Auto Insurance

Drivers face many risks, from icy roads to wildlife running in front of vehicles. At Sargent County Insurance, we want to cover anything that can and will go wrong. We work with clients one-on-one to identify needs and determine the right policy for you. We ask the right questions and always keep our customers in mind.

Whether you are covering a new teen driver, motorcycles, or high performance cars, Sargent County Insurance has you covered. We work with carriers such as Nationwide, Progressive, and CNA to get you the best price and policy.

Liability Coverage

Making sure you have the correct amount of insurance will ensure that you are covered legally, financially, and personally. Liability coverage will cover bills for property damage and medical payments (sustained by drivers, passengers, and pedestrians) if you are held liable for an accident. It can provide protection against losing your home and savings if you get sued.

Most states require drivers to have at least liability coverage to legally drive.

Comprehensive Coverage

At Sargent County Insurance, we know that damage to your vehicle can happen even when you aren’t behind the wheel. Be prepared for any unexpected damage. Our team will work with you to give you a plan that will keep you protected from damages resulting from theft, vandalism, wildlife, natural disasters, fires and much more.

We also offer other non-collision related services such as roadside assistance and diminishing deductible.

Collision Coverage

With collision coverage, your car will be insured for damage. Whether the damage is a result of an accident with another vehicle or an object, Sargent County Insurance can help keep you covered. Our agents will help determine the correct amount of collision coverage based on the age and year of your car, and your financial situation. We will help you find the coverage that best fits your budget.

We also offer a range of rewards and incentives to cover you even more. These include Accident Forgiveness, GAP Coverage, and Diminishing Deductible. Ask one of our agents if you qualify for enhancements that can help you save money.

Uninsured & Underinsured Motorist Coverage

Not every driver is as responsible and safe as you are. If you are involved in an accident, your insurance policy will typically keep you covered. Unfortunately, if you are involved in an accident with a driver that doesn’t have the correct coverage or no coverage at all, you could end up paying out of pocket for damages, medical bills, and any other expenses.

Uninsured/Underinsured Motorist Coverage gives you piece of mind knowing you will be covered. In cases were the driver at fault can not cover the amount you are legally untitled to for medical bills, you’ll be compensated. In some states, this plan may also cover property damage.

Accident Forgiveness

At Sargent County Insurance, we understand that accidents can’t always be avoided. We won’t let one accident hurt your driving record and cause your rates to skyrocket. With the proper coverage, your first chargeable accident can be forgiven.

Once it is used, you’ll be eligible to receive it again in three years.

Minor Violation Forgiveness

If you receive a traffic citation without the proper coverage, that incident can affect your driving record. Minor Violations Forgiveness can help you avoid damage to your record, receiving points on your license, and keep your rates from going up.

Roadside Assistance

Anything can happen when you are behind the wheel. Whether it be a flat tire, getting locked out of your car, or a major breakdown, we’ll make sure you are prepared for anything. With roadside assistance we will make sure you are never alone behind the wheel.

Ask one of our agents about our basic and plus packages provided through Allied Insurance’s trusted “Sign and Drive” service.

Specialty Auto Insurance

If you are a car enthusiast, at Sargent County Insurance we understand that it isn’t just a hobby. You’ve spent many hours on your vehicle and we want to make sure it is covered. We have a variety of specialty coverage options for collectibles, classic cars, custom-builds, show cars, race cars, and hot rods. We offer protection ranging from spare parts coverage to agreed value coverage. We even offer discounts for collectors with multiple vehicles to cover.


Sargent County Insurance understands that unexpected breakdowns happen. Towing coverage will offer reassurance that you won’t be stuck on the side of the road or stuck paying a costly towing bill.

Rental Reimbursement

At Sargent County Insurance we understand that most people can’t be without their car. If you are stuck without a vehicle after an accident, we offer Rental Reimbursement services so you can still get to work, your family, or anything else that is important to you.

Personal Injury Protection (PIP)

We know that the safety of you and your family is just as important on the road as it is off. We’re here to help make sure you and your family will be insured if anyone sustains any injuries from an auto accident as a driver, passenger, or pedestrian. PIP can also extend to cover lost wages and in the worst case, funeral costs.

Medical Payments Coverage

At Sargent County Insurance, we know that if you or a loved one get into an accident your first priority is to make sure everyone gets the proper medical care. We make it our priority to keep your finances intact. With this plan, most medical expenses will be taken care of for you or your family members who are involved in an accident. You don’t need to worry about being taken care of after an accident, we have you covered.

Please contact Sargent County Insurance & Real Estate to request a quote or for more information about Auto Insurance options available.