Auto Insurance
Minnesota has specific rules around auto coverage, and most drivers are carrying less than they think. Whether you commute daily or mostly stay local, your policy should match your actual situation — not just the state minimum.
What Minnesota Requires — and Why Most Drivers Need More
Minnesota is a no-fault state. That means your own insurance pays your medical bills and lost wages after an accident, regardless of who caused it. PIP handles that — along with required liability and uninsured motorist coverage.
The state minimums are a legal floor, not a recommendation. A serious injury on a busy highway can exhaust minimum liability limits fast. And if the other driver is uninsured or underinsured, the minimum limits on your side may not go far enough either. Bradley reviews your driving habits, your vehicle, and your financial exposure — then recommends coverage based on your actual risk.
For a broader overview of the insurance lines we offer, visit our services page.
Coverage Options for Minnesota Drivers
Farmers-backed auto policies through Bradley Hansen Agency include a full range of coverages — here's what's available and what each one does.
Liability Coverage
Pays for injuries and property damage you cause to others — required by Minnesota law.
Personal Injury Protection (PIP)
Minnesota's no-fault coverage for your medical bills and lost wages, regardless of who caused the accident.
Comprehensive
Covers deer strikes, hail damage, theft, and other non-collision losses — all common in Minnesota.
Collision
Pays to repair or replace your vehicle after an accident, regardless of fault.
Uninsured / Underinsured Motorist
Protects you when the at-fault driver carries no insurance or not enough to cover your losses.
Roadside Assistance
Emergency towing, battery jump, and lockout service — worth having when temperatures drop.
Rental Reimbursement
Keeps you moving while your vehicle is in the shop after a covered claim.
Not sure if your deductibles and limits make sense for your situation?
What Minnesota Drivers Deal With That Drivers Elsewhere Don't
Winter is the obvious one. Ice and snow drive collision claims from December through March — sliding through intersections, sliding into curbs, low-speed parking lot accidents. Those claims tend to be small enough that people debate whether to file, which is a conversation worth having about your deductible.
Deer strikes are a consistent source of comprehensive claims statewide. Late October through December is the peak window, and the claims show up in every corner of the state. Comprehensive coverage handles these the same way it handles hail — which hits vehicles hard during spring and early summer storms.
If you drive rural roads regularly, haul equipment for work, or own a newer vehicle with a higher replacement cost, those are all reasons to look beyond the minimum coverage requirements.
A Local Agent, Not a Call Center
Bradley Hansen has been a Farmers PRIME-designated agentsince 2019, serving drivers across the southwest metro. He picks up the phone — before a claim, during one, and after. That's something a national call center can't replicate.
With 175+five-star reviews from local clients, the agency's reputation is built on one thing: availability when it actually matters.
Auto Insurance Questions from Minnesota Drivers
What auto coverage does Minnesota actually require?
Minnesota requires liability coverage, Personal Injury Protection, and uninsured motorist coverage. PIP is the no-fault piece — it covers your medical costs and lost wages after an accident regardless of who caused it. The state minimums are a legal floor, not a coverage recommendation. Bradley can explain where the minimums fall short and what carrying more actually protects.
Is comprehensive coverage worth it for a Minnesota vehicle?
For most Minnesota drivers, yes. Comprehensive covers deer strikes, hail, theft, and weather damage. Deer claims alone are frequent enough that the premium pays for itself after a single strike. If your vehicle is under ten years old, the math usually works in your favor.
What happens if the other driver has no insurance?
Your uninsured motorist coverage steps in. If the at-fault driver has some insurance but not enough, your underinsured motorist coverage applies. Both are required in Minnesota, but the state minimums are low. Bradley can walk through what your specific limits mean in a real claim scenario.
When does it make sense to adjust my deductibles?
Higher deductibles lower your premium but mean more out of pocket when you file. Whether that tradeoff makes sense depends on your vehicle's value, how often you drive, and what financial cushion you have. Bradley can run through the math for your specific situation.
Can I save money by bundling auto with home or renters insurance?
Yes. Bundling auto and home or renters through the same agency typically qualifies for a multi-policy discount. Bradley runs both quotes at the same time so you can compare the combined savings before deciding.
Our auto insurance services are available throughout Minnesota, including:
Shakopee, MN, Minneapolis, MN, St. Paul, MN, South Metro, MN, Eden Prairie, MN, Burnsville, MN, Minnetonka, MN, Chaska, MN, Prior Lake, MN, Savage, MN, Jordan, MN, Belle Plaine, MN, Carver, MN, and many more.
Get a Quote TodayGet a Straightforward Auto Quote
Call Bradley or reach out online — no pressure, no sales pitch, just a clear look at what your coverage does and what it costs.
Southwest Metro · Minnesota · Farmers Insurance Agency