Providing solutions
Unique Experience and Knowledge
We pride ourselves on providing trusted insurance solutions backed by decades of experience. As a locally owned and independent insurance agency based in Worthington, MN, Sioux Falls, SD, and Pipestone, MN, we have been committed to protecting what matters most to individuals, families, and businesses for over 90 years.
we've grown alongside our clients
Insuring our local community since 1930
Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way.
We’ve successfully served thousands of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you. Maintain your peace of mind knowing that our insurance professionals have your back.
Personal Service with a Local Touch
We know our community because we’re part of it. Our team builds lasting relationships and tailors coverage to fit your lifestyle and goals.
Access to Top-Rated Carriers
As an independent agency, we shop across multiple insurance providers to find the right coverage at the best value for you.
Experienced Professionals
Our agents have extensive experience and stay up to date with the latest industry changes to give you informed, reliable advice.
Insurance Solutions for Every Need
Insurance Solutions for Every Need
We offer a wide range of personal and commercial insurance products including:
Auto Insurance
Affordable coverage tailored to your driving needs.
Auto Insurance
Affordable coverage tailored to your driving needs.
Home Insurance
Protect your home, possessions, and peace of mind.
Home Insurance
Protect your home, possessions, and peace of mind.
Business Insurance
Safeguard your company from unexpected risks.
Business Insurance
Safeguard your company from unexpected risks.
Health, Dental & Vision
Comprehensive plans for individual and family well-being.
Health, Dental & Vision
Comprehensive plans for individual and family well-being.
Farm & Crop Insurance
Specialized protection for your agricultural operations.
Farm & Crop Insurance
Specialized protection for your agricultural operations.
Renters, Recreational Vehicle, and More
Flexible plans to fit your lifestyle.
Renters, Recreational Vehicle, and More
Flexible plans to fit your lifestyle.
broad range of insurance services
Comprehensive Coverage for Every Stage of Life
We offer a broad range of insurance services designed to meet the diverse needs of our clients. From auto and home insurance to business, health, farm, and life coverage, our experienced professionals work closely with you to provide clarity and confidence in your protection. We represent many top-rated insurance carriers, which allows us to tailor coverage options that align with your goals—no matter your stage in life or size of your business.
Commitment to dependable insurance solutions
A Legacy of Trust and Protection
Since 1930, First State Insurance Agency Southwest, Inc. has been a steadfast partner to individuals, families, and businesses across Minnesota and surrounding states. As a locally owned and operated independent agency, we’ve built our reputation on integrity, personalized service, and deep-rooted community values. Over the decades, we’ve grown alongside our clients—adapting to changing needs while maintaining the same commitment to dependable insurance solutions.
Why Trust us?
Why is our independent insurance agency your best choice?
Being independent means that we find the best companies and products for our customers – not customers to force-fit into proprietary products.
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Features & Services
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Our Agency
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Captive Agent
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Online & 1-800 Companies
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Access to multiple companies and wide range of products
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Easy switching from company to company without hassle
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Unbiased and objective advice
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Tries to sell & support only their one company
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Tries to sell & support only their one company
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Claims assistance and advocacy
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Adjusters are often exclusive to the one company
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No help: You vs. adjuster
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Policy service from the same person you bought from
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Often passed off call center
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You'll likely never talk to the same person twice
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Let's Get Started
Serving Five States
Serving you in Minnesota, Iowa, South Dakota, Nebraska, and Wisconsin! We can also write insurance in Florida, Michigan, and Missouri!
Worthington
Call/Text Us
507-376-3950
Sioux Falls
Call/Text Us
605-274-2545
Pipestone
Call/Text Us
507-203-6784
Online Now
Get a Quote
Appointment
Fill Out form
Google Rating
5.0
Reviews from First State Insurance Agency clients.
The best insurance agency, according to those who matter: Our Customers.
Our carriers
Proudly Representing Leading Insurance Carriers
We’re thrilled to welcome the Central States team to the First State family!
Officially Acquired Central States Insurance
We’re proud to announce that First State Insurance Agency Southwest, Inc. has officially acquired Central States Insurance, a respected Sioux Falls–based agency.
This strategic expansion extends our footprint across South Dakota and into the Pipestone, MN market, while continuing our mission to serve clients with personal, reliable insurance solutions.
Clients of Central States can now access First State’s broader carrier network for auto, home, commercial, and specialty insurance—while continuing to work with the same familiar faces.
“This acquisition is about growing the right way—with people and values that align with ours,”
FAQs
What types of insurance does First State Insurance offer?
First State Insurance Agency Southwest, Inc. provides personal and commercial coverage under one roof, including auto, home, renters, farm, crop, recreational vehicle, life, health, and flood insurance for individuals and families, plus business owners, commercial auto, workers’ compensation, trucking, and contractors’ coverage for businesses. This lets one agency handle all of your policies together.
What does it mean that First State is an independent agency?
As an independent agency, First State Insurance Agency is not tied to a single insurer. Our agents shop across many top-rated carriers, such as Progressive, Nationwide, Acuity, SECURA, GEICO, Grinnell, Foremost, Dairyland, National General, Chubb, The Hartford, and many others, and match you to the company and product that fit your situation.
How do I get a quote from First State Insurance?
You can request a free quote online through the Get a Quote form, or call or text the Worthington office at 507-376-3950, the Sioux Falls office at 605-274-2545, or the Pipestone office at 507-203-6784.
How do I choose the right coverage for my needs?
An agent reviews your situation, explains your options, and compares policies across multiple carriers so you can see how each choice affects both your coverage and your budget before you decide. Our goal is to provide you with a policy tailored to your life stage, household, or business rather than a one-size product.
Does First State help me if I have a claim?
Yes. As an independent agency, First State acts as your advocate during the claims process rather than leaving you to deal with an insurer’s adjuster on your own. You can start a claim by contacting your agent directly, an insurer’s adjuster will take over but if there are any other questions along the way we are here to help.
How do I make a payment on my policy?
You can make a payment through the Make a Payment link on the site, which connects you to your carrier’s payment system. Our agent can walk you through it if you are unsure which carrier holds your policy. You can also mail your payment to the insurer or visit the insurer’s website directly or by an app.
How long has First State Insurance been in business?
First State Insurance Agency Southwest has served the region since 1930, more than 90 years, as a locally owned and operated independent agency. It recently expanded in 2025 by acquiring Central States Insurance, extending its reach across South Dakota and into Pipestone, MN.
Which states does First State Insurance Agency write policies in?
We primarily write coverage in Minnesota, South Dakota, Iowa, Nebraska, and Wisconsin, and can also write policies in Michigan, and Missouri on request. Our offices are located in Worthington, MN, Sioux Falls, SD, and Pipestone, MN.
Get a Free Quote Today
Let’s find the perfect policy for you.
Ready to protect what matters most? Whether you’re looking for auto, home, business, or life insurance, our experienced team is here to guide you every step of the way. At First State Insurance Agency, we make the quoting process simple, fast, and tailored to your unique needs. There’s no obligation—just honest advice and competitive options from trusted carriers. Start your free quote today and experience the personalized service you deserve.