, Inc., Ideal Mutual Insurance Company, Illinois Farmers Insurance Company, Imperial Insurance Company, INA Reinsurance Company, Inland Insurance Company, Insurance Company of North America, Insurance Company of the State of Pennsylvania, Integrity Insurance Company, Integrity Mutual Insurance Company, Iowa Kemper Insurance Company, Iowa Mutual Insurance Company, Iowa National Mutual Insurance Company, Jefferson Insurance Company of New York, Kent & Essex Mutual Insurance Company, Lakeland Fire and Casualty Company, Land Of Lakes Mutual Insurance Company, League General Insurance Company, Leatherby Insurance Company, Liberty Mutual Insurance Company, London Assurance Company, London Guarantee & Accident Company of New York, Lyndon Insurance Company, MFA Mutual Insurance Company, Manchester Insurance and Indemnity Company, Maryland Casualty Company, Massachusetts Bay Insurance Company, Metropolitan Property & Liability Insurance Company, Michigan Mutual Insurance Company, MID Century Insurance Company, Mid-Continent Casualty Company, Midland Insurance Company, Midland Union Mutual Insurance Company, Mid-States v, Midwest Mutual Insurance Company, Milbank Mutual Insurance Company, Millers Mutual Insurance Association, Millers Mutual Insurance Company, Millers National Insurance Company, Milwaukee Mutual Insurance Company, Minnehoma Insurance Company, Minnesota
Farmers Mutual Insurance Company, Minnesota Mutual Fire & Casualty Company, Mission Insurance Company, Mobile Insurance Company, Modern Service Insurance Company, Monarch Insurance Company of Ohio, Motor Club of America Insurance Company, Motor Vehicle Casualty Company, Motors Insurance Corporation, Motorists Beneficial Insurance Company, Mount Rushmore Insurance Company, Mutual Service Casualty Insurance Company, National American Insurance Company, National American Company of New York, National Ben Franklin Insurance Company of Illinois, National Casualty Company, National Family Insurance Company, National Farmers Union Property & Casualty, National General Insurance Company, National Indemnity Company, National Independence v, National Insurance Underwriters, National Reinsurance Corporation, Nationwide General Insurance Company, Nationwide Mutual Insurance Company, New England Reinsurance Corporation, New Hampshire Insurance Company, New York Underwriters Insurance Company, Newark Insurance Company, North American Company for Property & Casualty, North American Reinsurance Corporation, North River Insurance Company, North Star Mutual Insurance Company, Northern Assurance Company of America, Northern Insurance Company of New York, Northland Insurance Company, Northwestern National Casualty Company, Northwestern National Insurance Company, Ohio Casualty Insurance Company, Old Republic Insurance Company, Olympic Insurance Company, Omaha Indemnity Company, Pacific Indemnity Company, Peerless Insurance Company, Pennsylvania General Insurance Company, Pennsylvania National Mutual Casualty Insurance Company, Petroleum Casualty Company, Philadelphia Reinsurance Corporation, Phoenix Assurance Company of NY, Planet Insurance Company, Potomac Insurance Company, Preferred Insurance Company, Preferred Risk Mutual Insurance Company, Premier Insurance Company, Presdio Insurance Company, Progressive Casualty Insurance, Proprietors Insurance Company, Protection Mutual Insurance Company, Protective Insurance Company, Protective National Insurance Company of Omaha, Providence Washington Insurance Company, Prudential Property & Casualty Insurance Company, Prudential Reinsurance Company, Puritan Insurance Company, Ranger Insurance Company, Reciprocal Exchange, Regent Insurance Company, Reinsurance Association of Minnesota, Reinsurance Corporation of New York, Reliance Insurance Company, Republic Insurance Company, Republic Underwriters Insurance Company, Reserve Insurance Company, Riverside Insurance Company, Royal Globe Insurance Company, Royal Indemnity Company, Royal Insurance Company Ltd., SAFEGUARD Insurance Company, Sea Insurance Company Ltd., Select Insurance Company, State Automobile Casualty Underwriters, Sun Insurance Office Ltd., Teachers Company of Delaware, Travelers Insurance Company, Travelers Indemnity Company, Travelers Indemnity Company of
America, Travelers Indemnity Company of Rhode Island, Travelers Indemnity Company of Illinois, Tri-State Insurance Company, United Services Auto Association, United
States Liability Insurance Company, Universal Underwriters, USAA Casualty Insurance Company, USAA General Indemnity Company, Vigilant Insurance Company, and West American Insurance Company.

1. 1995 Honda Civic
2. 1991 Toyota Camry
3. 1989 Oldsmobile Cutlass
4. 1994 Honda Accord
5. 1996 Chevrolet Blazer
6. 1992 Buick Century
7. 1993 Saturn SL
8. 1992 Dodge Caravan
9. 1996 Ford Explorer
10. 1994 Chevrolet C/K 1500 Pickup (full size)

Safety devices such as anti-lock brakes side air bags, automatic seat belts and daytime running lights may also reduce your premiums along with anti theft devices like an alarm system and global positioning systems.  Parking your car in a garage or secured area is another way to reduce your premiums.  Where you live will affect your insurance rates which can be affected by weather extremes, high theft risk, and high traffic patterns.  Don’t forget to maintain a good credit record as the insurance company looks at this to determine how likely you are to pay your premiums on time.  Prior accident claims will also be a red flag to insurance companies especially if there are several claims on your past record.  The amount of your deductible is also a key factor when determining insurance rates.  The higher your deductible is, the lower your insurance rates will be.