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About the Insurance Division

Contact us

Our Consumer Services Center helps Minnesotans with questions and fields formal complaints about insurance coverage

651-539-1600 (Twin Cities)
800-657-3602 (Greater Minnesota)

The Minnesota Department of Commerce regulates the insurance industry to protect consumers and ensure a fair and competitive marketplace. Commerce investigates complaints on behalf of consumers and works to resolve disputes between consumers and insurers.

We provide licensing, examinations and analysis of insurance carriers to ensure their business is safe and able to pay claims, encompassing insurance in health, homeowners, auto, life, long-term care and workers compensation. We review rates to ensure the insurance products are fair and reasonable. We also oversee Minnesota’s reinsurance program for health plans and license and oversee pharmacy benefit managers.

Consumer Help

The Department of Commerce educates consumers and protects their interests through a range of regulations and programs. Whether you’re filling up on gas, purchasing a home working to reduce energy consumption, or rebuilding after a disaster, the Department of Commerce is with you every day.

Homeowners Insurance

Insurance can protect your financial well-being in case of an unpredictable event such as a burglary, fire, or natural disaster. Learn more about home insurance policies, what’s typically covered, what affects rates, and under what circumstance policies can be cancelled or not renewed.

Health Insurance

Learn about ways to get help for mental health and substance use, health insurance rates, health plans, Medicare, and pharmacy drug affordability care.

Auto Insurance

Auto insurance is required by law, and it can also protect you financially in case of an accident. The Minnesota Department of Commerce regulates the state insurance industry and can help you understand how auto insurance works and what you need to do to file a claim.

For Industry

Learn more about self-insured insurance, workers’ compensation, licensing, information security and financial filings.

Other Insurance

Learn more about life insurance, long-term care, travel insurance, pet insurance, vacation property and service of process.

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