Minnesota requires $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage liability — plus $40,000 in PIP and $25,000/$50,000 in uninsured motorist (UM) and underinsured motorist (UIM) coverage on every policy. Family Insurance LLC is licensed in Minnesota and compares 10+ A-rated carriers for auto, home, renters, life and business insurance. Call (702) 764-9951.
| State | Minnesota (MN) |
|---|---|
| Minimum auto liability | 30/60/10 |
| Cities covered | Minneapolis, St. Paul, Rochester, Duluth, Bloomington, Eagan, Plymouth |
| Lines written | Auto, home, renters, life, umbrella, commercial, bonds |
Family Insurance LLC is licensed across Minnesota — bringing independent, multi-carrier shopping to drivers, homeowners, and business owners from the Twin Cities to the Iron Range. Long winters, lake properties, and one of the country's strongest no-fault auto systems mean Minnesota policies need to be built carefully. We shop 10+ A-rated carriers on every quote so you get the right coverage at the right price.
Minnesota's no-fault auto system requires every policy to include Personal Injury Protection (PIP), and the state's hail and wind activity has hardened the homeowners market significantly over the last five years. Twin Cities homeowners are routinely seeing 15–25% renewal increases when nothing about their risk has changed.
Lake-home, cabin, and seasonal-property coverage requires its own approach — most national carriers under-insure or outright exclude these properties. We work with Minnesota-based mutuals that actually understand dock, boathouse, and outbuilding exposures.
For business owners, Minnesota's strict workers' comp environment and high jury verdicts on auto liability mean cutting corners on commercial coverage is risky. We build BOPs and commercial auto with Minnesota's legal climate in mind.
Yes. We hold an active Minnesota producer license and write through admitted carriers. Any agent can verify the license number with the MN Department of Commerce on request.
Every Minnesota auto policy must include at least $40,000 in Personal Injury Protection — $20,000 for medical bills and $20,000 for wage loss. Your own PIP pays for your injuries first, regardless of who caused the accident.
Yes — including dwelling, contents, dock, boathouse, and seasonal-property liability. We work with Minnesota mutuals that specialize in these risks rather than forcing them into a generic homeowners form.
Twin Cities and southern Minnesota have seen sustained hail-claim losses, and reinsurance costs have pushed premiums up across every carrier. Re-shopping with an independent agent at renewal is the most reliable way to fight back.
Family Insurance LLC · 7318 West Post Rd Ste 202B, Las Vegas, NV 89118 · (702) 764-9951 · info@familyinsurancellc.com