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Don’t settle: make SURE you have what you need before you head out on the road.
Being involved in an accident is every driver’s worst nightmare. And while planning for contingencies makes good sense, how can you be ready for everything? No matter what the road ahead brings, Fargo Moorhead Insurance provides you a comprehensive safety net covering all your family’s insurance needs, backed with the most dependable agent support should your family ever face an accident.
In addition to car insurance, we also offer a number of other insurance policies for different vehicles, including:
ATV’s / Off-road vehicles
CLICK HERE for your free, no-obligation auto insurance quote, boat insurance quote, or any other item listed above.
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How much car insurance do I need in Fargo Moorhead?
Below are the minimum insurance requirements for Minnesota and North Dakota. However, it’s important to keep in mind that these minimum requirements offer only basic coverage which is why it’s important for most drivers to consider upgrading their coverage for more comprehensive protection.
Car insurance requirements in Minnesota:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $10,000
Personal injury protection (PIP): $40,000
Uninsured motorist coverage: $25,000 per person and $50,000 per accident
Underinsured motorist coverage: $25,000 per person and $50,000 per accident
Car insurance requirements in North Dakota:
Bodily injury: $25,000 per person and $50,000 per accident
Property damage: $25,000 per accident
Uninsured motorist: $25,000 per person and $50,000 per accident
Underinsured motorist: $25,000 per person and $50,000 per accident
Basic personal injury protection: $150 per week with a $30,000 maximum
Do I need comprehensive and collision insurance?
On the other hand, collision insurance can help cover your own damages if you’re in a car accident. The legally required insurance coverage doesn’t give you adequate protection in the event you’re left facing thousands of dollars of car repair bills or having to replace your vehicle entirely.
Although collision and comprehensive insurance are considered optional forms of coverage, most drivers explore these options because of the incredible peace of mind and the financial benefits it gives them. It’s also worth noting if you lease or finance a vehicle, you will almost always be required to have collision and comprehensive insurance.
Whether you are interested in getting the minimum car insurance amounts to protect your investment or you’re ready to explore more comprehensive protection, we’re here to help you find what you need at a price that works for you. Call us today and we’ll get started!
CLICK HERE for your free, no obligation car insurance quote from Fargo Moorhead Insurance.
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For all of your personal and commercial insurance needs, Fargo Moorhead Insurance has been servicing clients in the Fargo Moorhead area for 50 years.