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2026
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Our goal is to connect people with the best local professionals. We scored Minnesota local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Need help contacting a Local Car Insurance Agency in Minne? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.
Safechoice Insurance Agency serves individuals and business owners in Minnesota. It works with various carriers to offer a wider range of personal and commercial insurance options to its customers. One of its products is auto policy that includes comprehensive coverage, liability coverage, personal injury protection, and roadside assistance to policyholders. In addition, it offers coverage for ATVs, RVs, toys, and motorcycles. Customer support and claim assistance are available 24 hours a day. Safechoice Insurance Agency also accommodates clients from�Wisconsin.
Hanlon & Associates is an insurance brokerage that caters to clients in Minnesota and Wisconsin. Since its inception in 2014, the agency has been helping clients secure and cheap coverage for their valuable assets such as automobiles. Its professionals help clients understand their state's insurance requirements and explain their coverage choices. They also write policies for the clients� recreation vehicles, such as ATVs, snowmobiles, and motorcycles. Hanlon & Associates also offers home, commercial, life, jewelry, and event insurance.
Atlas Insurance Brokers - North Rochester is an independent agency that serves clients throughout Minnesota. It helps people find the best coverage options from more than 30 insurance companies. Among its offerings are protection plans for cars, which also cover classic and antique cars, as well as international licenses. Vance Prigge, the company's president, has been working as a full-time agent since 1993. He served as the president of the Minnesota Independent Insurance Agents and Brokers Association.
Smart Move Insurance is an agency that provides the best services to individuals, families, and business owners in Minnesota. It offers a broad range of insurance options to secure people's properties and valuable assets, such as automobiles. The car insurance it offers includes coverage for liability, collision, comprehensive, and uninsured or underinsured motorists. Clients may also purchase extra coverage for roadside assistance, towing, and rental car reimbursement. Jessie Mackie, the agency's owner and insurance broker, is licensed in 27 states.
Founded in 1889, Dwight Swanstrom Insurance is licensed to serve clients in Minnesota, Wisconsin, and Arizona. Equipped with over 200 years of combined industry experience, the company's agents help clients in finding car insurance policies that protect their vehicle and financial future in case of disaster. They can also search the agency�s provider network with over 17 companies to find a policy that covers clients� RVs, boats, and motorcycles. Coverage plans for life, homes, and businesses are also available.
House of Insurance Agency has been serving the policy needs of the people of Minnesota since 1945. It writes policies to protect client's valuable assets, such as cars, which include coverage for collision incidents, road trouble service, additional expenses, and lease or loan gaps. The firm's professionals also advise clients on what types and amounts of auto coverage best meet their needs. House of Insurance Agency currently provides personal and commercial insurance to more than 2,000 clients.
Lakeside Insurance Brokers is a locally owned agency in Minnesota with offices in Burnsville and Chanhassen. For over 25 years, the firm has been guiding clients with their business or personal insurance needs. One of its products is a coverage plan for automobiles. In this policy, the clients are financially protected in the event of injury, death, or property damage resulting from an accident. Damage to the policyholder's own vehicle can also be covered by collision and comprehensive insurance.
Hatzung Insurance is a family-owned agency that has been serving clients in Minnesota since 1950. It offers a wide variety of personal and business insurance products, including the best auto policies. In the event of an accident, the insurance policy protects drivers from financial loss. Coverage options for auto insurance include property, liability, medical, uninsured and underinsured motorists, comprehensive, and collision. Its insurance professionals also help clients choose the right policy from its broad selection of partner carriers, including Travelers, AAA, Auto-Owners Insurance, and Chubb.
City Insurance is an agency in Minnesota helping people get the security they need with the best and cheapest policies available. It offers car insurance that pays the medical and legal costs associated with injury, death, or property damage due to an accident involving the policyholder's vehicle title. There are also coverage options for motorcycles, classic cars, motorhomes, boats, jet skis, RVs, and ATVs. City Insurance partners with a number of carriers, including AAA, Safeco Insurance, Kemper, Nationwide, and Progressive.
Sandvik Insurance Agency works to minimize risk and preserve financial security for individuals and families in Minnesota. It offers a wide array of insurance products for a cheap price, such as auto insurance. The insurance covers physical damage or bodily injury caused by traffic collisions and liability that may arise. It may also provide coverage for loss of vehicle and damage caused by events other than traffic collisions. Sandvik Insurance Agency is in partnership with over 50 insurance companies, including AAA, Travelers, Progressive, and Safeco.
Ted W. Smith Insurance Services, Inc., caters to individuals and families throughout Minnesota, Iowa, and Wisconsin. It offers a range of personal protection plans, including car insurance. This covers the driver's liability for property damage or injury to others caused by their vehicles. The agency also helps customize policies for teenage and guest drivers and special situations, like the installation of custom audio equipment and the commercial use of a vehicle. Ted Smith, its president and founder, has been marketing insurance since 1993.
Noah Insurance Group - Osceola is a locally operated business serving clients in Minnesota and Wisconsin. It offers a variety of insurance options, including car insurance policies. The agency carries different types of car protection plans, including collision, comprehensive, medical payments, bodily injury liability, property damage liability, and uninsured motorists coverage. Its insurance consultants meet clients to assess their information and recommend the best auto or truck insurance policies for them. Noah Insurance Group has a 36-year track record of success.
Anchor Insurance Agency offers its products and support to individuals and families throughout Minnesota. It helps them acquire a customized auto insurance policy with various types of coverage. Some of these are standard auto, preferred auto, classic car, risk auto, and specialty coverage. Its team also guides clients in choosing the best life, home, and business insurance. Tom Johnson and Shawn Lappen, partners at the agency, have been collectively working in the industry for six decades.
Kim Nybo has been working as an insurance professional for over three decades and is considered the best agent in Minnesota. In 1989, she launched her own State Farm-affiliated agency in the state to help clients cope with unforeseen life events. One of its insurance products is a coverage plan for valuable assets, such as personal vehicles. The car insurance policies it offers include collision, comprehensive, rental, and rideshare coverage. Kim and her team also accommmodates Somali-speaking clients.
Zachman Insurance Agency is a locally owned firm that caters to clients in Minnesota. It offers a wide variety of insurance products in personal and business lines, including auto policies. Some of the coverage options available with auto policies are liability, comprehensive, collision, and uninsured and underinsured motorist coverage; diminishing deductibles; and accident forgiveness. Policyholders also have access to roadside assistance and 24-hour customer service. Zachman Insurance Agency has been offering risk management solutions since 1980.
Founded in 2013, Oak Tree Insurance is the best agency that caters to clients in Minnesota. Among its insurance products is a policy for personal cars. It compares quotes from over 20 car insurance companies and drafts policies according to clients' coverage needs. Car insurance provides financial protection to policyholders for liability, physical damage to their vehicles, and roadside assistance. The agency's founder, Corey Stich, began in financial services in 2001 as a licensed banker and started offering insurance in 2011.
John Arens has been providing clients with insurance services for more than 25 years. In Minnesota, his State Farm-affiliated firm offers a variety of insurance options, including car coverage plans. The auto policy covers collision or comprehensive insurance, rideshare protection, and car repair reimbursement. Roadside help is also available 24 hours a day to policyholders. There are also coverage options for rental automobiles and sports cars. In addition, people may opt to bundle their house and auto insurance policies. Services in Spanish are available..
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If your car is undrivable due to damage, insurers should inspect it within five business days post-claim notification. However, if it can still be operated safely, the company has up to 15 days from your claim report to conduct the inspection. Always communicate promptly with your insurer in Minnesota and ensure you understand their timelines to avoid complications.
In Minnesota, the car insurance policyholder is protected. Additionally, any kin residing in the policyholder's residence without a separate insurance policy may be covered, including spouses, offspring, or minors under a relative's guardianship. If someone operates your vehicle and has your consent but lacks other insurance, your policy extends its protection to them. Always review your policy's specifics to comprehend its scope fully.
Comprehensive insurance in Minnesota guards against car damage not caused by collisions, such as fires, vandalism, and animal strikes. If you have this coverage, your insurer compensates for such damages. On the other hand, collision insurance covers damages resulting from crashes with vehicles or objects and in rollovers. It covers repair costs up to the car's pre-accident worth. Any exceeding amount is the car owner's responsibility.
Your own car insurance in Minnesota generally takes care of your medical costs. The state operates under a no-fault auto insurance framework, meaning your insurer handles medical expenses due to accidents up to a stipulated limit. If neither you nor any family member in the dwelling owns a car, another insurance entity steps in, either from a household relative's policy or from a car implicated in the mishap.
While minimum coverage car insurance offers the most affordable rates in Minnesota, it’s primarily liability-only. This means in a pricey at-fault accident, this coverage might fall short. Furthermore, the coverage doesn’t extend protection to your own vehicle. Should an accident occur necessitating repairs, you'd bear the full expense. For encompassing vehicle protection, drivers should consider incorporating both comprehensive and collision options, termed full coverage.

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