Auto Insurance · Minnetonka, MN
If you drive in Minnetonka, you deserve an agent who actually shops the market on your behalf. As an independent agency serving Hennepin County and the entire Twin Cities metro, we compare rates across multiple A-rated carriers to find the best auto insurance for your household — not just the first policy that fits.
What's Covered
If you drive in Minnetonka, you deserve an agent who actually shops the market on your behalf. As an independent agency serving Hennepin County and the entire Twin Cities metro, we compare rates across multiple A-rated carriers to find the best auto insurance for your household — not just the first policy that fits.
Dayton Insurance Agency serves clients throughout Minnetonka and Hennepin County. A western suburb with a blend of corporate campuses, upscale residential areas, and proximity to lake minnetonka — one of the most desirable lake areas in the metro, Minnetonka is a community we know well. Whether you're looking for competitive rates or need help after a claim, we're available by phone, text, or email — Mon–Fri 9–5.
Required in Minnesota. Covers bodily injury and property damage you cause to others. State minimums are $30,000/$60,000 bodily injury and $10,000 property damage — but most drivers should carry higher limits.
Pays to repair your vehicle after a collision regardless of fault. Required if your car is financed. We help you choose the right deductible for your situation.
Covers theft, weather damage, hitting an animal, and other non-collision events. Minnesota winters, hailstorms, and deer make this especially important.
Protects you when an at-fault driver doesn't have enough coverage. Critical in Minnesota where uninsured drivers are a real concern.
Minnesota is a no-fault state. Your PIP coverage pays your medical bills after any accident regardless of fault. Minimums start at $40,000.
Optional but inexpensive add-ons that prevent a difficult situation from getting worse — especially during Minnesota winters.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
The required coverages are the same statewide, but your specific situation — commute distance, garage vs. street parking, your vehicles — affects which optional coverages make the most sense. We review all of it.
Often yes — because we compare multiple carriers. Rates vary significantly between companies for the same driver profile. The best way to find out is to let us run the comparison.
Most auto quotes come back within a few hours. Simple household quotes are often same-day. Call or text us and we'll get started right away.
Yes. When you have a claim, we help you through the process — documenting the incident, contacting the carrier, and following up until it's resolved.
