Auto Insurance

If you drive a car in Minnesota, you must meet the minimum auto insurance coverage requirements.

In the state of Minnesota, having car insurance is a must if you want to drive your vehicle. Most people know this, but many people don’t know how much coverage to purchase and whether or not they’re getting a good price. At Preferred Insurance Services, we work with you to determine the kind of policy you need to purchase and then shop with several local and national carriers. You’ll know you’re getting the best possible price on auto insurance without having to call every agency in (and out of) town.

Depending on where you live, minimum coverage requirements can vary. In Minnesota, all licensed vehicles are required to have Personal Injury Protection (PIP), Liability, Uninsured, and Underinsured coverage with a minimum amount required as well:

  • Personal Injury Protection (PIP): $40,000 per person, per accident
  • Liability: $30,000 for injuries to one person, $60,000 for injuries to two or more people and $10,000 for physical damage to another driver’s vehicle or damage to property
  • Uninsured: $25,000 for injuries to one person, $50,000 for injuries to two or more people
  • Underinsured: $25,000 for injuries to one person, $50,000 for injuries to two or more people

Our agents will discuss the impact of not having enough coverage and how it may affect you. We will explore several options, so you have the ability to make an informed decision.

The MN roadways saw 77,707 crashes in 2013, so it is important to protect yourself, your loved ones and your vehicle with car insurance. You may be an excellent, careful driver, but you can never plan for the actions of other people. Call Preferred Insurance Services today for a free auto insurance quote at 877-410-3144.