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Home > Products > Auto / Car Insurance - Minneapolis MN & St. Paul MN

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

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Auto Insurance Information

Auto Insurance in Minneapolis MN & St. Paul MN

More than 3.39 million Minnesotans over the age of 16 are licensed drivers. They drive more than 60 billion miles every year. Wherever they go, however they use their cars, there are accident risks and other hazards that will always beckon. If you are one of them, then you need the affordable, personalized car insurance to protect you. 

Auto insurance is a necessity for every Minnesota driver because you must carry it if you want to legally drive. But you can still tailor your plan to your advantage. In the specialists at Abbott Insurance Agency, you’ll have a partner that is committed to helping you make your coverage work for you. 

To get that plan, give us a call at (612) 824 – 1160 or request a free quote now. We’re here to make the process easy, affordable and fast. 

Common Auto Insurance Questions 

Why is Auto Insurance Important? 
You buy car insurance to protect both your investment in your vehicle and your financial security following accidents. Your plan can help you pay for costs arising from numerous hazards, from wrecks to fires or vandalism. It can also cover your injury costs and even the losses that other people sustain. 

Car insurance is so important that Minnesota (like most other states) requires drivers to carry car insurance. If you don’t, and you get caught driving uninsured, then you could face multiple penalties. With the right attention to detail, you can design a policy that is perfect for you, your car and your financial security. 

How Does Auto Insurance Work in Minnesota? 
Minnesota is a no-fault insurance state. This means that when a wreck occurs, your own car insurance pays for your losses regardless of whether the accident was your fault. If the accident is another driver’s fault, you can only seek compensation from their liability coverage after you exceed the limits of your own benefits. 

What Auto Insurance is Required in Minnesota? 
Minnesota’s no-fault insurance laws affect how much coverage you are required to carry. The state mandates the following minimum coverage limits for all drivers: 

Personal Injury Protection (PIP): $40,000 per person, per accident 

This coverage pays for the policyholder’s medical bills, lost income and other essential costs if they get hurt in an accident. You must exhaust your PIP benefits or meet other thresholds before you can file a claim on another driver’s liability insurance. 

Bodily Injury Liability Insurance: $30,000 per person/$60,000 per accident (2+ people injured) 

When an accident is your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you. Bodily injury coverage pays for that party’s injuries. 

Property Damage Liability Insurance: $10,000 per accident 

If you are at fault for an accident that damages another vehicle, building or other piece of property, then this coverage can pay for the damage. 

Uninsured Motorist Bodily Injury Coverage: $25,000 per person/$50,000 per accident 

If you exhaust your PIP benefits, and the other driver does not have liability insurance, then this coverage will pay for your injury costs. It can also help you if you become the victim of a hit-and-run. 

Underinsured Motorist Bodily Injury Coverage: $25,000 per person/$50,000 per accident 

Though you might file a claim against another driver’s liability insurance, their plan might not cover the full cost of your losses. This coverage can pay after you exhaust both your PIP and the liability benefits. 

Do I Need Other Coverage? 
Your required insurance coverage is not all the coverage you need. It is just the minimum coverage to keep you legally insured. You should enhance your auto policy with other benefits like: 

  • Collision Insurance: Covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive Insurance: Coverage pays for damage from non-accident mishaps like weather, fires, theft or vandalism.

  • Roadside Assistance Coverage: If you have a breakdown or other small problem, this benefit lets you call your insurer, who can then dispatch a service provider to your location.

  • Rental Car Reimbursement and Liability Coverage: Your plan might help you cover both the expense of renting a car and provide you with necessary liability coverage while you drive it.


Rental Car Reimbursement and Liability Coverage: Your plan might help you cover both the expense of renting a car and provide you with necessary liability coverage while you drive it. 

There are a plethora of other benefits that you might be able to buy, such as glass insurance, gap insurance, vanishing deductibles and accident forgiveness. 

Rest assured that our team understands all the twists and turns that might arise in your search for the right auto policy. That’s why we’re here to help you navigate through the search to find the perfect coverage solution. 

Related Products:
  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage

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317 West 46th Street
Minneapolis, MN 55419

P: 612-824-1160 | F: 612-824-6210 | E:agents@abbott-insurance.com
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