Business Details
25 Years
experience
Your Trusted Insurance Partner in Elk River, MN
North Central Insurance has been serving Minnesota communities since 2001 with personalized insurance solutions that protect what matters most to our clients. As an independent agency representing multiple top-rated carriers, we combine competitive pricing with local expertise across auto, home, business, health, and life insurance products. Our experienced agents take time to understand each client's unique needs, ensuring comprehensive coverage tailored to individual circumstances while maintaining transparency and ethical practices.With offices in Elk River and service areas spanning Zimmerman, Big Lake, and Princeton, we deliver one-on-one support that prioritizes client education and long-term financial protection. Our commitment to exceptional service has made us a trusted partner for families and businesses across central Minnesota.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Health Insurance
Life Insurance
Renters Insurance
RV Insurance
Snowmobile Insurance
ATV Insurance
Boat Insurance
Details
- Year established: 2001
Highlights and features
- We are independent insurance agents representing multiple top-rated carriers
- Our team offers personalized service with local market expertise in Minnesota
- We provide one-on-one support that prioritizes client education and transparency
- We offer competitive rates through partnerships with multiple insurance providers
- Our comprehensive coverage solutions protect every aspect of your life and business
Services
Auto Insurance
Our auto insurance policies protect Minnesota drivers with comprehensive coverage options that exceed minimum state requirements. We offer liability protection, collision and comprehensive coverage, uninsured motorist protection, roadside assistance, and rental reimbursement. Our agents help clients navigate multi-car discounts, safe driver rewards, and bundled policies with home insurance. With access to multiple carriers, we ensure competitive rates while maintaining superior protection for vehicles ranging from personal cars to commercial trucks.
Homeowners Insurance
We provide customized homeowners insurance solutions for primary residences, vacation homes, and investment properties across central Minnesota. Our policies cover dwelling structures, personal property, liability protection, and loss of use expenses. Optional flood, sump pump, and sewer backup coverage ensure comprehensive protection. We also offer specialized policies for renters, landlords, and condominium owners while maintaining competitive pricing through our network of top-rated insurance carriers.
Business Insurance
Our business insurance solutions protect Minnesota companies with tailored commercial property, liability, and workers compensation coverage. We offer business owners policies, professional liability insurance, cyber liability protection, and umbrella policies that adapt to growing businesses. With expertise across industries including construction, retail, and professional services, we help businesses manage risks while maintaining compliance with state regulations and contractual obligations.
Life Insurance
We offer various life insurance options including term, whole, universal, and final expense policies to secure families' financial futures. Our agents help clients understand policy benefits, coverage amounts, and investment components while considering estate planning and income replacement needs. We work with multiple carriers to provide flexible premium options and coverage that evolves with clients' life circumstances.
Health Insurance
Our health insurance services include individual, family, Medicare, and short-term medical plans tailored to clients' healthcare needs. We provide Medicare Advantage and Medigap guidance, prescription drug plan comparisons, and enrollment assistance during open enrollment periods. Our licensed agents help seniors and families navigate plan options while focusing on affordability and comprehensive medical coverage.
Questions
What types of insurance do you offer?
We offer auto, home, business, health, life, renters, RV, snowmobile, ATV, and boat insurance for individuals and businesses in Minnesota.
How can I get a free insurance quote?
Request a free quote online through our website or call us directly at 763-241-7900 to speak with one of our insurance specialists.
Do you offer insurance for specialty vehicles?
Yes, we provide coverage for recreational vehicles including RVs, snowmobiles, ATVs, boats, and motorcycles.
Why use an independent insurance agency?
As independent agents, we compare policies across multiple carriers to find you the best coverage at competitive rates.
What commercial insurance options do you provide?
We offer commercial auto, property, general liability, workers compensation, and business owners policies for Minnesota businesses.
Do you have special insurance for new drivers?
Yes, we help students and new drivers obtain affordable auto insurance with options like multi-car discounts and safe driver rewards.
Videos
Reviews (7)
Jeff Schneider
Jun 12, 2022
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Dave Stewart at North Central Insurance is very knowledgeable and honest. He won't sell you what you don't need, but more importantly, will be diligent enough to make sure you have what you do need. I highly recommend him.
Scott Breuer
Jun 10, 2022
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Dave and Sadie do a great job. They are very experienced, really understand the insurance business, look after the clients best interest, and want to make sure you have the right coverage. We work with them personally and have referred a number of clients to them and all have been very happy.
Mike Cherniy
May 24, 2022
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Great service. had a pleasure of working with Alex. really easy to work with as well as provide all the information I needed
Whitney White
May 10, 2020
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When I needed to buy car insurance for myself for the first time I was referred to Christie. My friend said that North Central (and Christie) were the best out there, and he was right. I've been with North Central for a decade now and I've gotten family to switch to them as well. Their phone number is the only business number I have memorized, and for a good reason! Any time I need help (like the time our car blew up) someone has been instantly on the line to answer my questions. Go with North Central (: you'll be so grateful, just like my family and I!
Jeff Etzel
Oct 25, 2019
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Luke Bauman is my agent here in Delano, MN and he is great at communication and looking out for my personal and business insurance needs. He has saved me money on several occasions by shopping around with his brokerage and informs me when there are some changed in the wind in regards to my policies, I highly recommend him and I have shared his contact info and my experiences with Luke and I believe he has received some business! THANKS LUKE!
Kim Petrich
Apr 17, 2019
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I have been a customer with North Central for quite a few years now. Christie does such a good job. And Paul helped me ALOT when I bought my first new car. He was thorough and gave me advise on things I hadn't even considered. It is so great to find a group of people who love what they do and have passion behind it. THANKS SO MUCH!
Julie Swenson
Mar 21, 2019
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Christie at NCIA has handled my insurance needs from personal to business for over 8 years. She is extremely reliable and educated with many different types of insurance! I wouldn't hesitate to recommend her for any insurance needs you may have. Christie is awesome!
