Prokop Insurance Agency
Plymouth, Minneapolis, St. Paul and Minnesota Insurance Pros
Auto Insurance in Edina, MN
Prokop Insurance Agency – Your Local Auto Insurance Team You Can Count On
If you’re looking for auto insurance in Edina, MN, you want more than just a policy. You want clear answers, honest rates, and someone who actually picks up the phone when you need help. That’s exactly what you get with Prokop Insurance Agency.
We’re an independent insurance agency in Edina focused on finding the right coverage for your situation. We speak real language (no confusing insurance jargon) and work with you to protect what matters most—your car, your family’s safety, and your financial peace of mind.
We serve all of Edina, including Downtown Edina, Southdale, Grandview Square, the Edina Country Club Area, Tracy Avenue Neighborhood, Valley View, Cornelia Hills, and Braemar Hills.
Why Auto Insurance Matters Here in Edina, MN
Driving in Edina is part of everyday life. You might be commuting into Minneapolis or heading to work around West Metro. With winter roads, unexpected fender‑benders, and airbags that deploy in seconds, having the right insurance isn’t optional—it’s essential.
Minnesota requires minimum car insurance coverage, and that includes protection like liability, personal injury protection (PIP), and uninsured motorist coverage. But many drivers need more than the bare minimum to stay protected. That’s where a trusted local agent helps.
How We Help You Save Money
Every driver’s situation is different, but these are some ways we help you pay less without skimping on protection:
Discounts for Edina Drivers:
- Safe Driver Discount
- Multi‑Policy (Bundle) Discount
- Good Student Discount (if you have teen drivers)
- Anti‑Theft Device Discount
- Low Mileage Discount
Many drivers miss out on these because they never ask. We’ll review all discounts with you. Free quotes include a full breakdown of available savings.
What Auto Insurance Covers
Here are the core types of coverage you should know about:
Liability Coverage
This pays for damage you cause to others in an accident.
It’s required in Minnesota.
Collision Coverage
Covers repair costs if your car hits another vehicle or object.
Comprehensive Coverage
Protects you from theft, vandalism, fire, and weather‑related damage.
Personal Injury Protection (PIP)
Covers medical expenses for you and passengers, no matter who is at fault.
Uninsured/Underinsured Motorist
Protects you if the other driver doesn’t have enough insurance.
Optional Add‑Ons
- Roadside Assistance
- Rental Car Coverage
- Accident Forgiveness
- New Vehicle Replacement
Most competitors list these basics, but we take extra time to explain what each one means for you and your budget.
Auto Insurance Services We Provide
At Prokop Insurance Agency, we go beyond the basics:
Primary Auto Coverage
For personal vehicles, family cars, and commuter vehicles.
Commercial Vehicle Insurance
For business cars, vans, and on‑the‑road service vehicles.
SR‑22 & High‑Risk Insurance
If you need an SR‑22 filing or have a history that makes standard coverage tough to get, we’ll walk you through your options.
Related Insurance Options
The right coverage often involves more than auto insurance. We also help with:
- Homeowners Insurance
- Renters Insurance
- Motorcycle Insurance
- RV & Boat Insurance
- Umbrella Liability Insurance
- Life Insurance (for added protection)
Offering these related services in the same place means we can help you build smart, cost‑effective bundles.
What Makes Prokop Insurance Agency Different
There are plenty of insurance options in Edina—agents that represent a single company and ones that act as brokers for many carriers. We fit in the independent agency category, which means we don’t represent just one company.
Here’s how that helps you:
Options From Top Carriers
We compare policies from numerous insurance carriers to find the right combination of price and coverage for you. Compared to single‑company agents, that broad view gives you more control.
People, Not Bots
Have a question? Want help after an accident? We’re available by phone, email, or in person.
Honest Pricing Comparisons
We show you what coverage costs and why it matters—no confusing rate quotes with hidden fees.
Local Reviews & Reputation
We’re licensed in Minnesota and proud of the positive feedback we receive from clients in communities like Southdale, Tracy Avenue Neighborhood, and Braemar Hills.
Common Mistakes Drivers Make (And How to Avoid Them)
Thinking low price is the only priority.
Cheapest isn’t always best if it leaves you underinsured.
Skipping uninsured motorist coverage.
More drivers than ever are on the road without sufficient insurance.
Not reviewing your policy yearly.
Your needs change—so should your coverage.
When you work with us, we help you avoid these traps and make sure your coverage keeps up with your life.
Local Commitment
We’re proud to serve drivers across Edina, including Downtown Edina, Southdale, Grandview Square, and nearby neighborhoods. Our goal is to make insurance make sense and keep you protected on the road.
How to Get Started
Getting your auto insurance started with us is simple:
- Call or Email Us for a free, no‑obligation quote.
- Tell us about your vehicles and driving habits.
- Compare coverage options and prices in plain language.
- Pick the policy that fits your life and budget.
This process is easy and friendly. We stick with you, even after the policy is in place.
Frequently Asked Questions
How much does auto insurance cost in Edina, MN?
Rates vary by driver, vehicle, age, and driving record. On average, people in Edina see competitive rates compared to the rest of Minnesota, but your individual quote will be specific to your situation. Comparing multiple carriers gives you the best chance at a fair price.
What minimum coverage is required in Minnesota?
Minnesota requires liability, personal injury protection (PIP), and uninsured motorist coverage. We’ll explain exactly what those mean for you.
Can I bundle my auto policy with other insurance?
Yes. Bundling with home or renters insurance often reduces your total cost.
Do I really need comprehensive and collision coverage?
If your car has higher value or you want protection from weather or theft, yes. For older vehicles, sometimes liability‑only makes sense—let’s talk through it.
What discounts are available for Edina drivers?
Safe driving, multi‑policy, good student, and anti‑theft device discounts are common. We check all available options when quoting your coverage.
What happens if I get into an accident?
We walk you through filing your claim and communicate with the insurance company on your behalf if you want that help.
How often should I review my auto insurance?
At least once a year or after major changes (new car, teen driver, move, significant commute change).