In Minnesota, the auto insurance industry is a vital sector supporting drivers and families. Companies provide a range of coverage options tailored for individuals, families, and businesses. Typical offerings include personal auto insurance, commercial policies, and specialized products like motorcycle and farm vehicle insurance. As technology progresses, the industry's landscape is evolving to include digital platforms for easier access and management of policies. Additionally, insurers are placing a greater emphasis on customer service, risk assessment, and competitive pricing to retain and attract clients in an increasingly crowded market.


This list features 22 noteworthy auto insurance companies in Minnesota, varying in size from small agencies to larger organizations. Headquartered across the state, these companies were founded between the 1930s and 2010s, with specializations in personal, commercial, and niche insurance products. Notable firms include North Star Mutual and Western National Insurance, reflecting both longstanding heritage and contemporary approaches to risk management, offering a blend of traditional and innovative solutions to their clients.


Continue reading to discover the top auto insurance companies in Minnesota.


Top 22 Auto Insurance Companies in Minnesota


1. North Star Mutual Insurance Company


North Star Mutual Insurance Company, based in Cottonwood, Minnesota, has been a steadfast provider of property and casualty insurance since its inception in 1920. The company specializes in a range of insurance products, including farm, home, auto, and business insurance, catering primarily to families and small business owners. With a workforce of approximately 153 employees, North Star Mutual operates through a network of independent agents across eight states, including Minnesota, North Dakota, South Dakota, Nebraska, Oklahoma, Iowa, Kansas, and Wisconsin. The company prides itself on its commitment to customer satisfaction, community involvement, and maintaining strong relationships with its policyholders. North Star Mutual is particularly noted for being the largest farm insurance writer in Minnesota, showcasing its expertise in agricultural insurance. The company has consistently demonstrated financial stability, with written premiums exceeding $729 million and assets totaling $1.1 billion. Their focus on personal service and community values has allowed them to build a loyal customer base, making them a significant player in the insurance industry.


2. Western National Insurance

  • Website: wnins.com
  • Ownership type: Private
  • Headquarters: Edina, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 97%, South Africa 3%
  • Founded year: 1901
  • Headcount: 501-1000
  • LinkedIn: western-national-insurance

Western National Insurance, based in Edina, Minnesota, has been a player in the insurance industry since its founding in 1901. The company provides a variety of insurance products tailored for individuals, families, and businesses. Their offerings include personal auto insurance, homeowner policies, and commercial insurance solutions. With a workforce of approximately 835 employees, Western National Insurance operates primarily in the United States, with a small presence in South Africa. The company emphasizes customer service and risk management, aiming to protect clients from financial losses. Their long-standing history and commitment to quality service position them as a noteworthy option in the auto insurance market.


3. Red Rock Insurance Agency


Red Rock Insurance Agency, based in Woodbury, Minnesota, is a private insurance agency that offers a range of insurance products, including auto, home, life, and business insurance. Established in 2017, the agency prides itself on delivering personalized insurance solutions tailored to the unique needs of both individual consumers and businesses. With a team of experienced agents, Red Rock Insurance Agency aims to provide high-quality service and competitive rates by leveraging multiple insurance markets. The agency's focus on building lasting relationships with clients is evident in its commitment to responsive support and customer satisfaction. Although it operates primarily in Minnesota and Wisconsin, Red Rock Insurance Agency is dedicated to safeguarding the interests of its clients through comprehensive insurance coverage and expert guidance.


4. North Central Insurance Agency

  • Website: northcentralinsurance.com
  • Ownership type: Private
  • Headquarters: Elk River, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1998
  • Headcount: 1-10
  • LinkedIn: nciamn

North Central Insurance Agency, based in Elk River, Minnesota, has been providing insurance solutions since its founding in 1998. The agency specializes in a range of insurance products, including auto, homeowners, business, health/life, and pet insurance. With a small team of 1-10 employees, North Central Insurance Agency focuses on delivering tailored insurance solutions to both consumers and businesses. The agency prides itself on its personalized approach, leveraging its partnerships with several major carriers to offer competitive pricing and coverage options. Its commitment to customer service is reflected in positive testimonials from clients who appreciate the agency's responsiveness and attention to individual needs. North Central Insurance Agency operates solely within the United States, ensuring a localized understanding of the insurance market and client requirements.


5. Heartman Insurance

  • Website: heartman.com
  • Ownership type: Private
  • Headquarters: Rochester, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1963
  • Headcount: 11-50
  • LinkedIn: heartman-insurance

Heartman Insurance, established in 1963, is a private insurance agency based in Rochester, Minnesota. With a dedicated team of 48 employees, the agency serves individuals, families, and businesses across the Upper Midwest. Heartman Insurance offers a comprehensive range of insurance products, including auto, home, life, health, and business insurance. As an independent agency, they work with multiple insurance providers, enabling them to customize coverage options to meet the specific needs of their clients. Their focus on personal service and community engagement has allowed them to build strong relationships with their clients, making them a trusted choice for insurance solutions in their region.


6. Lakeside Insurance Brokers

  • Website: lakesideins.com
  • Ownership type: Private
  • Headquarters: Burnsville, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1990
  • Headcount: 11-50
  • LinkedIn: lakeside-insurance-brokers

Lakeside Insurance Brokers, established in 1990, is an independent insurance agency based in Burnsville, Minnesota, with additional offices in Chanhassen and Saint Louis Park. The agency specializes in a range of insurance products, including auto, home, life, and business insurance. With a dedicated team of 18 employees, Lakeside Insurance Brokers prides itself on providing personalized insurance solutions to both individual consumers and businesses. Their independent status allows them to work with multiple insurance companies, enabling them to offer clients a variety of coverage options and competitive pricing. The agency emphasizes customer service, aiming to treat clients like family and ensuring they receive the support they need throughout the insurance process. Lakeside Insurance Brokers is also committed to giving back to the local community, reinforcing their role as a trusted partner in risk management and asset protection.


7. Town & Country Insurance

  • Website: townandcountry-ins.com
  • Ownership type: Private
  • Headquarters: Finlayson, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1977
  • Headcount: 11-50
  • LinkedIn: town-and-country-ins

Town & Country Insurance, based in Finlayson, Minnesota, has been serving clients since 1977. This privately-owned agency specializes in a variety of insurance products, including auto, home, life, health, and commercial insurance. With a team of 11 to 50 employees, they focus on providing personalized insurance solutions to both individuals and businesses. Their approach emphasizes understanding client needs and delivering tailored coverage options. The agency prides itself on its customer service, as reflected in numerous positive testimonials from clients who value the knowledgeable and responsive support they receive. Town & Country Insurance operates multiple locations in Minnesota, enhancing their ability to serve local communities effectively. They represent several top-rated insurance companies, allowing them to offer a range of options to their clients without being tied to a single provider.


8. Insurance Warehouse LLC


Insurance Warehouse LLC, based in Golden Valley, Minnesota, is a family-owned insurance agency founded in 2011. The company specializes in providing a wide array of insurance products, including personal and commercial insurance. Their offerings include auto insurance, home insurance, health insurance, and more. With a dedicated team focused on customer service, Insurance Warehouse aims to simplify the insurance process for clients by comparing rates from over 30 top carriers. This independent agency prides itself on its ability to tailor insurance solutions to meet the unique needs of individuals and businesses alike. They have established a strong presence in the Twin Cities metro area, serving clients in Minneapolis, St. Paul, and surrounding communities. Their commitment to customer satisfaction and efficient service has positioned them as a notable player in the insurance industry.


9. RAM Mutual Insurance Company

  • Website: rammutual.com
  • Ownership type: Private
  • Headquarters: Esko, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1931
  • Headcount: 51-200
  • LinkedIn: ram-mutual-insurance-company

RAM Mutual Insurance Company, based in Esko, Minnesota, has been a significant player in the insurance industry since its inception in 1931. Initially established as a reinsurance provider for township mutuals, the company has evolved to offer a comprehensive suite of personal and commercial insurance products. This includes auto insurance, which they began writing in 1993, and expanded to include personal and commercial auto policies by 2001. RAM Mutual serves over 45,000 policyholders through partnerships with more than 600 independent agencies across Minnesota and North Dakota. Their focus on customer service is evident in their offerings, which include 24-hour claim reporting and various discounts for safe driving and multi-vehicle policies. The company also emphasizes community involvement, encouraging employee volunteerism and supporting local charities. With a dedicated team and a strong regional presence, RAM Mutual Insurance Company continues to adapt to the needs of its policyholders while maintaining a commitment to quality service.


10. Pioneer Heritage Insurance, LLC


Pioneer Heritage Insurance, LLC, based in Spicer, Minnesota, has been serving clients since its establishment in 2003. The company emerged from the merger of several local agencies, which has allowed it to build a strong community presence. With a team of experienced professionals, Pioneer Heritage Insurance offers a variety of insurance products, including auto, home, farm, life, health, and pet insurance. Their commitment to quality coverage is evident in their partnerships with well-respected insurance carriers, ensuring that clients receive sound and competitive policies. The agency operates from four locations in Minnesota, providing personalized service to both individual consumers and businesses. Their focus on customer relationships and understanding of local needs positions them as a trusted choice for insurance in their region.


11. Realogy Insurance Agency


Realogy Insurance Agency, also known as Anywhere Insurance Agency, is a private insurance agency based in Edina, Minnesota. Founded in 1997, the agency specializes in personal lines insurance, including auto, homeowners, and flood insurance. They operate by providing consumers with quotes from various national and regional insurance companies, facilitating a one-stop shopping experience for insurance needs. This model not only simplifies the process for clients but also allows them to access a range of coverage options and competitive pricing. The agency is part of Anywhere Integrated Services, which connects them to a broader network of insurance products and services. With a team of skilled agents, Realogy Insurance Agency emphasizes personalized service, aiming to meet the unique insurance needs of individual consumers.


12. Insurance Brokers Of Minnesota


Insurance Brokers of Minnesota, Inc. is an insurance agency based in Anoka, Minnesota, founded in 1998. The company operates with a workforce of approximately 57 employees and has established multiple locations throughout Minnesota. They provide a comprehensive range of insurance products, including personal, business, and health insurance. Their offerings include various types of auto insurance, such as standard auto, classic car, and motorcycle insurance. The agency emphasizes personalized service, working closely with clients to assess their unique insurance needs and manage risks effectively. They are associated with over 50 top-rated insurance companies, which enhances their ability to offer competitive pricing and coverage options. Insurance Brokers of Minnesota is committed to serving both individual consumers and businesses, ensuring that they have the right protection for their assets. Their focus on community involvement and customer service further solidifies their position in the insurance industry.


13. Choice Insurance Agency

  • Website: mnchoiceinsurance.com
  • Ownership type: Private
  • Headquarters: Burnsville, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2005
  • Headcount: 1-10
  • LinkedIn: choice-insurance-agency

Choice Insurance Agency, founded in 2005 and based in Burnsville, Minnesota, is a private insurance agency that specializes in providing a variety of insurance products. These include auto, home, life, health, and business insurance. As an independent agent, the agency has the flexibility to offer policies from multiple carriers, which allows them to tailor insurance solutions to meet the specific needs of both individual consumers and businesses. With a small team of dedicated professionals, Choice Insurance Agency emphasizes personalized service and local expertise, making it a trusted option for clients in Minnesota. The agency actively engages in the auto insurance market, providing resources such as buyer's guides and instant online quotes to assist customers in making informed decisions about their coverage. Their commitment to customer service and the ability to shop around for the best rates from various providers enhances their relevance in the auto insurance industry.


14. Preferred Insurance Services

  • Website: preferredmn.com
  • Ownership type: Private
  • Headquarters: Arden Hills, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1993
  • Headcount: 11-50
  • LinkedIn: preferred-insurance-services

Preferred Insurance Services, based in Arden Hills, Minnesota, has been serving the insurance needs of individuals and businesses since its founding in 1993. The agency specializes in a wide array of insurance products, prominently featuring auto insurance among its offerings. With a team of knowledgeable agents, Preferred Insurance Services aims to create tailored insurance solutions that meet the unique needs of their clients. They pride themselves on their commitment to outstanding service, ensuring that clients receive personalized attention without the impersonal touch of a large corporate entity. The agency's ability to shop for the best coverage at competitive rates, representing both national and local carriers, positions them as a significant player in the Minnesota insurance market. Their focus on building long-term relationships with clients further underscores their dedication to providing comprehensive protection for what matters most to their customers.


15. Mendota Insurance

  • Website: mendota-ins.com
  • Ownership type: Private
  • Headquarters: Eagan, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 51-200
  • LinkedIn: mendota-insurance

Mendota Insurance, founded in 1989, is a private insurance company based in Nashville, Tennessee, with operational offices in Eagan, Minnesota, and claims offices in Miami, Florida. The company specializes in private passenger auto insurance, particularly focusing on non-standard auto insurance, which serves individuals who may not fit the typical underwriting criteria of standard insurers. With a workforce of approximately 176 employees, Mendota operates in ten states, including Arizona, Florida, and Texas, and is licensed to sell in all 50 states. Their emphasis on providing superior service to both customers and agents highlights their commitment to the insurance industry. Mendota Insurance aims to simplify the insurance buying process, making it easier for agents and customers alike to navigate their offerings. They have not reported any recent funding, indicating a stable operational model without external financial backing.


16. Young & Associates Insurance

  • Website: younginsure.com
  • Ownership type: Family Owned
  • Headquarters: Duluth, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1954
  • Headcount: 11-50
  • LinkedIn: young-%26-associates-insurance

Young & Associates Insurance, based in Duluth, Minnesota, is a family-owned insurance agency that has been serving the community since 1954. The agency offers a range of insurance products, including auto, home, motorcycle, and business insurance. They cater to both individual consumers and businesses, focusing on providing tailored insurance solutions that meet the unique needs of their clients. Young & Associates operates as an independent agency, which allows them to represent a selection of reputable insurance companies. This independence enables them to find the best coverage options at competitive prices. Their commitment to customer service is evident in the numerous positive testimonials from clients, who appreciate the agency's responsiveness and personalized approach. Young & Associates Insurance primarily serves clients in Minnesota and Wisconsin, reinforcing their local expertise and community involvement.


17. HomeTown Insurance

  • Website: myht.biz
  • Ownership type: Family Owned
  • Headquarters: Cleveland, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1937
  • Headcount: 11-50
  • LinkedIn: hometowninsurancemn

HomeTown Insurance, based in Cleveland, Minnesota, is a family-owned insurance agency that has been serving clients since 1937. The agency provides a wide array of insurance products, including auto, home, health, business, and life insurance. With a team of independent agents, HomeTown Insurance focuses on delivering personalized service to both individual consumers and businesses. The agency operates in multiple states, including Minnesota, South Dakota, Wisconsin, Colorado, and Arizona, which allows it to cater to a broader client base. HomeTown Insurance emphasizes its commitment to protecting families and assets from various risks, making it a relevant choice for those seeking auto insurance solutions. The agency has not reported any funding, indicating it operates independently without external financial backing.


18. Soderholm Insurance Services


Soderholm Insurance Services, founded in 1993 and based in Alexandria, Minnesota, is a private insurance agency that offers a wide array of insurance products, prominently featuring auto insurance. With a team of 18 employees, the agency prides itself on its extensive experience, boasting over 139 years of combined service in the insurance industry. Soderholm Insurance Services caters to individuals, families, and businesses, helping them manage risks and protect their assets through customized insurance solutions. The agency's commitment to client service is evident in their approach to understanding unique insurance needs and providing tailored policies. They represent multiple nationwide insurance carriers, which enables them to compare rates and coverages effectively, ensuring clients receive quality protection. Their focus on auto insurance, alongside other personal and business insurance products, positions them as a relevant player in the insurance market.


19. Advantage 1 Insurance

  • Website: advantageoneins.com
  • Ownership type: Private
  • Headquarters: St. Cloud, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 88%, Zambia 12%
  • Founded year: 1994
  • Headcount: 11-50
  • LinkedIn: advantage-1-insurance

Advantage 1 Insurance, founded in 1994 and based in St. Cloud, Minnesota, is an independent insurance agency that provides a variety of insurance products, including auto, home, health, life, recreational, and business insurance. The agency prides itself on delivering personalized service, ensuring that clients receive tailored insurance solutions that meet their specific needs. By obtaining quotes from multiple insurance carriers, Advantage 1 aims to secure the best coverage options for its clients. The agency has expanded its reach through strategic acquisitions, enhancing its presence in the local market. Advantage 1 is actively involved in the community, participating in organizations such as the St. Cloud Area Chamber of Commerce and various local charities. This community engagement not only strengthens their local ties but also builds trust with potential clients. The agency is licensed to operate in several states, including Minnesota, Wisconsin, and Colorado, further broadening its service area.


20. The Canopy Group

  • Website: thecanopygroup.com
  • Ownership type: Corporate
  • Headquarters: Le Sueur, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: October 2024
  • Founded year: 1930
  • Headcount: 11-50
  • LinkedIn: the-canopy-group

The Canopy Group, founded in 1930 and based in Le Sueur, Minnesota, is an insurance agency that specializes in providing a range of insurance products, including auto, home, health, and business insurance. With a team of approximately 47 employees, they focus on delivering tailored insurance solutions to both individual consumers and businesses. The company collaborates with 16 reputable insurance providers, which allows them to offer competitive pricing and comprehensive coverage options. Their commitment to customer service is evident in their approach to policy management, where they conduct annual reviews to ensure that clients receive the best possible coverage and pricing. The Canopy Group has established a strong foothold in the auto insurance market, with over 21,000 auto policies currently in force, and they report an average savings of $817 for new customers. This focus on client satisfaction and continuous market analysis underscores their relevance in the insurance industry.


21. Freedom Insurance Agency

  • Website: freedominsagent.com
  • Ownership type: Private
  • Headquarters: Burnsville, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2010
  • Headcount: 51-200
  • LinkedIn: freedom-insurance-agency

Freedom Insurance Agency, established in 2010 and located in Burnsville, Minnesota, is an independent insurance agency that provides a wide array of insurance products, including auto, home, business, and life insurance. The agency prides itself on delivering personalized service to individuals, families, and businesses throughout Minnesota. By operating as independent agents, they can represent multiple insurance carriers, allowing them to tailor coverage options to meet the unique needs of their clients. This flexibility is particularly beneficial in the auto insurance market, where they emphasize finding affordable and comprehensive coverage. Freedom Insurance Agency is committed to customer satisfaction, ensuring that clients receive the support they need during claims and policy management. Their focus on community engagement and local service further solidifies their role in the insurance industry.


22. Atlas Insurance Brokers, LLC

  • Website: aibme.com
  • Ownership type: Private
  • Headquarters: Rochester, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1996
  • Headcount: 51-200
  • LinkedIn: atlas-insurance-brokers-llc

Atlas Insurance Brokers, LLC, founded in 1996 and based in Rochester, Minnesota, is a private insurance agency that provides a broad spectrum of insurance products, including auto, home, and business insurance. The agency operates through independent agents who collaborate with multiple insurance carriers, allowing them to present clients with a variety of options tailored to their specific needs. With a workforce of approximately 51-200 employees, Atlas has established a significant presence in the Midwest, boasting over 125 offices across Minnesota, Iowa, North Dakota, South Dakota, Arizona, and Florida. The agency's commitment to client service is evident in its approach, which emphasizes personal, local service while acting as an advocate for clients during claims processes. Atlas has also been recognized for its growth and performance in the industry, receiving accolades such as the 2023 Independent Agency of the Year and being listed among the top 100 property and casualty agencies in the U.S. by Insurance Journal.



Auto Insurance Insights: Key Companies in Minnesota


CompanyHeadquarterSizeFoundedOwnership
North Star Mutual Insurance CompanyCottonwood, Minnesota, United States (USA)201-5001920Private
Western National InsuranceEdina, Minnesota, United States (USA)501-10001901Private
Red Rock Insurance AgencyWoodbury, Minnesota, United States (USA)1-102017Private
North Central Insurance AgencyElk River, Minnesota, United States (USA)1-101998Private
Heartman InsuranceRochester, Minnesota, United States (USA)11-501963Private
Lakeside Insurance BrokersBurnsville, Minnesota, United States (USA)11-501990Private
Town & Country InsuranceFinlayson, Minnesota, United States (USA)11-501977Private
Insurance Warehouse LLCGolden Valley, Minnesota, United States (USA)11-502011Family Owned
RAM Mutual Insurance CompanyEsko, Minnesota, United States (USA)51-2001931Private
Pioneer Heritage Insurance, LLCSpicer, Minnesota, United States (USA)11-502003Private
Realogy Insurance AgencyEdina, Minnesota, United States (USA)11-501997Private
Insurance Brokers Of MinnesotaAnoka, Minnesota, United States (USA)51-2001998Private
Choice Insurance AgencyBurnsville, Minnesota, United States (USA)1-102005Private
Preferred Insurance ServicesArden Hills, Minnesota, United States (USA)11-501993Private
Mendota InsuranceEagan, Minnesota, United States (USA)51-2001989Private
Young & Associates InsuranceDuluth, Minnesota, United States (USA)11-501954Family Owned
HomeTown InsuranceCleveland, Minnesota, United States (USA)11-501937Family Owned
Soderholm Insurance ServicesAlexandria, Minnesota, United States (USA)11-501993Private
Advantage 1 InsuranceSt. Cloud, Minnesota, United States (USA)11-501994Private
The Canopy GroupLe Sueur, Minnesota, United States (USA)11-501930Corporate
Freedom Insurance AgencyBurnsville, Minnesota, United States (USA)51-2002010Private
Atlas Insurance Brokers, LLCRochester, Minnesota, United States (USA)51-2001996Private


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