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Auto Insurance in Minnesota

Coverage designed for Minnesota's roads — from icy highways to rural county roads where deer are a real hazard.

Auto insurance coverage for Minnesota drivers from Central Insurance Services
Auto Insurance

Drive Confidently on Minnesota Roads

Minnesota drivers face challenges that drivers in other states don't — extended winters, icy roads, heavy snowfall, and one of the highest rates of deer-vehicle collisions in the country. Your auto insurance should be built for where you actually drive.

As an independent agent, David shops multiple carriers to find the best combination of price and coverage for your specific vehicles, driving record, and household. Whether you drive one car or a fleet of farm trucks, we have you covered.

Coverage Options We Offer

  • Liability coverage — bodily injury & property damage to others
  • Collision — repairs your vehicle after an accident, regardless of fault
  • Comprehensive — covers theft, deer strikes, hail, fire, and non-collision damage
  • Uninsured/underinsured motorist — protects you if the other driver isn't covered
  • Medical payments (MedPay) — covers your medical bills after an accident
  • Roadside assistance — towing, lockout, flat tire, and battery service
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Minnesota Road Risks

Coverage Built for Where You Drive

Minnesota's climate and rural landscape create risks that require specific coverage considerations.

Minnesota Winter Driving

Ice, snow, and black ice make winter driving dangerous. Comprehensive and collision coverage give you peace of mind all season long.

Deer Collision Coverage

Minnesota ranks among the top states for deer-vehicle collisions. Comprehensive coverage pays for deer strike damage — it's essential in rural MN.

Multi-Vehicle Discounts

Insure multiple vehicles on one policy and save. Farm households with multiple trucks or an ATV or two can bundle for additional savings.

Bundle & Save

Combine your auto and home insurance with the same carrier and enjoy meaningful multi-policy discounts on both premiums.

Common Questions

Auto Insurance FAQs

What is the minimum auto insurance required in Minnesota?

Minnesota requires liability coverage of at least 30/60/10, plus no-fault personal injury protection (PIP) of $40,000 and uninsured motorist coverage. We can help you understand whether minimum limits are adequate for your situation.

Does comprehensive cover hitting a deer?

Yes. Deer strikes are covered under comprehensive coverage, not collision. Comprehensive also covers theft, hail, fire, flooding, and other non-collision events.

Can I insure my recreational vehicles too?

Yes. We can help insure ATVs, snowmobiles, motorcycles, boats, and RVs — often bundled with your auto policy for convenience and savings.

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Ready to Find Better Auto Coverage?

Let David compare rates from multiple carriers and find the right policy for your vehicles, your record, and your budget.

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