Not the cheapest policy. Not the most coverage you’ll never use. The right coverage for your household, your vehicles, and the roads you actually drive — at a rate you found by shopping the whole market.
Between work, the kids, and everything else on your plate, auto insurance shouldn’t be another source of stress. Yet most people tell us the same thing when they call:
Rates jumped at renewal and nobody explained why
Too many choices, all of them confusing
Not sure what their current policy actually covers
Worried they’re paying too much — or covered too little — or both
We’ve been helping Minnesota families cut through the noise since 2011. You’re not looking for the cheapest policy — you’re looking for the right one.
One that won’t leave you scrambling after an accident on Highway 212, or dealing with a denied claim when your teenager backs into the mailbox. That’s what we find.
Minnesota Law
What Minnesota requires — and why it’s not enough
Minnesota law sets minimum coverage requirements for every driver. These minimums keep you legal. They don’t necessarily protect your assets, your family, or your financial future.
MN Minimums — Required by Law
Bodily Injury — per person$30,000
Bodily Injury — per accident$60,000
Property Damage$10,000
Personal Injury Protection (PIP)$20,000
UM/UIM — per person$25,000
UM/UIM — per accident$50,000
These minimums were set decades ago. A single ER visit can exceed $30,000. If you cause a serious accident, you’re personally responsible for everything above these limits.
What the Numbers Actually Mean
30/60 Bodily InjuryCovers the other driver’s injuries
This isn’t fear-mongering. It’s Tuesday in Minnesota.
Real Scenario
You’re driving home from Target in Chanhassen. Someone runs a red light, hits your car, and drives off. Your car is totaled. You’ve got a broken wrist. The other driver is never found.
✗ State Minimums Only
Medical bills exceed your PIP limit.
No collision coverage means no car replacement.
No rental coverage leaves you stranded.
UM/UIM limits may not cover total losses.
You’re stressed — and financially exposed.
✓ Adequate Coverage
Uninsured motorist coverage handles medical bills.
Collision coverage replaces your vehicle.
Rental reimbursement keeps you mobile.
Higher UM/UIM limits cover the full loss.
You’re stressed — but not financially devastated.
Coverage Types
What’s in a well-built Minnesota auto policy
Not every coverage makes sense for every household. Here’s what each piece does — and when it matters.
🚗
Liability Coverage
Pays for injuries and property damage you cause to others. If you’re at fault in an accident, liability covers the other party’s costs up to your limits. Everything above your limits comes out of your pocket.
MN minimum: $30,000/$60,000/$10,000. Recommended: significantly higher if you own a home or have assets to protect.
🏥
Personal Injury Protection (PIP)
Minnesota is a no-fault state — PIP pays your own medical bills and lost wages after an accident, regardless of who caused it. Faster access to treatment, no waiting for fault to be determined.
MN minimum: $20,000. Medical costs escalate quickly — higher limits cost relatively little more.
🚗
Uninsured / Underinsured Motorist
Protects you when the other driver has no insurance or not enough. In Minnesota, roughly 1 in 8 drivers is uninsured. UM/UIM is the coverage that pays when the at-fault driver can’t.
🔨
Collision Coverage
Pays to repair or replace your vehicle when you hit something — another car, a tree, a guardrail on Highway 41. Not required by Minnesota law, but required by lenders if you have a loan or lease.
❄
Comprehensive Coverage
Covers everything that isn’t a collision — theft, vandalism, hail damage, hitting a deer, a tree falling on your car. If you’ve scraped a windshield at 6am in a Minnesota winter, you understand why this matters.
Minnesota-specific: hail and deer collisions are among the most common comprehensive claims in the state.
🚌
Rental Reimbursement
Pays for a rental car while yours is in the shop after a covered claim. Standard policies don’t include this automatically. If you can’t go more than a day without a vehicle, it’s worth adding.
📋
Minnesota Auto Insurance Checklist
Know what you have, understand what you need. A one-page guide to reviewing your current coverage, identifying gaps, and questions to ask before your next renewal.
Rates depend on your household, your vehicles, and your driving history. Answer six quick questions to get a realistic range — then we’ll shop the whole market for your exact number.
Our Process
Three steps to coverage that actually works
We’ve made this simple because your time matters.
1
We Listen
Tell us about your situation — how many drivers, what you’re driving, whether you commute on 494 or work from home. We ask questions that matter, not to fill out a form, but to understand what you actually need.
2
We Shop
As an independent agency, we’re not tied to one company. We compare rates and coverage options from 50+ carriers to find policies that fit your life and your budget — then explain what we found in plain English, not insurance-speak.
3
You Decide
We present your options, answer your questions, and give you our honest recommendation. No pressure. You choose what works for you. We handle the paperwork and make sure everything’s in place before we’re done.
Frequently Asked Questions
What people ask us most
Several factors determine what you’ll pay. Your driving record — accidents and violations from the past 3–5 years impact rates significantly. Where you live — Chaska versus downtown Minneapolis makes a real difference in theft rates and accident frequency. Your vehicle — newer cars cost more to repair, some models are stolen more often, safety features can earn discounts. Your coverage choices — higher deductibles mean lower premiums, but choose a deductible you could actually pay tomorrow if you had to. Your credit history — Minnesota allows insurers to use credit-based insurance scores; paying bills on time generally helps. Your age and experience — younger drivers pay more; drivers over 25 with clean records pay less.
Honestly? Yes, for most households. State minimums were set decades ago and exist so that if you hurt someone, there’s at least something to help cover their costs. They weren’t designed to protect you or your assets. If you own a home, have savings, or earn a good income, you have something to protect. A lawsuit from a serious accident can go after those assets. Higher liability limits cost surprisingly little compared to what they protect. We do this math with every client.
Collision coverage pays to repair or replace your car if you hit something — another car, a tree, a guardrail on Highway 41. Comprehensive coverage pays for everything else: theft, vandalism, hail damage (Minnesota, remember?), hitting a deer, a tree falling on your car. If you have a car loan or lease, your lender almost certainly requires both. If you own your car outright, it’s a judgment call — consider what it would cost to replace your vehicle out of pocket if something happened tomorrow.
Deep breath. This is manageable. Adding a teen driver will increase your premium — there’s no getting around that. Young drivers are statistically more likely to be in accidents. However, there are ways to soften the impact: a good student discount (typically B average or better), driver’s education course completion, choosing a safe and practical vehicle for them to drive, and higher deductibles on their vehicle. We work with families on this all the time. There are real options.
Minnesota is a no-fault state for certain injuries, meaning your own PIP coverage pays your medical bills regardless of who caused the accident — up to your coverage limit. This helps you get treatment quickly without waiting to determine fault. For vehicle damage and larger injury claims, fault does matter. The at-fault driver’s liability coverage pays for the other party’s damages. Minnesota requires you to report accidents to the Department of Public Safety if there’s injury, death, or more than $1,000 in property damage.
Your deductible is what you pay out of pocket before insurance covers the rest. If you have a $500 deductible and $3,000 in damage, you pay $500 and insurance pays $2,500. Higher deductibles mean lower monthly premiums. Lower deductibles mean higher premiums but less out-of-pocket when something happens. The right deductible is one you could actually pay tomorrow without financial strain if you had to. A $1,000 deductible doesn’t help you if you don’t have $1,000 available.
Yes — multi-policy discounts are one of the most consistent premium-reduction opportunities available. Most carriers offer meaningful discounts when you bundle auto with homeowners or renters insurance. We always compare bundled versus unbundled options across our carrier portfolio to make sure the bundle actually saves you money — because occasionally the better option is two separate carriers. A personal umbrella policy added alongside auto and home is another combination that provides significant protection at modest cost.
Part of our job is making sure you’re getting every discount you qualify for. Common ones include: multi-policy bundle (auto + home), multi-vehicle (insuring more than one car), safe driver (3–5 years with a clean record), good student (typically B average or better), anti-theft device, low annual mileage, pay-in-full discount, and paperless billing. The availability and size of discounts varies significantly by carrier — which is one reason shopping multiple carriers matters.
Get Your Quote
Ready to find out what your options are?
No obligation, no pressure — just a conversation about what you need and what makes sense. We’ll ask a few questions, shop the market, and show you what’s available.
We shop 50+ carriers on your behalf
Straight answers without sales pressure
Someone who picks up the phone
Annual reviews to make sure coverage still fits
Help when you need to file a claim
Start your free quote
Fill out the form and an agent will be in touch within one business day.
You’re talking to a real person in Minnesota.
When you call us, you talk to someone who knows what a Minnesota winter does to roads and vehicles — and who isn’t going anywhere.
Featured Agent
Tippy Sourignavong
Personal Lines Agent
I specialize in personal lines insurance — auto, home, life, and everything in between. Most people come to me after a renewal surprise or a life change: a new car, a new driver in the household, buying a first home. I ask the questions that matter, compare options across our carrier portfolio, and make sure you understand what you’re buying. When something changes, you reach me directly.
