Auto Insurance Minnesota — Frankot Agency
Auto Insurance
Drive with confidence on every Minnesota road.
From icy winter roads to summer road trips up the North Shore, your vehicle faces unique challenges in Minnesota. Frankot Agency finds you the right auto coverage at a price that fits your budget.
What's Covered
Auto Coverage That Has You Covered
Liability Coverage
Pays for injuries and property damage you cause to others in an at-fault accident — required by Minnesota law.
Collision Coverage
Covers damage to your vehicle from a collision with another car or object, regardless of fault.
Comprehensive Coverage
Protects against non-collision events: theft, vandalism, hail, deer strikes, and other hazards common in Minnesota.
Uninsured/Underinsured Motorist
Covers your medical bills and damages if you're hit by a driver with little or no insurance.
Personal Injury Protection (PIP)
Minnesota is a no-fault state — PIP covers your medical expenses and lost wages regardless of who caused the accident.
Roadside Assistance
Towing, flat tire changes, lockout service, and fuel delivery — peace of mind for every mile.
Why Frankot Agency
Local Expertise,
Personal Service
As an independent Minnesota insurance agency, we work for you — not the insurance companies. That means we shop multiple carriers to find you the best coverage at the best price.
- We shop multiple carriers to find you the best rate
- Minnesota no-fault insurance experts
- Bundling discounts when you combine auto with home or renters
- Local agents who answer the phone — no call centers
- Fast, straightforward claims support
- Coverage for all vehicle types: cars, trucks, SUVs, and more
Common Questions
Frequently Asked Questions
What is the minimum auto insurance required in Minnesota?
Minnesota requires liability coverage of at least $30,000 per person / $60,000 per accident for bodily injury, $10,000 for property damage, and $40,000 in Personal Injury Protection (PIP). We can help you understand if minimum coverage is right for your situation.
Does my auto insurance cover a rental car?
It depends on your policy. Many comprehensive and collision policies extend to rental vehicles, but coverage limits may differ. Ask your Frankot agent to review your policy before your next trip.
How can I lower my auto insurance premium?
Bundling your auto and home policies, maintaining a clean driving record, choosing a higher deductible, and qualifying for good driver or good student discounts are all effective ways to reduce your premium.
Am I covered if I drive for a rideshare service?
Standard personal auto policies typically exclude rideshare driving. If you drive for Uber, Lyft, or a similar service, you'll need a rideshare endorsement or a commercial policy. We can help you find the right solution.
Ready to get covered?
Talk to a local Minnesota agent today — no pressure, no obligation.