A woman smiles broadly as she drives during summertime.

Insurance built by an independent agent

When you work with an independent agent, you get customized service and coverage to meet your unique needs.


Common Minnesota car insurance questions


Yes, it is illegal to drive without car insurance in the state of Minnesota.



Minnesota requires the following coverage amounts:

Coverage

Amount

Personal injury protection

$40,000 per person

Bodily injury to others

$30,000 per person; $60,000 per incident

Property damage liability

$10,000 per incident

Uninsured and underinsured motorist bodily injury

$25,000 per person; $50,000 per incident



Yes, you must have the minimum insurance coverages listed above to register a vehicle in Minnesota.



In most cases, car insurance follows the vehicle, not the driver. If someone driving the vehicle is involved in an accident and they are insured under the auto insurance policy, they may be covered. However, personal injury protection follows the driver on the auto insurance policy.


If you have questions about a specific situation, contact your independent insurance agent.



Costs will vary based on multiple factors. It’s easy to choose the right insurance when you work with an independent insurance agent. They can find coverage to fit your budget and needs. Contact an independent agent to get a quote and learn more about the options Integrity has to offer.



Yes, however, “insurable interest” is required. If you don't own the vehicle but would still suffer a financial loss if it were damaged or involved in an accident, you may have an insurable interest. There are other factors that should be considered when insuring a car you don’t own, so it’s important to discuss this topic with your independent insurance agent.



Yes, Minnesota is a no-fault state. This means that if you are in an accident, you will likely need to use your own insurance to cover injuries and financial losses, regardless of who is determined to be at fault. If you have questions about how Minnesota’s no-fault status impacts your coverage, your independent insurance agent or claim representative can help you understand your individual situation.



A hand grips the door handle of a black car.

Save on auto insurance

Save money with a variety of discounts.

A father and son sit in the open hatch of a jeep parked outdoors.

Insurance built for you

Learn about coverages most important to you.

Explore coverages

 

Read reviews from Minnesota customers

We are committed to using feedback to improve our customer service. Here’s what some Minnesota car insurance customers have to say about Integrity Insurance.

Five star rating

Lora S.

I can't say enough how much I appreciate being a customer of Integrity. The staff were wonderful when help was needed. I recently was in a serious accident and they are on top of every need.

Dale W.

Took care of my total loss claim on my truck seamlessly within 10 days with two simple phone calls and filling out a form via email.

Five star rating

Kim E.

My insurance agent suggested Integrity. I didn't know much about them, yet my experience has been amazing. Don't hesitate to use this company.

Rebecca R.

Everything has been better than I expected. Easy to work with.


Why independent agents?

A woman stands near the open door of her vehicle while using her mobile phone.

They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

A father adjusts the car seat in his vehicle while his son waits in a wheelchair.

More coverage options

Independent car insurance agents consider your needs and driving habits to find the best coverage. They aren’t tied to a specific insurance company, so they provide more options.

A couple sit together in their home and use a laptop to research insurance online.

It's easier to comparison shop

Unlike shopping for car insurance online, working with an independent agent makes it easy to compare auto policies from multiple carriers. An expert will answer your questions, so you won't have to worry about being on the right track.


Coverages described herein may not be available in all states. Please contact a local independent Integrity agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. For the coverage to apply, a claim must be made and reported during the policy period. Scenarios above are not actual claims. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Integrity Insurance policies are underwritten by Integrity Insurance Company, an affiliate of Grange Insurance Company, and Integrity’s subsidiaries. Not all Integrity companies are licensed in all states. Integrity companies not licensed in Pennsylvania.