Insurance agencies · Minnesota
Insurance Agencies in Saint James, MN
Local agencies in Saint James for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Saint James
Saint James has 4,767 residents in 1,810 households. We list 3 insurance agencies in Saint James. Here is what the local numbers say about the cover people here need.
Saint James at a glance
- 3insurance agencies listed
- 33.6%of households rentRenters insurance
- 1969median year homes were builtRebuild cost calculator
- 13.2%of households have no carAuto insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
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 MinnesotaHow much liability cover do you need?
Source: revisor.mn.gov. Checked 2026-10-24.
Questions
Insurance agencies in Saint James
How do I find an insurance agency in Saint James?
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 Saint James?
FEMA's National Risk Index rates inland flooding risk in Watonwan County as Very 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 Saint James?
33.6% of households in Saint James 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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