Mankato has 45,473 residents in 18,075 households. We list 8 insurance agencies in Mankato. Here is what the local numbers say about the cover people here need.

Mankato at a glance

8insurance agencies listed
50%of households rentRenters insurance
$261,700median home valueHome insurance
1982median year homes were builtRebuild cost calculator
9.1%of households have no carAuto insurance
5.7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Blue Earth County

FEMA rates the overall natural hazard risk in Blue Earth County, where most Mankato agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Minnesota
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Minnesota

Minnesota requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $10,000 of property damage liability, often written 30/60/10. It also requires personal injury protection ($40,000), uninsured motorist coverage ($25,000 per person, $50,000 per accident) and underinsured motorist coverage ($25,000 per person, $50,000 per accident). Minnesota is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Minnesota How much liability cover do you need?

Source: revisor.mn.gov. Checked 2026-10-24.

Where Mankato agencies are

Mankato agencies we list sit in 2 ZIP codes, mostly in Blue Earth County.

560017 agencies
560031 agency

Questions

Insurance agencies in Mankato

How do I find an insurance agency in Mankato?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Mankato?

FEMA's National Risk Index rates inland flooding risk in Blue Earth County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Mankato?

50% of households in Mankato rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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