Minnesota Auto Insurance for First-Time Drivers

Pays for injuries you cause to other people in an at-fault accident, including medical bills, lost wages, and legal costs if you're sued. This coverage does not pay for your own injuries, which are covered by your required PIP coverage.

Covers damage you cause to other people's vehicles, fences, buildings, or property in an at-fault accident.

Required in Minnesota's no-fault system, PIP pays your own medical bills, lost wages, and essential services like childcare after any accident, regardless of fault. This is the coverage that makes Minnesota a no-fault state — you file with your own insurer first rather than pursuing the at-fault driver.

Covers your injuries when hit by a driver with no insurance or insufficient coverage to pay for your damages. Minnesota law requires insurers to offer this coverage at 25/50 limits, and you must reject it in writing if you don't want it — it's automatically included otherwise.

Comprehensive covers non-accident damage like theft, hail, deer strikes, and vandalism; collision covers damage to your car in an accident regardless of fault. Neither is required by Minnesota law, but both are mandatory if you're financing or leasing a vehicle. Minnesota's high deer population and severe winter weather make comprehensive particularly valuable — deer-vehicle collisions peak in November, and hail damage is common in summer storms across the state.