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Auto Insurance

from Active Insurance Solutions

Auto Insurance

Drive Legally and Safely

To drive legally in the state of Minnesota, you need to carry auto insurance. This protects you and other motorists on the road in the case of accident, injury, and property damage.

Minimum auto insurance requirements in Minnesota

There are minimum requirements for auto insurance in Minnesota that you must meet:

  • Liability: $30,000 for injuries to one person, $60,000 for injuries to two or more people, and $10,000 for damage to another driver’s vehicle and/or for other property damage, such as landscaping or fencing
  • Personal injury protection (PIP): $40,000 per person per accident
  • Uninsured coverage: $25,000 for injuries to one person and $50,000 for injuries to two or more people
  • Underinsured coverage: $25,000 for injuries to one person and $50,000 for injuries to two or more people

Additional auto insurance options

As well as the mandatory required insurance to drive legally in Minnesota, we recommend purchasing additional types of auto insurance for your peace of mind:

  • Collision coverage: protects your vehicle in the event of an accident so you can get back to normal as quickly as possible
  • Comprehensive coverage: insures your vehicle for loss or damage due to fire, most natural disasters, vandalism, and theft

We suggest adding collision and comprehensive coverage if you drive an expensive vehicle, if you depend on your car for work or school, or if you would otherwise find your life turned upside down by the loss of your vehicle. We also recommend a minimum of $100,000/$300,000 for auto insurance bodily injury limits (or underinsured/uninsured motorist coverage).

Most people don’t want to be faced with the possibility of having to repair or replace their vehicle out of their own pocket after an accident. You may even be required to have this additional coverage if you are financing your vehicle.

Active Insurance Solutions: The Right Choice for You

At Active Insurance Solutions, we make selecting the right auto insurance policy easier for you. As independent agents, we have access to a wide range of insurance products to suit every personal requirement and budget. We work with more than 20 highly rated companies to give you the widest selection and personalized coverage.

Whether you’re looking for a new insurance agent, purchasing a new vehicle, or adding a young driver to your policy, we are here to make sure you understand your coverage and what to do in the event you need to file a claim.

Make sure you, your passengers, and other drivers aren’t at risk when you’re out on Minnesota’s beautiful roadways. Reach out online for a quote, or call Active Insurance Solutions at 952-479-5877 for the right coverage today.