Auto insurance that keeps you moving.

Whether you're commuting through your hometown, exploring backroads, or making everyday trips across the Midwest, having the right auto insurance matters. We offer coverage tailored to your driving needs—so you can move forward with confidence, wherever the road takes you. Proudly serving communities throughout Minnesota, Iowa, and Wisconsin, we’re here to help you find protection that fits your life.

What does auto insurance cover?

Liability Coverage

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Liability coverage is mandatory in Minnesota and protects you if you're at fault in an accident. It covers bodily injuries and property damage to others.

  • Bodily injury liability
  • Property damage liability
  • Legal defense costs

Personal Injury Protection (PIP)

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Minnesota's no-fault law requires PIP coverage, which pays for your medical expenses regardless of who caused the accident. It also covers lost wages and replacement services.

  • Medical expenses
  • Lost income
  • Essential services

Uninsured/Underinsured Motorist Coverage

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This coverage protects you if you're involved in an accident with a driver who has insufficient or no insurance. It ensures you're not left paying out-of-pocket for medical expenses.

  • Uninsured motorist bodily injury
  • Underinsured motorist bodily injury
  • Hit-and-run incidents

Collision Coverage

A black and white drawing of a car with a broken windshield.

Helps pay for repairs if your vehicle is damaged in an accident—whether it’s with another vehicle, a tree, or a ditch. It also covers rollover incidents, regardless of fault.

  • Accidents involving other vehicles or objects
  • Single-vehicle crashes
  • Vehicle rollovers

Comprehensive Coverage

A black and white icon of a car and a shield.

Protects your vehicle from non-collision events like theft, vandalism, or storm damage. Ideal for unexpected risks when your car is parked or in storage.

  • Theft or attempted theft
  • Vandalism or fire
  • Weather-related damage and falling objects

Your auto insurance questions, answered.

  • What are Minnesota's minimum auto insurance requirements?

    Minnesota requires liability coverage of $30,000 per person, $60,000 per accident for bodily injury, and $10,000 for property damage.

  • Is Personal Injury Protection (PIP) mandatory in Minnesota?

    Yes, PIP is mandatory and covers medical expenses, lost wages, and replacement services regardless of fault.

  • Do I need uninsured/underinsured motorist coverage?

    Yes, Minnesota law requires this coverage to protect you against drivers with insufficient or no insurance.

  • What factors affect my auto insurance premium?

    Premiums are influenced by factors such as driving history, vehicle type, coverage limits, and deductibles.

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