Auto Insurance
Your Vehicle Deserves More Than Minimum Coverage
Get real protection that keeps you on the road — and ahead of unexpected costs.
The Problem
Auto Insurance in Minnesota, Wisconsin & Iowa
Fallon Insurance Agency is licensed to protect drivers across Minnesota, Wisconsin, and Iowa. Every state has different minimum coverage requirements, weather risks, and accident rates — our agents build every Farmers Insurance auto policy around where you actually drive, not just what the state legally requires. Select your state to see local coverage details and get a free quote.
Key Auto Coverage Options
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Bodily Injury Liability
Up to 100/300k — protecting your income and assets
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Property Damage Liability
Coverage for damages to others’ vehicles or property
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Comprehensive & Collision
Damage from accidents, theft, storms, or animals
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Rental Car Reimbursement
Keep moving while your vehicle is in the shop
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Roadside Assistance
100-mile tow and 24/7 support
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Accident Forgiveness
First accident won’t raise your premium
Why Fallon?
No Bare-Minimum Quotes
Custom Risk Reviews
We show you where your risk lives and how to fix it affordably.
Coverage Gap Detection
Auto Insurance — Frequently Asked Questions
Common questions from Minnesota and Wisconsin drivers about coverage requirements, costs, and what a Farmers Insurance auto policy actually includes.
How much does car insurance cost in Minnesota?
The average cost of car insurance in Minnesota is approximately $1,400–$1,800 per year for full coverage. Minnesota is a No-Fault state, which means your own insurance pays for your medical expenses regardless of who caused the accident — this adds to the baseline cost compared to at-fault states.
Drivers who bundle auto with home insurance through Farmers typically save $300–$700 per year. Your driving record, vehicle type, ZIP code, and credit score all significantly affect your final premium.
What does Minnesota's No-Fault auto insurance law mean for me?
Minnesota is a No-Fault insurance state, which means your own auto policy pays for your medical bills and lost wages after an accident — regardless of who was at fault. This is covered through Personal Injury Protection (PIP), which is required by MN law on every auto policy.
The state minimum PIP is $40,000 per person — but Fallon Insurance recommends higher limits given rising medical costs in the Twin Cities and greater MN. We also ensure every policy includes adequate uninsured and underinsured motorist coverage, which protects you when the other driver has no insurance or not enough.
What does full coverage auto insurance actually include?
"Full coverage" is not a legal term — it typically means a policy that
combines liability, comprehensive, and collision coverage.
Liability covers damage you cause to others. Comprehensive covers
non-collision events like theft, hail, and deer strikes.
Collision covers damage to your vehicle from accidents.
A Fallon Insurance full coverage policy also includes 100-mile towing,
rental reimbursement, and accident forgiveness — features most
budget insurers charge extra for or don't offer at all.
"Full coverage" is not a legal term — it typically means a policy that combines liability, comprehensive, and collision coverage. Liability covers damage you cause to others. Comprehensive covers non-collision events like theft, hail, and deer strikes. Collision covers damage to your vehicle from accidents.
A Fallon Insurance full coverage policy also includes 100-mile towing, rental reimbursement, and accident forgiveness — features most budget insurers charge extra for or don't offer at all.
Does car insurance cover hitting a deer in Minnesota or Wisconsin?
Yes — but only if you have comprehensive coverage. Hitting a deer is classified as a non-collision event and is covered under comprehensive, not collision. Minnesota and Wisconsin are both high-risk states for deer-vehicle accidents, particularly during October–December rut season.
Comprehensive coverage typically costs only $100–$200 per year to add and also covers hail damage, theft, flooding, and falling objects — all common risks for MN and WI drivers. It is one of the best-value additions to any auto policy in this region.
What is accident forgiveness and does Farmers Insurance offer it?
Accident forgiveness means your first at-fault accident will not raise your premium. Yes — Farmers Insurance offers accident forgiveness as part of their auto policies. Without it, a single at-fault accident can raise your rate by 20–40% for three or more years, costing thousands of dollars in extra premiums.
Accident forgiveness is included in Fallon Insurance Farmers auto quotes and is especially valuable for Minnesota and Wisconsin drivers who face higher accident frequency during winter driving conditions. Get your quote here.