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Summer Driving Risks in Minnesota & How to Stay Protected

Published May 13, 2026 • 6 min read • By Chandler Insurance Agency

Summer driving in Minnesota looks different than winter driving — but it’s not necessarily safer.

From Memorial Day through Labor Day, our roads see a huge increase in traffic, construction, tourists, and wildlife activity. Northern Minnesota roads in particular can be especially challenging during peak summer months. Here’s what you need to know to stay protected.

Top Summer Driving Hazards in Minnesota

1. Construction Zones

Minnesota has hundreds of road construction projects every summer, especially on major routes like Highway 2, I-35, and Highway 169. Fines are doubled in work zones, and rear-end collisions spike dramatically because drivers aren’t paying enough attention.

2. Increased Tourist Traffic

Visitors from out of state often aren’t used to Minnesota’s two-lane highways, roundabouts, or aggressive summer thunderstorms. Tourist season brings a noticeable increase in out-of-state plates, especially around the lakes and in the Iron Range.

3. Wildlife on the Road

Deer, moose, and even black bears are very active in summer — especially at dawn and dusk. Northern Minnesota drivers know this all too well. Hitting a deer or moose can cause serious damage, and comprehensive coverage is what protects you in these situations.

4. Severe Summer Storms

Flash flooding, high winds, and hail can appear with almost no warning. Many drivers get caught on the road during severe weather, especially on longer trips between Grand Rapids & Itasca County, Virginia & the Iron Range, and the Twin Cities.

How to Make Sure Your Auto Insurance Has You Covered

Is Your Auto Policy Summer-Ready?

Get a free review of your auto insurance and make sure you have the right coverage for Minnesota summers.

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Article written by Chandler Insurance Agency — serving Grand Rapids, Virginia, Itasca County & all of Minnesota since 1977.