Is state minimum car insurance enough in Minnesota?

The minimum car insurance is what you need to drive legally in Minnesota. But you may consider higher coverage limits if you want to have enough to fully cover damages in the event of an accident and feel safer behind the wheel.

How much insurance coverage you need depends on your budget and your vehicle, so make sure to do the math and get the policy that provides you with all the protection you need.

There are also certain damages that the minimum required coverage does not apply to, such as:

Damage to your vehicle after an accident
Damage to your vehicle after hitting an object, such as a fence or a tree
Damage from hitting an animal
Theft
Vandalism
Natural disasters, such as floods and fires
If you want to protect yourself from these damages, you may consider adding collision and comprehensive coverages to your car insurance policy.

Collision coverage: This policy covers repair expenses when your vehicle is damaged in an accident that involves another vehicle or object. It also compensates you for the actual cash value of your vehicle if it is totaled. Collision coverage is a great addition to your liability policy so that not just the other driver’s vehicle is covered, but yours is, too.

Comprehensive coverage: This coverage option complements collision coverage and covers damage to your vehicle that occurs during an event that was not a collision with another vehicle or object. It applies when your vehicle is stolen or vandalized or needs repairs after being through a natural disaster or a run-in with an animal.

Adding collision and comprehensive coverage to your insurance policy is a great way to protect yourself against high out-of-pocket costs.