The top-rated truck insurance agent in Lakeville, Minnesota is Jill Henning - State Farm Insurance Agent, rated 5.0 stars across 471 reviews. Other highly rated options include Pete Peterson - State Farm Insurance Agent, Andrew Wagner - State Farm Insurance Agent, Insuring Minnesota. This directory lists 20 truck insurance agents serving Lakeville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jill Henning - State Farm Insurance Agent | 9057 203rd St W Suite 100 | (952) 895-9596 |
| 2 | Pete Peterson - State Farm Insurance Agent | 7702 160th St W | (952) 683-9933 |
| 3 | Andrew Wagner - State Farm Insurance Agent | 10639 165th St W | (952) 898-9777 |
| 4 | Insuring Minnesota | 20960 Holyoke Ave | (952) 222-8073 |
| 5 | Robert Joswiak - State Farm Insurance Agent | 20838 Holyoke Ave | (952) 469-2285 |
| 6 | Miller-Hartwig Insurance | 20960 Holyoke Ave | (952) 469-5502 |
| 7 | Randy Fulsaas Insurance | 20960 Holyoke Ave | (952) 469-0411 |
| 8 | Farmers Insurance - John Yoder | 20520 Keokuk Ave Ste Ll50 | (952) 777-7100 |
| 9 | Farmers Insurance - Robert Curtis | 19950 Dodd Blvd STE 104 | (952) 985-9800 |
| 10 | Radle Insurance Services | 10609 165th St W | (952) 435-3622 |
Jill Henning - State Farm Insurance Agent serves the Lakeville, MN area and surrounding Dakota County, specializing in truck insurance coverage. The agency works with local trucking professionals to provide policies that address commercial vehicle risks, including cargo protection and equipment liability. Agents review each client’s operational needs to help select appropriate limits and deductibles. The office handles physical damage coverage and non-trucking liability for owner-operators, ensuring drivers and their rigs are protected for both on-the-job and personal use.
Pete Peterson - State Farm Insurance Agent in Lakeville, MN provides a range of truck insurance services, including liability, physical damage, and cargo coverage for commercial vehicles. The agency also offers maintenance plan options to help policyholders manage regular vehicle upkeep and reduce long-term risks. Serving the local area, this company works with owners of various property types such as single-family homes, apartments, retail spaces, and restaurants.
Andrew Wagner’s agency serves commercial truck operators and local business owners across the Lakeville area, offering tailored insurance policies for cargo, liability, and physical damage coverage. The agency works to protect the assets and daily operations of independent drivers and fleet managers alike. Additional personal lines such as auto and home insurance are also available to address broader coverage needs. The agency extends its truck insurance and general risk management services to nearby communities throughout the southern Twin Cities metro region, including Farmington.
Insuring Minnesota serves Lakeville and surrounding communities in the southern metro area, helping clients secure coverage for commercial trucks and fleets. The agency handles policies tailored to local road conditions and the regulations facing regional trucking operations. It guides drivers through the distinct insurance requirements for hauling goods across Minnesota. For a typical job, the office begins with a review of business routes and cargo types to match coverage with specific risks.
For trucking operations, insurance solutions typically separate regular business auto policies from one-time cargo or non-trucking liability coverage. Robert Joswiak - State Farm Insurance Agent in Lakeville, MN assesses fleet coverage needs, including physical damage protection and liability required by commercial carriers. These policies address the distinct exposures of hauling freight across Minnesota roads. Service for clients is available on an as-needed basis, arranged when independent or fleet owner-operators seek updated quotes or endorsements.
Miller-Hartwig Insurance provides truck insurance agent services in the Lakeville, Minnesota area, specializing in policies for commercial vehicles and fleet operators. It also assists local trucking businesses with general coverage needs, helping them comply with industry requirements and protect their assets. Seasonal weather and road conditions in this region create specific exposure concerns, which the agency addresses by reviewing policies for appropriate cargo and liability protection during winter operations.
Every spring, Lakeville truck operators prepare their fleets for increased road demands, and Randy Fulsaas Insurance provides the necessary liability and cargo coverage to meet those seasonal requirements. As a local truck insurance agent, this company helps owner-operators and small fleets navigate the specific regulatory obligations common across Minnesota highways. Policies are tailored to cover equipment, freight, and business interruption risks. The process begins with a thorough on-site inspection of each vehicle’s condition and usage records.
Farmers Insurance - John Yoder in Lakeville, MN works with businesses to provide essential commercial coverage for their vehicles and fleets. The agency specializes in truck insurance and can add tailored endorsements for cargo liability, non-owned trailer coverage, and rental reimbursement. These add-ons help protect companies against specific risks encountered during regional or over-the-road hauling. The agent serves a variety of commercial sectors, including local office complexes, warehouse distribution centers, and food service operations that rely on both light and heavy trucks for daily deliveries.
Farmers Insurance - Robert Curtis in Lakeville, MN, serves residential clients with personal auto and truck insurance, then extends its expertise to commercial coverage for local trucking operations. Agents in this area typically assess fleet size, cargo types, and route risks to match policies for owner-operators and small haulers. The office provides tailored solutions for semi trucks, delivery vans, and heavy equipment, meeting Lakeville and surrounding community needs. Agents schedule follow-up discussions to adjust coverage between regular visits as business requirements change.
Radle Insurance Services is known for providing tailored truck insurance solutions to commercial operators throughout Lakeville, Minnesota. The agency specializes in covering heavy-duty trucks, semi-trailers, and local delivery fleets, helping drivers meet state and federal compliance requirements with appropriate liability and cargo policies. Its standard services include custom policy evaluations, annual coverage reviews, and claims assistance for regional long-haul routes. As an added specialty, Radle Insurance Services offers comprehensive non-trucking use liability coverage for when a vehicle is operated without a load.
What Does a a Truck Insurance Agent in Lakeville Cost?
Truck insurance costs in Minnesota vary widely. A basic liability policy for a single truck can start around 3,000 to 5,000 dollars per year. Full coverage including cargo and physical damage often ranges from 8,000 to 15,000 dollars annually. Factors like driving history, cargo type, and annual mileage affect the premium. This is general information, not insurance advice.
About truck insurance agents in Lakeville
Truck insurance agents in Lakeville Minnesota help owner-operators and fleets find coverage that meets state requirements. Minnesota law mandates minimum liability limits of 30/60/25 for commercial trucks. Local agents can also advise on cargo insurance and physical damage coverage for the harsh winter driving conditions common in Dakota County.
Frequently Asked Questions
What are the minimum insurance requirements for a truck in Minnesota?
Minnesota requires commercial trucks to have liability coverage of at least 30/60/25. This means 30,000 dollars per person for bodily injury, 60,000 dollars per accident, and 25,000 dollars for property damage. Higher limits are often needed for interstate hauling.
Do I need a specific type of insurance for hauling freight in Lakeville?
Yes. If you haul goods for hire, you need motor carrier cargo insurance. This covers the value of the freight in your truck. Many Lakeville agents offer policies that meet the 5,000 dollar minimum cargo coverage required by the Minnesota Department of Transportation.
How does winter weather affect my truck insurance rates in Lakeville?
Winter weather in Minnesota increases the risk of accidents and claims. Insurers may adjust rates based on your driving record and the type of cargo. Some policies include coverage for snow and ice damage, which is important for trucks operating in Lakeville from November through March.
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