American Family Insurance · MN

Minnesota Insurance

Auto, home, life, and commercial coverage for Minnesotaresidents. Nelson & Associates is a licensed American Family Insurance agency serving Minneapolis, Saint Paul, Rochester, and every corner of MN.

Cities We Serve in Minnesota

Remote-first and licensed statewide, we serve clients across all of Minnesota.

Minnesota Insurance, FAQ

Common questions from Minnesota residents about coverage, costs, and requirements.

Is car insurance required in Minnesota?

Yes. Minnesota requires minimum liability of 30/60/10, plus uninsured/underinsured motorist coverage and no-fault PIP of at least $40,000.

What does homeowners insurance cover in Minnesota?

A standard MN homeowners policy covers dwelling, personal property, liability, and loss of use. Flooding and sewer backup typically require separate riders, both are common in Minnesota.

How much is life insurance in Minnesota?

A healthy 35-year-old can get $500,000 of 20-year term coverage for roughly $25–$35/month. Rates vary by age, health, and coverage amount.

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