👨👩👧 Full Coverage Packages
Bundle liability, comp, and collision for total protection.
🚗 Liability Coverage
Meets state requirements and protects you if you’re at fault.
🛡️ Comprehensive & Collision
Protect your car from accidents, theft, storms, and more.
Why Drivers Trust City Insurance
✅ Local expertise — Minnesota roads, Minnesota drivers.
✅ Access to top carriers (Progressive, Foremost, Selective, AAA).
✅ Personalized service, not just a 1-800 number.
✅ Fast quotes & easy policy changes.
Auto Insurance FAQ
Minnesota auto insurance laws require 30/60/10 liability, $40,000 PIP, and uninsured/underinsured motorist coverage at minimum. At City Insurance, we recommend starting at 100/300/100 limits for stronger protection. Minimum coverage may lower upfront costs, but it won’t go far in a serious accident. Higher limits help protect your income, savings, and future assets from lawsuits and medical bills. Many Minnesota drivers upgrade beyond state minimums because “cheap insurance” often ends up being the most expensive mistake after a claim.
In Minnesota, most traffic tickets impact your auto insurance rates for about 3 years, unless it’s a major violation like DUI. Claims usually stay on your record for around 5 years. If you’ve been ticket-free or claim-free for a few years, you may already qualify for lower premiums. At City Insurance, we compare multiple carriers — some weigh tickets and accidents more lightly than others — to find the company that gives you the best rate.
Yes. Minnesota drivers age 55 and older can take a state-approved Defensive Driving course (an 8–10 hour class, often completed in one day). After finishing, you’ll receive a 10% discount on your auto insurance for 3 years with most carriers. The course is inexpensive, and the certificate can be renewed every three years to keep the savings. At City Insurance, we encourage senior drivers to use this program — it’s one of the simplest ways to reduce premiums without changing coverage.
Yes. Some carriers we work with offer gap insurance, which covers the difference between what your car is worth and what you still owe on a loan or lease if it’s totaled. Not every company provides this option, so we carefully review your financing terms and recommend the best carrier. With proper gap coverage, you’re protected from paying thousands out of pocket for a vehicle you can no longer drive.
The best way to save is by adjusting smartly, not cutting protection. At City Insurance, we recommend:
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Asking about safe driver programs (telematics/usage-based) that reward good habits.
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Increasing your deductible slightly to reduce monthly premiums.
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Bundling auto and home or renters insurance for big carrier discounts.
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Letting us shop multiple carriers — each rates drivers differently, so another may offer a much better price for the same coverage.
These strategies keep you fully protected while lowering your premiums.
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Yes. Bundling auto and home insurance (or renters) is one of the fastest ways to save. Most carriers offer 10–25% discounts when you combine policies. Beyond savings, bundling makes life easier: one agent, one renewal date, and fewer bills to manage. Some companies even add perks, like a single deductible if both your home and car are damaged in the same event.
Yes. Minnesota requires uninsured/underinsured motorist (UM/UIM) coverage, but we recommend carrying higher limits than the minimum. About 1 in 8 U.S. drivers has no insurance, and many carry only state minimums. If you’re hit by one of them, UM/UIM helps cover your medical bills and lost wages. At City Insurance, we always review UM/UIM carefully — it’s one of the most valuable coverages for protecting your family at a low cost.
📞 Call (763) 582-1888 now to speak with an agent
Affordable Auto Insurance Made Easy
Drive with confidence — customized coverage for Minnesota drivers.
At City Insurance, we help you find the right auto policy at the right price. Whether you’re insuring your family car, a new teen driver, or multiple vehicles, we’ll match you with coverage that fits your budget and protects what matters most.
Save more when you bundle your Auto and Home Insurance