Auto Insurance

Auto Insurance in Jackson, MN – Reliable Coverage for Your Vehicles

Rural families across Jackson County often need more than a standard home insurance policy. At Klassen Insurance, we specialize in tailored packages that combine both farm insurance and homeowners insurance, giving you the convenience of one local partner and the peace of mind that your land, buildings, and belongings are properly covered. Whether you have a small hobby farm or a multi-acre operation, we can cover your farmhouse, barns, equipment, crops, and home property—all in one place.

Car Insurance Tailored to You

Minnesota drivers are required to carry auto insurance—and with good reason. At Klassen Insurance, we offer auto insurance in Jackson, MN that’s designed around your needs, driving habits, and budget. Whether you’re commuting down I-90 or navigating gravel roads outside Lakefield, we’ll build a policy that meets Minnesota’s no-fault requirements and keeps you protected.

As a no-fault state, Minnesota requires Personal Injury Protection (PIP) as part of every policy, covering medical costs and lost wages after an accident, no matter who was at fault. We’ll help you choose the right mix of liability, PIP, and physical damage coverage to stay compliant and covered.

What We Do for you

Coverage Options We Offer

Your auto policy includes more than just the basics. Klassen Insurance helps you understand and select the right coverage types, including:

Comprehensive Coverage

Protects against theft, weather damage, hitting a deer, and more.

Liability Coverage

Covers bodily injury and property damage you cause to others.

Personal Injury Protection (PIP)

Covers medical expenses and lost income after an accident.

Collision Coverage

Pays for damage to your vehicle from accidents, regardless of fault.

Uninsured/Underinsured Motorist

Steps in when the other driver doesn’t have enough coverage.

We’ll also talk through deductible options and recommend appropriate coverage limits based on rural driving conditions and Jackson County risk factors.

Savings & Discounts on Auto Insurance

Good coverage doesn’t have to break the bank. Klassen Insurance works with multiple carriers to shop rates and apply every discount you qualify for. Ask us about savings for:

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Multi-policy bundles (like home and auto or farm and auto)
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Safe driving history
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Teen drivers with good grades
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Vehicles with anti-theft or safety devices
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Farm vehicle use (if applicable)

Beyond the Car: Other Vehicles Covered

Klassen Insurance covers more than just sedans and SUVs. If it has wheels or a motor, chances are we insure it:

Motorcycles & ATVs

Whether you ride on-road or off, we’ll cover your bike or four-wheeler.

Boats & Watercraft

Summer fun on Heron Lake or Okabena? We can help protect your boat.

RVs & Campers

Whether parked at a Jackson County campground or on the move.

Commercial Auto

Insuring farm trucks, service vehicles, or fleet vans?

Minnesota Auto Insurance FAQs

  • What is the minimum car insurance required in MN?

    Minnesota mandates 30/60/10 liability coverage (that’s $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage), along with PIP and uninsured motorist protection.


  • Is Minnesota a no-fault state?

    Yes. Each driver’s insurance pays their own medical bills after a crash, up to PIP limits—regardless of who caused the accident.

  • Do I need special insurance for farm trucks or classic cars?

    Yes. Farm vehicles may need commercial or specialized policies, and classic or collector cars are best insured through agreed value or limited use programs.


Whether you're driving through Jackson, commuting to Spirit Lake, or hauling grain near Okabena, the right car insurance makes a difference. Klassen Insurance offers fast, local help and quotes from multiple companies—so you get competitive rates and confidence on the road.

Phone:

(507) 847-5300


Office Hours:

Monday–Thursday: 8am–5pm | Friday: 8am–3pm

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