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Minnesota Insurance Guide
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Insurance in Minnesota
Find comprehensive insurance information for Minnesota (MN) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Minnesota (MN) |
| Region | Midwest |
| Population | ~5.7M residents |
| Health Marketplace | MNsure |
| Insurance Regulator | Minnesota Department of Insurance |
Health Insurance in Minnesota
Minnesota residents can find health coverage through:
- MNsure - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Minnesota
Minnesota has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Minnesota
Protect your home with coverage tailored to Minnesota’s specific risks and requirements.
Life Insurance in Minnesota
Find life insurance options available to Minnesota residents to protect your family’s financial future.
How Minnesota Compares
Understanding how Minnesota stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Minnesota | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,234 | $1,935 | -36% (below average) |
| Health Insurance (monthly) | $367 | $477 | -23% (among the lowest) |
| Home Insurance (annual) | $2,089 | $2,377 | -12% (above average) |
| Uninsured Rate | 4.8% | 9.5% | -49% (among the best) |
Key Insights
- Health insurance premiums are relatively affordable compared to other states, ranking #4 lowest.
- Minnesota has one of the lowest uninsured rates in the nation (#4), indicating strong access to coverage.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Minnesota Department of Commerce - Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- MNsure (opens in new tab) - Minnesota’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Minnesota address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Minnesota Department of Commerce
- Phone
- 651-539-1500
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Minnesota?
Minnesota requires minimum liability coverage of 30/60/10: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $10,000 for property damage. As a no-fault state, Minnesota also requires $40,000 in Personal Injury Protection (PIP).
How do I get health insurance in Minnesota?
Minnesota has its own state marketplace, MNsure. Open enrollment runs November through January. Minnesota has generous Medicaid coverage (Medical Assistance) and MinnesotaCare for those who don’t qualify for Medicaid but need affordable coverage.
Does Minnesota homeowners insurance cover ice dam damage?
Yes, water damage resulting from ice dams is typically covered under standard homeowners insurance. However, the cost of removing ice dams and preventing future damage is generally not covered. Proper insulation and ventilation can prevent ice dams.
Is Minnesota a no-fault auto insurance state?
Yes, Minnesota is a no-fault state with required Personal Injury Protection (PIP). Your own insurance covers your medical expenses up to $40,000 regardless of fault. You can pursue at-fault claims for serious injuries or damages above PIP limits.
What is the average cost of car insurance in Minnesota?
Minnesota drivers pay approximately $1,200-$1,400 per year for full coverage auto insurance, which is below the national average. Minneapolis-St. Paul metro area rates are higher than rural areas.
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[minnesota] Insurance Types
Compare insurance options available to [minnesota] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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