Auto & Car Insurance

Experts You Can Trust In Faribault, MN

Choosing the Best Auto Insurance Coverage

When choosing an auto insurance provider, it’s crucial to find a company that has your back. There are so many different options, but only a select few insurance agencies are trustworthy, accountable and have extensive experience in the field. If you’re in the market for auto insurance in Faribault or elsewhere across the state of Minnesota, it’s important to consider the following to make the best decision:

girl smiling driving a car
cars driving down highway in snow storm
man in drivers seat of car giving thumbs up

Auto Insurance is Mandatory in Minnesota!

In Faribault and throughout the state of Minnesota, it’s illegal to operate a motor vehicle without proper auto insurance coverage! Don’t risk your health, finances and freedom by driving uninsured. At a minimum, you must have the following:

Bodily Injury Liability:

  • $30,000 per person
  • $60,000 per accident (if more than one person is injured)

Property Damage Liability:

  • $10,000 per accident

This applies to a variety of types of motor vehicles that Truax & Associates specializes in covering, including:

cars in traffic on highway


person driving a motorcycle around a turn


classic vehicles with their hoods up at a car show

Classic Vehicles

Recommended Optional Liability Coverage:

Liability coverage is not always mandatory for the following types of motor vehicles, but of course it is highly recommended to be covered in every way possible for increased peace of mind and security. Minnesota state laws can be tricky, so please contact us for advice for your specific situation. Below are the three most common types of vehicles that don’t need to be covered, but should be.

two people riding snowmobiles in Minnesota


boat cruising through the lake

Boats & Watercrafts

two people on atvs in the fall


*Please contact us to verify if the above coverages apply to your specific needs as not all policies are the same.

Minnesota Auto Insurance FAQs

What happens if I drive without auto insurance in Minnesota?

If you’re pulled over and found to be driving without insurance, this can result in fines, penalties, or even the suspension of your driver’s license. If your car is damaged or you’re in an accident, the consequences can be even more severe. This is why the state mandated minimum includes liability insurance for both bodily injury and property damage.

Is auto insurance expensive?

At Truax & Associates Insurance Agencies, we work with a wide variety of insurance providers, many of whom offer discounts on their premiums. There are many variables in your control that can save you money, such as safe driving, bundling multiple policies, discounts for students, and even access to special offers on anti-theft devices. Our team will evaluate your needs and budget to make the best possible recommendation.

What happens if I get in an accident?

If you get into an accident with your motor vehicle, the first course of action is making sure you get to a safe space and call 911. Whether you’re on the side of the road or out on the lake with your boat, take care of your own security first and make sure to exchange information with any other parties involved in the accident. Next, take pictures and videos if possible to help document the time and nature of the scene of the accident. This can be crucial for proving your side of the story and having evidence of what occurred. Finally, call your insurance provider and follow their instructions as they guide you through the process of filing a claim.

Can I add other drivers to my own policy?

Normally, this is standard practice for auto insurance coverage. This allows you to add spouses, dependents, and other household members to your policy. However, your insurance provider will carefully review each person you are adding, so it’s important to make sure they don’t raise your premium if you’re adding someone with higher liability, such as a past of reckless driving or moving violations.

Auto Insurance Carriers

At Truax & Associates, we prioritize offering premier auto insurance options tailored to your needs. Our dedicated team is devoted to securing your optimal policy, ensuring that you drive with confidence and peace of mind. Among the industry leading auto insurance providers we partner with are:

Progressive Insurance logo
Integrity Insurance logo
Foremost Insurance logo
Travelers Insurance logo
Safeco Insurance logo
Stillwater Insurance Group logo
IMT Insurance logo
National General Insurance logo

Auto Insurance Testimonials

{Very friendly and they take care of their customers. They work hard and find ways to save you money. Excellent!
Chris Bruley
{Great service. Found the insurance I needed at a way better price than what I was finding myself.
LeAnna Anderson-Speiker
{I only buy my insurance through Truax. I always get the best quotes. I have looked around a few times and I can't beat their prices.
Michelle Williams
{I've been with Truax & Associates for almost thirty years. They have always been very responsive and have spent the time trying to find the lowest rates.
Tony Graves

Contact Us Today for a Free Auto Insurance Quote!

Truax and Associates Insurance Agency logo

(507) 334-5850
215 Western Ave Northwest
Faribault, MN 55021

Note: From May - September, we are only open on the 1st & 3rd Saturday of every month.