Every drive carries someone who matters.
Snow on 494. A car seat in the back. Your teenager’s first solo drive. When the road turns on you, the right coverage keeps one bad moment from becoming a money problem — and you’ll have someone in your corner.
Personal follow-up immediate or within one business day
Auto insurance in Minnesota, explained plainly
Minnesota is a no-fault state. That means your own policy pays your medical bills after a crash, no matter who caused it.
The state minimums are a starting point, not a plan. One serious accident can cost far more than minimum limits cover — and the rest can come from your savings.
I’ll walk you through the choices that matter most: liability limits, uninsured motorist coverage and deductibles. You decide with the full picture.
- Local — Minnesota agent, Minnesota roads
- Plain English — no jargon, no pressure
- In your corner — I help when you have a claim, too
What your coverage can do
Liability
Pays for injuries and damage you cause to others.
Personal Injury Protection
Required in Minnesota. Covers medical bills and lost wages for you and your passengers.
Under & Uninsured Motorist
Protects your family when the other driver has little or no insurance.
Collision
Repairs your car after a crash, whoever’s at fault.
Comprehensive
Deer, hail, theft, glass and falling branches.
Rental and roadside
A rental while yours is in the shop, and help when you’re stuck on the shoulder.
When the worst day happens, you’re not on your own
A crash is stressful enough. You shouldn’t have to decode a policy on the side of the road.
Reach out to me first. I’ll help you understand what’s covered, what to do next and how the claim works.
Questions people ask
What auto insurance is required in Minnesota?
Liability, Personal Injury Protection (PIP) and uninsured/underinsured motorist coverage. The minimums protect the law, not your family. I’ll show you what higher limits cost — it’s often less than people expect.
How can I lower my auto insurance cost?
Bundling with home or renters, raising your deductible, good-student and safe-driver discounts, and dropping collision on older cars. I’ll check every one for you.
Do you insure teen drivers?
Yes. Adding a new driver is a big moment. I’ll help you find the right protection and every discount that applies, like good-student and driver-training credits.
What should I do right after an accident?
Make sure everyone is safe and call 911 if anyone is hurt. Take photos, swap insurance information, then call me. I’ll help with the next steps.
Does my policy cover deer and hail?
Yes, if you carry comprehensive coverage. In Minnesota, I recommend it for almost every car worth repairing.
Let’s get you home safe — and covered.
A 2-minute online questionnaire, no paperwork. I’ll personally follow up, usually within one business day.
David Olson, licensed insurance producer · MN License #40937238. Intrinsic Insurance LLC is not an insurance carrier. Coverage is subject to underwriting and availability.
One of the things that sets Intrinsic Insurance apart is our commitment to our customers. We believe that insurance should be easy to understand and easy to use, and we strive to make the process as smooth and stress-free as possible. Our agents take the time to get to know our customers and their unique needs, so we can provide personalized coverage that meets their specific requirements. Over time, we’ve earned a reputation for exceptional customer service and expertise in the insurance industry, real estate, and construction. We’re proud to have a team of experienced agents who are dedicated to providing our customers with the highest level of service and support. Our agents are knowledgeable, friendly, and always available to answer questions or help our customers file a claim.