Insurance agencies · Minnesota

Insurance Agencies in South Saint Paul, MN

Local agencies in South Saint Paul for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in South Saint Paul

South Saint Paul has 20,611 residents in 8,425 households. We list 2 insurance agencies in South Saint Paul. Here is what the local numbers say about the cover people here need.

South Saint Paul at a glance

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

Natural hazard risk in Dakota County

FEMA rates the overall natural hazard risk in Dakota County, where most South Saint Paul agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • Strong windVery 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
  • HailRelatively High

    Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

    Home insurance in Minnesota
  • TornadoRelatively High

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Minnesota
  • Winter weatherRelatively High
  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Minnesota

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 MinnesotaHow much liability cover do you need?

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

Questions

Insurance agencies in South Saint Paul

How do I find an insurance agency in South Saint Paul?

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 South Saint Paul?

FEMA's National Risk Index rates inland flooding risk in Dakota County as Relatively Moderate 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 South Saint Paul?

30.3% of households in South Saint Paul 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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