Sioux Falls: 
605-275-4041
Lake Lillian: 
320-664-4444

Home, Auto, Farm, And Small Business Insurance In Sioux Falls, SD & Lake Lillian And Willmar, MN

First State Agency provides personalized service and thorough needs analysis for each customer that walks through our door.

6 Major benefits of working with an independent agent

We work with multiple insurance companies.

We work with different insurance companies that offer a wide variety of coverage options and price points


We are licensed professionals

We are licensed experts and can explain the complexities of insurance in simple terms, helping you make smart decisions


We work for you and will be your advocate

We are your agent and your advocate working with the insurance company on your behalf


We offer a wide variety of insurance solutions

We offer one-stop shopping we can often meet all of your insurance needs as we work with multiple insurance companies


We are your neighborhood friend

As independent agents, we are your neighbors we understand the benefits and challenges of living in our local

First State Agency aims to Provide Expert care and Quality Service.

Owned and operated out of Sioux Falls, South Dakota, and Lake Lillian, Minnesota, First State Agency is committed to providing quality insurance products for individuals and businesses. We have established relationships with over 20 well known providers, which enables us to shop around on behalf of our customers and at a variety of competitive rates. From there, we can create a tailored policy that aligns with your needs, at a price that meets your expectations. 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 combine our strong insurance background and product knowledge to assist both current and future clients manage and plan for all types of potential risk.

Our team of knowledgeable insurance professionals is experienced in creating personal and commercial insurance policies designed to fit your needs. By giving each client the personal attention and customer service they deserve, we continue to earn our clients’ business year in and year out. With First State Agency, our friendly staff will work with you on a one-on-one basis to develop not only the perfect policy, but a lasting relationship.

Services we provide

At First State Agency, with locations in Sioux Falls and St. Lake Lillian, we understand that excellent customer service and reliable guidance are paramount to our clients. Our extensive industry experience enables us to deliver high-quality services that cater to your specific needs.

happy-family-sitting-couch-living-room (1)

Personal Insurance

In SD and MN, First State Agency recognizes the essential role that personal insurance plays in securing your financial well-being. Our services offer a safeguard for your assets, providing financial security and peace of mind.
Know More
business-brainstorming-graph-chart-report-data-concept (1)

Business Insurance

First State Agency in SD and MN offers crucial business insurance to protect your company from financial losses and lawsuits.
Know More
businessman-showing-changes-report (1)

Employee Benefits

At First State Agency in SD and MN, we recognize that employees are a company's most valuable asset. Our comprehensive employee benefits packages are designed to attract, motivate, and retain top talent.
Know More

Protecting your assets since 1965.

100% customer satisfaction

Family owned and operated business.

85+ coverage options to choose from

Click & Learn

Insurance Coverage

Home Insurance Coverage
Renters Insurance Coverage
Auto Insurance Coverage
Business Owner Coverage
Key Person Life Coverage
Fleet Insurance Coverage
Cyber Insurance Coverage

Home Insurance Coverage

Risk Factors

You return from a family vacation to discover thieves have stolen electronic equipment from your media room.

Solution

If your possessions are stolen, damaged or destroyed in an insured loss, your home insurance coverage can help replace them, up to the policy’s stated limits.

Renters Insurance Coverage

Risk Factors

On an especially gusty day, strong winds push a small potted plant off your apartment’s balcony and onto a neighbour who is passing below. He is seriously bruised, and decides to sue.

Solution

Renters liability coverage under renters insurance may help if you’re responsible for an injury to someone outside your household.

Auto Insurance Coverage

Risk Factors

You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.

Solution

Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance.

Business Owner Coverage

Risk Factors

A business owner would require to take various types of insurance coverage to cover each risk. This can cost them more if they take it separately.

Solution

A business owner policy packages all the required coverage a business owner would need. BOPs often include business interruption, property, vehicle, liability, and crime insurance. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage.

Key Person Life Coverage

Risk Factors

A company fails to retain its clients or uphold its reputation based on a particular employee’s skills or name (like a partner at a law firm).

Solution

Key Person Life insurance can be taken to retain clients and uphold their reputation.

Fleet Insurance Coverage

Risk Factors

Your driver meets with accident while driving a company vehicle at night and incurs great damage to your vehicle along with the goods in transit.

Solution

Many policy providers offer coverage for fleet overnight since some businesses might need their vehicles to transport goods within one night.

Cyber Insurance Coverage

Risk Factors

Your office system got hacked, and personally identifiable information was stolen. So you had to hire a public relations firm to restore your brand image.

Solution

Cyber Insurance would cover any loss and pay for hiring a public relations firm.

Testimonials

See what our clients have to say about us

Jake Nordin and First State Agency were great help when a hail storm came through Sioux Falls and damaged one of our vehicles and a part of our house. He was willing to help and made sure that I was getting a fair price for the damage.

Micah N.

Jake Nordin and First State Agency were great help when a hail storm came through Sioux Falls and damaged one of our vehicles and a part of our house. He was willing to help and made sure that I was getting a fair price for the damage.

Justin and Brigette D.

A recent hail storm caused damage to my vehicle. Fortunately, I'm insured with Jake at First State Agency. Within minutes of the damage, Jake actually called with information on the claim process. The products and service you'll find at FSA is second to none. Thank you Jake for saving me time and money.

Tom F.

View More Testimonials

News & Blog

Latest Insight, Insurance Trends

June 10, 2024
The Real Cost of Teen Driving: What Parents Need to Know About Auto Insurance!

Teaching your teen to drive is an accomplishment in your role as a parent. It's exciting yet nerve-wracking as you help them gain the independence they crave while worrying about their safety and the financial implications of having a new driver in the house. One of the most significant impacts comes from auto insurance premiums. […]

Read More
June 7, 2024
Insurance Claims for Home Theft: Ensuring You're Fully Covered

Home theft can be a traumatic experience, shaking your sense of security and causing significant financial loss. Having the proper homeowner's insurance coverage is crucial to mitigate the impact. Here are ten reasons why understanding your policy and ensuring you're fully covered is essential and why you might consider contacting your insurance provider after reading […]

Read More
June 4, 2024
Insurance Considerations for the Food and Beverage Industry.

Operating a business in the food and beverage industry involves a unique set of challenges and risks. The right insurance is critical, from the potential for foodborne illness outbreaks to the need for specialized property coverage. Here are reasons why every food and beverage business owner should review their insurance coverage and consider calling their […]

Read More

Contact First State Agency

In SD and MN, as an independent agency, we are committed to assisting you in finding the most suitable coverage for your needs.
Name(Required)
This field is for validation purposes and should be left unchanged.

Get Professional Consultation

605-275-4041
320-664-4444
2601 South Minnesota Ave, #103 Sioux Falls, SD 57105
450 Lake View St. Lake Lillian, MN 56253

We extend coverage to individuals and businesses in Sioux Falls, SD and St. Lake Lillian, MN

© 2024 First State Agency Designed by Amplispot
phone-handset map-marker linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram Skip to content