It’s said that there are two seasons in Minnesota — winter and road construction. Spend one year here and you’ll find that’s 100 percent true, and that both seasons are equally hazardous. Cars and trucks, campers, golf carts, motorcycles, snowmobiles — we have the right coverage for you. Our policies protect you whether you’re dodging potholes on your way up north or pumping the brakes at a stoplight. We’ll smooth out all the bumps so you can always reach your destination.

Your Protection

Federated's policy offers you the following features:

  • Limits of liability up to $500,000 per person/$1,000,000 per accident
  • 24/7 roadside assistance
  • Automatic replacement cost on qualified new vehicles
  • Damage to rental vehicles automatically covered
  • Accident-free and violation-free for five years? We’ll reduce your deductible by $250
  • Selection of a body shop you prefer for your repairs; you're not limited to certain shops
  • Option to use original equipment parts rather than aftermarket parts
  • Transportation expense covering the cost to rent an auto if yours is damaged in a covered loss
  • Full glass coverage is available; no deductible to have your windshield repaired
  • Auto loan/lease coverage may be available to cover the difference between the market value and the amount owed

Discounts for Safe Drivers

The better your driving record, the greater your potential to save. We offer:

  • Accelerated savings for responsible drivers with no accidents or violations in the past five years
  • Expanded potential discounts for multiple cars and long-term clients
  • Discounts for authorized anti-theft devices
  • Special discounts for responsible use of credit
  • Discounts for qualified drivers age 55 and over who have completed a safe driving course


We'll insure your trailer.  Just add it to your existing auto policy, and you'll be ready to tow your toys, move your belongings, or pull just about anything you can't fit in your vehicle.


Make sure you’re in line with the Minnesota law. Liability helps to cover damages from bodily injury or property damage for which you’re deemed legally responsible. Liability coverage on most vehicles includes personal injury protection. Check with your agent to see if the vehicle you want covered is eligible.


The road can be an unpredictable place. Make sure you’re ready for what comes your way. Comprehensive coverage pays costs related to damage done while the vehicle isn’t moving.


Helps provide protection to cover the costs of damage caused by events such as the rollover of your vehicle or an impact with an object or another vehicle.

Coverage will be determined by the terms of your policy, if approved for issue, and the circumstances of the claim.  Coverage exclusions may apply according to the terms of your policy.

“We made the switch to Federated Personal Lines several years ago, and it was the best move ever! Not only did we save a significant amount of money on our insurance, our agent has provided unparalleled professional service. Our calls and e-mails are always immediately answered and we know we are provided with sound advice. We couldn't be happier!”

Kay, Federated Policyholder


“Our home and auto rates both went up with our prior carrier, so we decided to shop around. After doing some comparisons, we found Federated provided the same or more coverage, and was cheaper than … several other companies."

Paul and Angela, Federated Policyholders