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Protect Your Drive

Auto Insurance

Whether you’re commuting through Willmar, driving farm roads outside Olivia, or enjoying the open highways of Minnesota and beyond, the right auto insurance helps keep you covered. Johannes Agency has been helping local drivers protect their vehicles and families since 1992, with options from multiple carriers to match your budget and needs.

What’s Included in Auto Insurance Coverage

Auto policies can be customized, but most drivers in Minnesota and beyond benefit from these common protections:

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Liability Coverage

Covers bodily injury and property damage to others if you’re at fault in an accident.

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Comprehensive Coverage

Protects against theft, vandalism, weather damage, animal collisions, and more.

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Collision Coverage

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

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Uninsured/Underinsured Motorist Coverage

Helps if you’re hit by a driver without enough insurance.

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Towing & Rental Reimbursement

Optional add-ons for extra peace of mind.

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Medical Payments/Personal Injury Protection (PIP)

Covers medical expenses for you and your passengers.

Types of Vehicles We Insure

From everyday cars to recreational vehicles, Johannes Agency offers insurance solutions for nearly every way Minnesotans get around. Our policies cover:

  • Preferred Auto

    Cars, SUVs, and trucks used for personal driving.

  • Motorcycles

    On-road and touring bikes with customized coverage options.

  • Motor Homes

    Protection for RVs, whether used seasonally or full-time.

  • Campers, Travel Trailers & Utility Trailers

    Coverage for your towable home or hauling trailer.

  • Recreational Vehicles

    ATVs, golf carts, mini-bikes, jet skis, and dune buggies.

  • Antique, Custom & Classic Cars

    Specialized protection for collectible or restored vehicles.

Auto Insurance FAQs

Here are answers to common questions Minnesota drivers ask about auto insurance:

  • Do I need collision and comprehensive coverage?

    It depends on your vehicle and how you use it. If you drive a newer or financed car, your lender will likely require both collision and comprehensive coverage. For older vehicles, these coverages may not make financial sense, but they can still provide peace of mind if you rely on your car daily. Our agents will walk you through the costs and benefits so you can make an informed decision.

  • Does auto insurance cover deer collisions?

    Yes—if you carry comprehensive coverage. Deer accidents are especially common on rural roads in Kandiyohi and Renville counties, particularly in fall. Without comprehensive coverage, you’ll be paying out of pocket for repair costs, so many Minnesota drivers choose to include it.

  • What’s the minimum car insurance required in Minnesota?

    Minnesota law requires liability coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. These minimums keep you legal, but they may not be enough to fully protect your finances in the event of a serious accident. Johannes Agency can review your options to help you choose coverage that goes beyond the bare minimum.

  • Can I bundle auto and home insurance?

    Yes. Bundling policies with the same carrier often results in discounts and makes managing your insurance simpler. For many West Central Minnesota families, combining auto, home, and even recreational vehicle insurance is a cost-effective way to increase protection while keeping premiums manageable.