The Twin Cities of Minneapolis and St. Paul might take the spotlight in Minnesota, but residents of the state know how much there is to do and see across its rolling prairies, lush green forests and sparkling lakes. Get out and see everything the Land of 1000 Lakes has to offer, and protect your car while you're doing it! Nationwide offers flexible, reliable car insurance for any budget. Get the coverage you need today.
Take advantage of Nationwide's features
Nationwide makes it easy for you to find dependable auto insurance in Minnesota. We can show you options so you can choose the coverage that's right for your needs, goals and budget.
Explore the features below to learn more about what we can offer you:
Minnesota car insurance discounts
Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.
SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2
Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.
This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.
If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.
It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.
Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.
When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.
Save up to 20% when you bundle home and car insurance with Nationwide.
Find Nationwide Insurance near you in Minnesota
Minimum insurance requirements for Minnesota
The minimum amount of Minnesota auto insurance coverage is $30,000/$60,000/$10,000. In the event of a covered accident, your limits for bodily injury are $30,000 per person, with a total maximum of $60,000 per incident. It also covers up to $10,000 for damage to another person’s property.
Liability coverage provides for your legal defense if a lawsuit is brought against you as a result of a covered accident. As a resident of Minnesota, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
- Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
- Bodily injury helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.
Personal injury protection (PIP)
Reimburses a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians).
Optional Minnesota insurance coverage
It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:
This type of Minnesota auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).
Nationwide coverage in Minnesota
 Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.
 Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.