{"id":4866,"date":"2025-12-01T10:21:57","date_gmt":"2025-12-01T15:21:57","guid":{"rendered":"https:\/\/pretected-wp.cerebralex.com\/cheap-car-insurance-rates-in-minnesota-year\/"},"modified":"2025-12-01T10:21:57","modified_gmt":"2025-12-01T15:21:57","slug":"cheap-car-insurance-rates-in-minnesota-year","status":"publish","type":"post","link":"https:\/\/pretected.com\/articles\/cheap-car-insurance-rates-in-minnesota-year\/","title":{"rendered":"Cheap Car Insurance Rates in Minnesota <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span>"},"content":{"rendered":"<h3>Minnesota Auto Insurance<\/h3><p>Knowing the facts on auto insurance in Minnesota is important if you&#8217;re looking for car insurance. You probably want good quality but cheap auto insurance in Minnesota, and to do that you will also want to obey the Minnesota driving laws. Here are some of the most important details for you to consider.<\/p><h4>Car Insurance Requirements in Minnesota<\/h4><p>Minnesota minimum auto insurance requirements are important. They give you information on the amount of insurance you have to have to drive legally on the roads in that state. These requirements were instituted in <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span> when the Mandatory Liability Insurance Law was passed and signed. Per this law, all drivers in the state must carry:<\/p><ul><li>$30,000 worth of bodily injury or death coverage per person<\/li><li>$60,000 worth of bodily injury or death coverage per accident<\/li><li>$10,000 worth of property damage coverage<\/li><\/ul><p>These are all liability coverages, and you also need PIP. The limits on that are $20,000 for medical coverage and $20,000 for loss of income. You won&#8217;t be required to have collision or comprehensive in the state, but if you finance a car your lender may require those coverages to be in place.<\/p><h4>Is Minnesota a No-Fault State?<\/h4><p>Minnesota is a no-fault state. That means people injured in car accidents have the right to some medical treatment, compensation for lost wages, and some replacement expenses, no matter who was at fault in their accident. But someone causing a serious accident can still be sued, ticketed, or have other measures taken against them.<\/p><p> <\/p><p>\n<div class=\"inline-zip-cta\">\n  <div class=\"inline-zip-cta__trust-badge\">\n    <svg class=\"inline-zip-cta__shield\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n      <path d=\"M12 2L4 6v6c0 5.5 3.8 10.7 8 12 4.2-1.3 8-6.5 8-12V6l-8-4z\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n      <path d=\"M9 12l2 2 4-4\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n    <\/svg>\n    <span>Trusted by 10M+ Drivers<\/span>\n  <\/div>\n  \n  <div class=\"inline-zip-cta__header\">\n    <strong>Enter your ZIP code<\/strong> to compare your different options and stop overpaying!\n  <\/div>\n  \n  <p class=\"inline-zip-cta__text\">\n    Insurance rates change constantly. Find out if you&#8217;re eligible for lower premiums from leading providers.\n  <\/p>\n  \n  <form class=\"inline-zip-cta__form\" action=\"https:\/\/pretected.com\/auto-insurance\" method=\"get\" novalidate>\n    <label class=\"sr-only\" for=\"zip-inline\">Zip Code<\/label>\n    <input\n      id=\"zip-inline\"\n      name=\"zip\"\n      class=\"inline-zip-cta__input\"\n      type=\"text\"\n      inputmode=\"numeric\"\n      autocomplete=\"postal-code\"\n      placeholder=\"Enter ZIP Code\"\n      pattern=\"^d{5}$\"\n      title=\"Enter a 5-digit ZIP code\"\n      required\n    \/>\n    <button class=\"inline-zip-cta__button\" type=\"submit\">\n      GET RATES\n      <svg class=\"inline-zip-cta__icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n        <path d=\"M13.5 5l7 7-7 7M3.5 12h16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n    <\/button>\n  <\/form>\n  \n  <div class=\"inline-zip-cta__trust-line\">\n    <span class=\"inline-zip-cta__trust-item\">\n      <svg viewBox=\"0 0 20 20\" aria-hidden=\"true\">\n        <circle cx=\"10\" cy=\"10\" r=\"9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n        <path d=\"M6 10l3 3 5-6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n      100% Free\n    <\/span>\n    <span class=\"inline-zip-cta__trust-item\">\n      <svg viewBox=\"0 0 20 20\" aria-hidden=\"true\">\n        <circle cx=\"10\" cy=\"10\" r=\"9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n        <path d=\"M6 10l3 3 5-6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n      No Obligation\n    <\/span>\n    <span class=\"inline-zip-cta__trust-item\">\n      <svg viewBox=\"0 0 20 20\" aria-hidden=\"true\">\n        <circle cx=\"10\" cy=\"10\" r=\"9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n        <path d=\"M6 10l3 3 5-6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n      Secure &#038; Private\n    <\/span>\n  <\/div>\n  \n  <!-- Insurance Logos Section -->\n  <div class=\"inline-zip-cta__logos\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Liberty-Mutual.png\" alt=\"Liberty Mutual\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Progressive.png\" alt=\"Progressive\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/The-Hartford.png\" alt=\"The Hartford\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Direct-Auto-Insurance.png\" alt=\"Direct Auto Insurance\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Kemper.png\" alt=\"Kemper\" class=\"inline-zip-cta__logo\">\n  <\/div>\n<\/div>\n\n<style>\n  .inline-zip-cta {\n    background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%) !important;\n    border: 2px solid #e5e7eb !important;\n    border-radius: 20px !important;\n    padding: 24px !important;\n    margin: 0px 0 15px 0 !important;  \/* top right bottom left *\/\n    box-sizing: border-box !important;\n    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08) !important;\n  }\n  \n  .inline-zip-cta__trust-badge {\n    display: inline-flex !important;\n    align-items: center !important;\n    gap: 8px !important;\n    padding: 6px 14px !important;\n    margin: 0 0 16px 0 !important;\n    background: linear-gradient(135deg, #3b82f6 0%, #2563eb 100%) !important;\n    border: none !important;\n    border-radius: 20px !important;\n    color: #ffffff !important;\n    font-size: 13px !important;\n    font-weight: 600 !important;\n    letter-spacing: 0.3px !important;\n    box-shadow: 0 4px 12px rgba(59, 130, 246, 0.25) !important;\n  }\n  \n  .inline-zip-cta__shield {\n    width: 16px !important;\n    height: 16px !important;\n    color: #ffffff !important;\n    flex-shrink: 0 !important;\n  }\n  \n  .inline-zip-cta__header {\n    margin: 0 0 8px 0 !important;\n    padding: 0 !important;\n    color: #1f2937 !important;\n    font-size: 20px !important;\n    line-height: 1.4 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n  }\n  \n  .inline-zip-cta__header strong {\n    color: #111827 !important;\n    font-weight: 700 !important;\n  }\n  \n  .inline-zip-cta__text {\n    margin: 0 0 20px 0 !important;\n    padding: 0 !important;\n    color: #4b5563 !important;\n    font-size: 15px !important;\n    line-height: 1.5 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n  }\n  \n  .inline-zip-cta__form {\n    position: relative !important;\n    display: block !important;\n    margin: 0 0 16px 0 !important;\n    padding: 0 !important;\n  }\n  \n  .inline-zip-cta__input {\n    width: 100% !important;\n    height: 60px !important;\n    padding: 0 140px 0 24px !important;\n    font-size: 17px !important;\n    line-height: 1.4 !important;\n    border: 2px solid #d1d5db !important;\n    border-radius: 12px !important;\n    background: #ffffff !important;\n    outline: none !important;\n    transition: all 0.3s ease !important;\n    box-sizing: border-box !important;\n    color: #1a1a1a !important;\n    font-weight: 500 !important;\n    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05) !important;\n  }\n  \n  .inline-zip-cta__input:focus {\n    border-color: #6ec04d !important;\n    box-shadow: 0 0 0 3px rgba(110, 192, 77, 0.15), \n                0 2px 4px rgba(0, 0, 0, 0.05) !important;\n  }\n  \n  .inline-zip-cta__input::placeholder {\n    color: #9ca3af !important;\n    opacity: 1 !important;\n  }\n  \n  .inline-zip-cta__button {\n    position: absolute !important;\n    right: 6px !important;\n    top: 50% !important;\n    transform: translateY(-50%) !important;\n    display: inline-flex !important;\n    justify-content: center !important;\n    align-items: center !important;\n    gap: 8px !important;\n    padding: 0 26px !important;\n    height: 48px !important;\n    margin: 0 !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1 !important;\n    letter-spacing: 0.5px !important;\n    border: none !important;\n    border-radius: 10px !important;\n    background: linear-gradient(135deg, #6ec04d 0%, #5fb03d 100%) !important;\n    color: #fff !important;\n    cursor: pointer !important;\n    white-space: nowrap !important;\n    box-shadow: 0 4px 12px rgba(110, 192, 77, 0.4), \n                inset 0 1px 0 rgba(255, 255, 255, 0.2) !important;\n    transition: all 0.3s ease !important;\n    box-sizing: border-box !important;\n    text-decoration: none !important;\n  }\n  \n  .inline-zip-cta__button:hover { \n    transform: translateY(-50%) scale(1.02) !important;\n    box-shadow: 0 6px 16px rgba(110, 192, 77, 0.5), \n                inset 0 1px 0 rgba(255, 255, 255, 0.2) !important;\n    background: linear-gradient(135deg, #7dd15d 0%, #6ec04d 100%) !important;\n  }\n  \n  .inline-zip-cta__button:active { \n    transform: translateY(-50%) scale(0.98) !important;\n    box-shadow: 0 2px 8px rgba(110, 192, 77, 0.3) !important;\n  }\n  \n  .inline-zip-cta__icon { \n    width: 20px !important; \n    height: 20px !important;\n    flex-shrink: 0 !important;\n  }\n  \n  .inline-zip-cta__trust-line {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    gap: 16px !important;\n    margin: 0 0 20px 0 !important;\n    padding: 0 !important;\n  }\n  \n  .inline-zip-cta__trust-item {\n    display: inline-flex !important;\n    align-items: center !important;\n    gap: 6px !important;\n    color: #374151 !important;\n    font-size: 13px !important;\n    font-weight: 500 !important;\n    line-height: 1 !important;\n  }\n  \n  .inline-zip-cta__trust-item svg {\n    width: 16px !important;\n    height: 16px !important;\n    color: #6ec04d !important;\n    flex-shrink: 0 !important;\n  }\n  \n  \/* Insurance Logos Section *\/\n  .inline-zip-cta__logos {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    align-items: center !important;\n    justify-content: center !important;\n    gap: 30px !important;\n    padding: 16px 0 0 0 !important;\n    margin: 0 !important;\n    border-top: 2px solid #e5e7eb !important;\n  }\n  \n  .inline-zip-cta__logo {\n    height: 32px !important;\n    width: auto !important;\n    max-width: 120px !important;\n    object-fit: contain !important;\n    opacity: 0.6 !important;\n    transition: opacity 0.3s ease !important;\n    filter: grayscale(100%) brightness(0.3) !important;\n  }\n  \n  .inline-zip-cta__logo:hover {\n    opacity: 0.8 !important;\n  }\n  \n  .sr-only {\n    position: absolute !important;\n    width: 1px !important; \n    height: 1px !important;\n    padding: 0 !important; \n    margin: -1px !important; \n    overflow: hidden !important;\n    clip: rect(0,0,0,0) !important; \n    white-space: nowrap !important; \n    border: 0 !important;\n  }\n  \n  @media (max-width: 640px) {\n    .inline-zip-cta {\n      padding: 20px !important;\n    }\n    \n    .inline-zip-cta__header {\n      font-size: 18px !important;\n    }\n    \n    .inline-zip-cta__input {\n      padding-right: 20px !important;\n      margin-bottom: 12px !important;\n    }\n    \n    .inline-zip-cta__button {\n      position: static !important;\n      transform: none !important;\n      width: 100% !important;\n      height: 52px !important;\n    }\n    \n    .inline-zip-cta__button:hover {\n      transform: scale(1.02) !important;\n    }\n    \n    .inline-zip-cta__button:active {\n      transform: scale(0.98) !important;\n    }\n    \n    .inline-zip-cta__trust-line {\n      gap: 12px !important;\n      justify-content: center !important;\n    }\n    \n    .inline-zip-cta__trust-item {\n      font-size: 12px !important;\n    }\n    \n    .inline-zip-cta__logos {\n      gap: 16px !important;\n    }\n    \n    .inline-zip-cta__logo {\n      height: 28px !important;\n      max-width: 100px !important;\n    }\n  }\n<\/style>\n\n<script>\n(function() {\n  \/\/ Wait for everything to load\n  if (document.readyState === 'loading') {\n    document.addEventListener('DOMContentLoaded', init);\n  } else {\n    init();\n  }\n  \n  function init() {\n    var form = document.querySelector('.inline-zip-cta__form');\n    if (!form) return;\n    \n    var zipInput = document.getElementById('zip-inline');\n    if (!zipInput) return;\n    \n    \/\/ Prefill zip from URL\n    try {\n      var urlParams = new URLSearchParams(window.location.search);\n      var urlZip = urlParams.get('zip');\n      if (urlZip && \/^d{5}$\/.test(urlZip) && !zipInput.value) {\n        zipInput.value = urlZip;\n      }\n    } catch(e) {}\n    \n    \/\/ Handle form submission\n    form.addEventListener('submit', function(e) {\n      e.preventDefault();\n      \n      try {\n        var currentParams = new URLSearchParams(window.location.search);\n        var actionUrl = new URL(form.action);\n        var zipValue = zipInput.value;\n        \n        \/\/ Preserve all existing URL parameters\n        for (var entry of currentParams.entries()) {\n          if (entry[0] !== 'zip') {\n            actionUrl.searchParams.set(entry[0], entry[1]);\n          }\n        }\n        \n        \/\/ Add the zip parameter\n        if (zipValue) {\n          actionUrl.searchParams.set('zip', zipValue);\n        }\n        \n        window.location.href = actionUrl.toString();\n      } catch(e) {\n        \/\/ Fallback to regular form submission\n        form.submit();\n      }\n    });\n  }\n})();\n<\/script>\n<\/p><p> <\/p><h3>Car Insurance Prices in Minnesota<\/h3><p>Car insurance prices in Minnesota range from $1,066 to $1,901. These are for liability on the low end and full coverage on the high end. Teen drivers will pay more for their insurance than someone who is older, and elderly people will also pay more as they reach their senior years. Drivers who are between 35 and 75 typically pay the lowest car insurance rates.<\/p><p> <\/p><p> <\/p><p> <\/p><p> <\/p><p> <\/p><p> <\/p><p> <\/p><figure class=\"table\"><table><thead><tr><th>Age<\/th><th>Most Popular Vehicle<\/th><th>Gender<\/th><th colspan=\"3\">Most Common City<\/th><\/tr><\/thead><tbody><tr><td>18 &#8211; 24<\/td><td>Chevrolet<\/td><td>Male &#8211; 61% | Female &#8211; 39%<\/td><td colspan=\"3\">Minneapolis<\/td><\/tr><tr><td>25 &#8211; 54<\/td><td>Chevrolet<\/td><td>Male &#8211; 52% | Female &#8211; 48%<\/td><td colspan=\"3\">Minneapolis<\/td><\/tr><tr><td>55 &#8211; 64<\/td><td>Chevrolet<\/td><td>Male &#8211; 44% | Female &#8211; 56%<\/td><td colspan=\"3\">Minneapolis<\/td><\/tr><tr><td>65 +<\/td><td>Chevrolet<\/td><td>Male &#8211; 43% | Female &#8211; 57%<\/td><td colspan=\"3\">Minneapolis<\/td><\/tr><\/tbody><\/table><\/figure><p>* This information is based on Pretected.com users.<\/p><h4>Auto Insurance for Good Drivers<\/h4><p>Good drivers have good driving habits. They don&#8217;t get tickets and they&#8217;re rarely in an accident. Because of that, insurance companies give them lower rates to indicate that they are lower risk. Shopping around can mean big discounts.<\/p><h4>Auto Insurance for Bad Drivers<\/h4><p>For those who have some marks on their driving record, like a DUI, tickets, or accidents, getting insurance is still certainly possible. But it might cost a little bit more than it would for someone with a better driving record. Some insurers see these things as more of a problem than others, so you might find better prices shopping around with different companies.<\/p><p> <\/p><h3>Traffic Violations and Fines in Minnesota<\/h3><h4>Speeding Ticket Cost in Minnesota<\/h4><p>Speeding ticket prices are going to vary because they are based on the prices set by the county, not the state. Most tickets result in several hundred dollars in fines. If you end up convicted of reckless driving in Minnesota you can expect hefty fines and some extra points on your license, too.<\/p><h4>Driving While High Laws in Minnesota<\/h4><p>DUI laws in Minnesota are about more than alcohol, and include driving under the influence of marijuana. No matter whether a driver can legally have the drug at home, getting behind the wheel while high is illegal.<\/p><h4>Driving Without Car Insurance in Minnesota<\/h4><p>Drivers must have car insurance. If they are driving without it they can face a $200 fine, along with imprisonment and a revocation of their driver&#8217;s license and car registration. There is a $30 fee for reinstatement, as well.<\/p><h4>Texting and Driving in Minnesota<\/h4><p>Distracted driving means texting, but it can also include other cell phone use while driving, eating while driving and a whole host of other activities. Not all of these are illegal, but they are all distracting and dangerous. It&#8217;s much better to pay close attention behind the wheel and leave the distractions at home.<\/p><p> <\/p><p><blockquote class=\"twitter-quote\">Riding a motorcycle? You better have a shirt on! It&#8217;s illegal to ride without one.<\/blockquote><\/p><p> <\/p><h3>Minnesota Car Accidents<\/h3><p>There were 74,772 car accidents in Minnesota in <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span>, which is the latest year with available data. There were 411 deaths as a result of these crashes, and many more people injured. According to Minnesota car accident statistics, the number of crash deaths was an increase of 13.9 percent from the year before. With the state having seat belt usage of 94 percent, it was a surprise that the deaths from car accidents rose.<\/p><h4>Reasons for Car Accidents in Minnesota<\/h4><p>More pedestrians were involved in accidents in <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span> than they were in <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span>, but the number of alcohol-related crashes and crashes caused by teen drivers both went down. Train vs. car collisions also dropped. But more senior drivers and motorcycle riders were involved in accidents, and more died as a result of those accidents in <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span> than they did in <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span>.<\/p><h4>Car Accident Statistics by Vehicle Type in Minnesota<\/h4><p>Passenger cars still make up the largest number of accidents throughout Minnesota. SUVs and pickup trucks contributed, but in much smaller numbers. With motorcycle riding at an all-time high in the state, the number of accidents involving motorcycles rose 33 percent between <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span> and <span class=\"ktm-static\" data-ktm=\"year\">2026<\/span>, as well.<\/p><h4>Car Accidents in Minnesota &#8211; More Facts<\/h4><p>On average, there was a car accident in Minnesota every few minutes of every day, all throughout the year. Most of these occurred in more urban areas, but there are some rural locations where speed limits are higher and more serious accidents occur. The weather can also contribute, as Minnesota gets harsh winters.<br> <\/p><h3>Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Minnesota<\/h3><ul><li>You can&#8217;t cross into another state with a duck on your head, so be sure to put your web-footed friend on the passenger seat, instead.<\/li><li>In Minneapolis and driving a red car? Stay off of Lake St. or you&#8217;ll be in violation of the law.<\/li><\/ul><p> <\/p><p><strong>Looking for Auto insurance in Minnesota? Compare Between Relevant Insurance Quotes And Save Money Using Pretected&#8217;s &#8220;Smart Match&#8221;:<\/strong><\/p><p>\n<div class=\"inline-zip-cta\">\n  <div class=\"inline-zip-cta__trust-badge\">\n    <svg class=\"inline-zip-cta__shield\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n      <path d=\"M12 2L4 6v6c0 5.5 3.8 10.7 8 12 4.2-1.3 8-6.5 8-12V6l-8-4z\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n      <path d=\"M9 12l2 2 4-4\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n    <\/svg>\n    <span>Trusted by 10M+ Drivers<\/span>\n  <\/div>\n  \n  <div class=\"inline-zip-cta__header\">\n    <strong>Enter your ZIP code<\/strong> to compare your different options and stop overpaying!\n  <\/div>\n  \n  <p class=\"inline-zip-cta__text\">\n    Insurance rates change constantly. Find out if you&#8217;re eligible for lower premiums from leading providers.\n  <\/p>\n  \n  <form class=\"inline-zip-cta__form\" action=\"https:\/\/pretected.com\/auto-insurance\" method=\"get\" novalidate>\n    <label class=\"sr-only\" for=\"zip-inline\">Zip Code<\/label>\n    <input\n      id=\"zip-inline\"\n      name=\"zip\"\n      class=\"inline-zip-cta__input\"\n      type=\"text\"\n      inputmode=\"numeric\"\n      autocomplete=\"postal-code\"\n      placeholder=\"Enter ZIP Code\"\n      pattern=\"^d{5}$\"\n      title=\"Enter a 5-digit ZIP code\"\n      required\n    \/>\n    <button class=\"inline-zip-cta__button\" type=\"submit\">\n      GET RATES\n      <svg class=\"inline-zip-cta__icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n        <path d=\"M13.5 5l7 7-7 7M3.5 12h16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n    <\/button>\n  <\/form>\n  \n  <div class=\"inline-zip-cta__trust-line\">\n    <span class=\"inline-zip-cta__trust-item\">\n      <svg viewBox=\"0 0 20 20\" aria-hidden=\"true\">\n        <circle cx=\"10\" cy=\"10\" r=\"9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n        <path d=\"M6 10l3 3 5-6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n      100% Free\n    <\/span>\n    <span class=\"inline-zip-cta__trust-item\">\n      <svg viewBox=\"0 0 20 20\" aria-hidden=\"true\">\n        <circle cx=\"10\" cy=\"10\" r=\"9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n        <path d=\"M6 10l3 3 5-6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n      No Obligation\n    <\/span>\n    <span class=\"inline-zip-cta__trust-item\">\n      <svg viewBox=\"0 0 20 20\" aria-hidden=\"true\">\n        <circle cx=\"10\" cy=\"10\" r=\"9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"\/>\n        <path d=\"M6 10l3 3 5-6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <\/svg>\n      Secure &#038; Private\n    <\/span>\n  <\/div>\n  \n  <!-- Insurance Logos Section -->\n  <div class=\"inline-zip-cta__logos\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Liberty-Mutual.png\" alt=\"Liberty Mutual\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Progressive.png\" alt=\"Progressive\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/The-Hartford.png\" alt=\"The Hartford\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Direct-Auto-Insurance.png\" alt=\"Direct Auto Insurance\" class=\"inline-zip-cta__logo\">\n    <img decoding=\"async\" src=\"https:\/\/pretected.com\/articles\/wp-content\/uploads\/2025\/11\/Kemper.png\" alt=\"Kemper\" class=\"inline-zip-cta__logo\">\n  <\/div>\n<\/div>\n\n<style>\n  .inline-zip-cta {\n    background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%) !important;\n    border: 2px solid #e5e7eb !important;\n    border-radius: 20px !important;\n    padding: 24px !important;\n    margin: 0px 0 15px 0 !important;  \/* top right bottom left *\/\n    box-sizing: border-box !important;\n    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08) !important;\n  }\n  \n  .inline-zip-cta__trust-badge {\n    display: inline-flex !important;\n    align-items: center !important;\n    gap: 8px !important;\n    padding: 6px 14px !important;\n    margin: 0 0 16px 0 !important;\n    background: linear-gradient(135deg, #3b82f6 0%, #2563eb 100%) !important;\n    border: none !important;\n    border-radius: 20px !important;\n    color: #ffffff !important;\n    font-size: 13px !important;\n    font-weight: 600 !important;\n    letter-spacing: 0.3px !important;\n    box-shadow: 0 4px 12px rgba(59, 130, 246, 0.25) !important;\n  }\n  \n  .inline-zip-cta__shield {\n    width: 16px !important;\n    height: 16px !important;\n    color: #ffffff !important;\n    flex-shrink: 0 !important;\n  }\n  \n  .inline-zip-cta__header {\n    margin: 0 0 8px 0 !important;\n    padding: 0 !important;\n    color: #1f2937 !important;\n    font-size: 20px !important;\n    line-height: 1.4 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n  }\n  \n  .inline-zip-cta__header strong {\n    color: #111827 !important;\n    font-weight: 700 !important;\n  }\n  \n  .inline-zip-cta__text {\n    margin: 0 0 20px 0 !important;\n    padding: 0 !important;\n    color: #4b5563 !important;\n    font-size: 15px !important;\n    line-height: 1.5 !important;\n    font-weight: 400 !important;\n    text-align: left !important;\n  }\n  \n  .inline-zip-cta__form {\n    position: relative !important;\n    display: block !important;\n    margin: 0 0 16px 0 !important;\n    padding: 0 !important;\n  }\n  \n  .inline-zip-cta__input {\n    width: 100% !important;\n    height: 60px !important;\n    padding: 0 140px 0 24px !important;\n    font-size: 17px !important;\n    line-height: 1.4 !important;\n    border: 2px solid #d1d5db !important;\n    border-radius: 12px !important;\n    background: #ffffff !important;\n    outline: none !important;\n    transition: all 0.3s ease !important;\n    box-sizing: border-box !important;\n    color: #1a1a1a !important;\n    font-weight: 500 !important;\n    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05) !important;\n  }\n  \n  .inline-zip-cta__input:focus {\n    border-color: #6ec04d !important;\n    box-shadow: 0 0 0 3px rgba(110, 192, 77, 0.15), \n                0 2px 4px rgba(0, 0, 0, 0.05) !important;\n  }\n  \n  .inline-zip-cta__input::placeholder {\n    color: #9ca3af !important;\n    opacity: 1 !important;\n  }\n  \n  .inline-zip-cta__button {\n    position: absolute !important;\n    right: 6px !important;\n    top: 50% !important;\n    transform: translateY(-50%) !important;\n    display: inline-flex !important;\n    justify-content: center !important;\n    align-items: center !important;\n    gap: 8px !important;\n    padding: 0 26px !important;\n    height: 48px !important;\n    margin: 0 !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1 !important;\n    letter-spacing: 0.5px !important;\n    border: none !important;\n    border-radius: 10px !important;\n    background: linear-gradient(135deg, #6ec04d 0%, #5fb03d 100%) !important;\n    color: #fff !important;\n    cursor: pointer !important;\n    white-space: nowrap !important;\n    box-shadow: 0 4px 12px rgba(110, 192, 77, 0.4), \n                inset 0 1px 0 rgba(255, 255, 255, 0.2) !important;\n    transition: all 0.3s ease !important;\n    box-sizing: border-box !important;\n    text-decoration: none !important;\n  }\n  \n  .inline-zip-cta__button:hover { \n    transform: translateY(-50%) scale(1.02) !important;\n    box-shadow: 0 6px 16px rgba(110, 192, 77, 0.5), \n                inset 0 1px 0 rgba(255, 255, 255, 0.2) !important;\n    background: linear-gradient(135deg, #7dd15d 0%, #6ec04d 100%) !important;\n  }\n  \n  .inline-zip-cta__button:active { \n    transform: translateY(-50%) scale(0.98) !important;\n    box-shadow: 0 2px 8px rgba(110, 192, 77, 0.3) !important;\n  }\n  \n  .inline-zip-cta__icon { \n    width: 20px !important; \n    height: 20px !important;\n    flex-shrink: 0 !important;\n  }\n  \n  .inline-zip-cta__trust-line {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    gap: 16px !important;\n    margin: 0 0 20px 0 !important;\n    padding: 0 !important;\n  }\n  \n  .inline-zip-cta__trust-item {\n    display: inline-flex !important;\n    align-items: center !important;\n    gap: 6px !important;\n    color: #374151 !important;\n    font-size: 13px !important;\n    font-weight: 500 !important;\n    line-height: 1 !important;\n  }\n  \n  .inline-zip-cta__trust-item svg {\n    width: 16px !important;\n    height: 16px !important;\n    color: #6ec04d !important;\n    flex-shrink: 0 !important;\n  }\n  \n  \/* Insurance Logos Section *\/\n  .inline-zip-cta__logos {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    align-items: center !important;\n    justify-content: center !important;\n    gap: 30px !important;\n    padding: 16px 0 0 0 !important;\n    margin: 0 !important;\n    border-top: 2px solid #e5e7eb !important;\n  }\n  \n  .inline-zip-cta__logo {\n    height: 32px !important;\n    width: auto !important;\n    max-width: 120px !important;\n    object-fit: contain !important;\n    opacity: 0.6 !important;\n    transition: opacity 0.3s ease !important;\n    filter: grayscale(100%) brightness(0.3) !important;\n  }\n  \n  .inline-zip-cta__logo:hover {\n    opacity: 0.8 !important;\n  }\n  \n  .sr-only {\n    position: absolute !important;\n    width: 1px !important; \n    height: 1px !important;\n    padding: 0 !important; \n    margin: -1px !important; \n    overflow: hidden !important;\n    clip: rect(0,0,0,0) !important; \n    white-space: nowrap !important; \n    border: 0 !important;\n  }\n  \n  @media (max-width: 640px) {\n    .inline-zip-cta {\n      padding: 20px !important;\n    }\n    \n    .inline-zip-cta__header {\n      font-size: 18px !important;\n    }\n    \n    .inline-zip-cta__input {\n      padding-right: 20px !important;\n      margin-bottom: 12px !important;\n    }\n    \n    .inline-zip-cta__button {\n      position: static !important;\n      transform: none !important;\n      width: 100% !important;\n      height: 52px !important;\n    }\n    \n    .inline-zip-cta__button:hover {\n      transform: scale(1.02) !important;\n    }\n    \n    .inline-zip-cta__button:active {\n      transform: scale(0.98) !important;\n    }\n    \n    .inline-zip-cta__trust-line {\n      gap: 12px !important;\n      justify-content: center !important;\n    }\n    \n    .inline-zip-cta__trust-item {\n      font-size: 12px !important;\n    }\n    \n    .inline-zip-cta__logos {\n      gap: 16px !important;\n    }\n    \n    .inline-zip-cta__logo {\n      height: 28px !important;\n      max-width: 100px !important;\n    }\n  }\n<\/style>\n\n<script>\n(function() {\n  \/\/ Wait for everything to load\n  if (document.readyState === 'loading') {\n    document.addEventListener('DOMContentLoaded', init);\n  } else {\n    init();\n  }\n  \n  function init() {\n    var form = document.querySelector('.inline-zip-cta__form');\n    if (!form) return;\n    \n    var zipInput = document.getElementById('zip-inline');\n    if (!zipInput) return;\n    \n    \/\/ Prefill zip from URL\n    try {\n      var urlParams = new URLSearchParams(window.location.search);\n      var urlZip = urlParams.get('zip');\n      if (urlZip && \/^d{5}$\/.test(urlZip) && !zipInput.value) {\n        zipInput.value = urlZip;\n      }\n    } catch(e) {}\n    \n    \/\/ Handle form submission\n    form.addEventListener('submit', function(e) {\n      e.preventDefault();\n      \n      try {\n        var currentParams = new URLSearchParams(window.location.search);\n        var actionUrl = new URL(form.action);\n        var zipValue = zipInput.value;\n        \n        \/\/ Preserve all existing URL parameters\n        for (var entry of currentParams.entries()) {\n          if (entry[0] !== 'zip') {\n            actionUrl.searchParams.set(entry[0], entry[1]);\n          }\n        }\n        \n        \/\/ Add the zip parameter\n        if (zipValue) {\n          actionUrl.searchParams.set('zip', zipValue);\n        }\n        \n        window.location.href = actionUrl.toString();\n      } catch(e) {\n        \/\/ Fallback to regular form submission\n        form.submit();\n      }\n    });\n  }\n})();\n<\/script>\n<\/p><p> <\/p><p><h3>Sources and References<\/h3><ul class=\"resources-list\"><li><a href=\"https:\/\/www.dmv.org\/mn-minnesota\/car-insurance.php\" target=\"_blank\" rel=\"noopener\">https:\/\/www.dmv.org\/mn-minnesota\/car-insurance.php<\/a><\/li><li><a href=\"https:\/\/www.insurance.com\/auto-insurance.aspx\" target=\"_blank\" rel=\"noopener\">https:\/\/www.insurance.com\/auto-insurance.aspx<\/a><\/li><li><a href=\"https:\/\/www.sandlawllc.com\/statistical-breakdown-motor-vehicle-accidents-minnesota\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.sandlawllc.com\/statistical-breakdown-motor-vehicle-accidents-minnesota\/<\/a><\/li><li><a href=\"http:\/\/www.allstatepeterbilt.com\/blog\/minnesota-weird-driving-laws\/\" target=\"_blank\" rel=\"noopener\">http:\/\/www.allstatepeterbilt.com\/blog\/minnesota-weird-driving-laws\/<\/a><\/li><\/ul><\/p>","protected":false},"excerpt":{"rendered":"<p>Minnesota Auto Insurance Knowing the facts on auto insurance in Minnesota is important if you&#8217;re looking for car insurance. You probably want good quality but cheap auto insurance in Minnesota, and to do that you will also want to obey the Minnesota driving laws. Here are some of the most [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[37],"class_list":["post-4866","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto"],"_links":{"self":[{"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/posts\/4866","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/comments?post=4866"}],"version-history":[{"count":0,"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/posts\/4866\/revisions"}],"wp:attachment":[{"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/media?parent=4866"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/categories?post=4866"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pretected.com\/articles\/wp-json\/wp\/v2\/tags?post=4866"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}