Personal Auto · Minnesota
Minnesota drivers have more options than they think — and most people haven't shopped their auto policy in years. As an independent agency, we compare rates across multiple carriers to find coverage that actually fits your household, your vehicles, and your budget.
What's Covered
Minnesota drivers have more options than they think — and most people haven't shopped their auto policy in years. As an independent agency, we compare rates across multiple carriers to find coverage that actually fits your household, your vehicles, and your budget.
Required in Minnesota. Covers injury and property damage you cause to others. State minimums are $30,000/$60,000 bodily injury and $10,000 property damage — but we typically recommend higher limits for most drivers.
Pays to repair your vehicle after an accident regardless of fault. Required by most lenders if your car is financed. Comes with a deductible — we'll help you pick the right one.
Covers theft, weather damage, vandalism, hitting an animal, and other non-collision events. Minnesota winters, hailstorms, and deer on rural roads make this coverage especially important here.
Protects you when an at-fault driver has no insurance or not enough to cover your damages. Critical in Minnesota, where uninsured drivers are more common than most people realize.
Minnesota is a no-fault state — your own PIP coverage pays your medical bills and lost wages after any accident, regardless of who caused it. Minimum coverage starts at $40,000.
Inexpensive add-ons that prevent a bad situation from getting worse. Towing coverage is especially worth having during Minnesota winters when breakdowns are more likely.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Yes. Minnesota requires liability coverage, Personal Injury Protection (PIP), and uninsured motorist coverage at minimum. Driving without insurance risks fines, license suspension, and personal financial liability.
Minnesota's no-fault law means your own PIP coverage pays your medical bills after an accident regardless of who caused it. This speeds up claim payments but doesn't affect property damage — fault still matters for vehicle repairs.
Yes — most carriers offer multi-vehicle discounts of 10–25%. We quote your household together to find the best combined rate and make sure all your vehicles are properly covered.
If your license has been suspended due to a DUI or serious traffic violation, the state may require an SR-22 certificate. We handle SR-22 filings and can typically get you coverage the same day.
