Auto InsuranceRemote-first agency for the modern age

Auto Insurance
in Minnesota

Minnesota requires liability, no-fault PIP, and UM/UIM coverage. We make sure you have what the law requires, and what actually protects you.

Call for a Free QuoteFill Out the Form

No obligation · No coverage bound online · Same-day follow-up

What’s Covered

Minnesota auto coverage explained in plain language.

Liability

Required in MN. Covers bodily injury and property damage you cause others. We recommend exceeding state minimums.

Collision

Pays for damage to your vehicle from an accident, regardless of fault. Required if you have a lender.

Comprehensive

Covers theft, weather, fire, vandalism, and non-collision damage. Critical in Minnesota's hail season.

Uninsured Motorist

Protects you when the at-fault driver has no insurance. Required in MN at your liability limits.

No-Fault PIP

Minnesota requires at least $40,000 in no-fault personal injury protection, covers your medical bills regardless of who caused the accident.

Multi-Vehicle Discount

Insure 2+ vehicles and save on every policy. One of the easiest ways to reduce your total insurance cost.

Get Your Quote

A licensed agent will call you
within 60 seconds.

No hold music. No offshore call center. Serving Minnesota and 10 other states remotely since 2026.

No obligation quote
American Family Insurance, A.M. Best A (Excellent)
Multi-vehicle, bundle, and loyalty discounts
Same-day follow-up from a licensed agent

Request your free auto quote

Takes 60 seconds. No spam.

Optional SMS Consent

You can submit without opting into SMS.

By checking this box, I consent to receive SMS text messages from Nelson & Associates Inc for quote follow-up, appointment reminders, and policy servicing. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out. Reply HELP for help. Consent is not a condition of purchase. We will not share mobile information with third parties for promotional or marketing purposes. See our SMS Terms and Privacy Policy.

Why Choose Us?

Local Minnesota Agency

Based in Fridley, serving the Twin Cities metro. Real people, not a call center.

Licensed in 11 States

Licensed American Family agency. Your data is secure and never sold.

Fast Response Time

Same-day response during business hours. We answer our phones.

No pressure, no spam. Honest advice from a local agent.

Frequently Asked Questions

Auto insurance in Minnesota, answered by a licensed agent.

How much does auto insurance cost in Minnesota?
The average Minnesota driver pays roughly $1,280/year for full coverage. Rates vary based on driving record, vehicle, ZIP code, and coverage selections. Bundling with home insurance typically saves 10–25%.
What auto insurance is required in Minnesota?
Minnesota is a no-fault state requiring: 30/60/10 liability, $40,000 no-fault PIP, and uninsured/underinsured motorist coverage at your liability limits. Driving without insurance risks license suspension and $1,000+ fines.
How fast can I get a quote?
Our AI answers within 60 seconds around the clock. A licensed agent follows up the same business day with your actual American Family Insurance quote, not an estimate.
Does Nelson & Associates serve other states?
Yes, we serve MN, IL, OH, WI, AZ, IA, KS, MO, ND, NE, and SD. Remote-first means you never need to come into an office.
Can I bundle auto with home or life insurance?
Yes, and we recommend it. Bundling auto + home with American Family typically saves 10–25% on both policies. It also simplifies your coverage into a single agent relationship.
What discounts are available on auto insurance?
American Family offers multi-vehicle, good driver, good student, safety features, loyalty, and bundle discounts. Ask your agent which apply to your situation.

Also From Nelson & Associates

Home InsuranceLife InsuranceBundle & SaveCommercial InsuranceInsurance in Minnesota
Call Now: (763) 733-7475
Get a QuoteCall Now