Click here to contact us for a review of your coverages and costs. You may pay online.

Click here to contact us and we will walk with you during the claim process.  You can also make a claim online.

We provide the highest quality insurance plans with the lowest possible rates.  We would be excited to read your reviews!

Real people who KNOW INSURANCE and TRULY CARE about our clients!

#1 Insurance Agency for many in Central Minnesota

Insurance Avenues

One Agency, Three Locations, All Lines of Insurance

We are a full-service independent insurance agency located in Minnesota. We offer a wide range of insurance competitive products from a great selection of insurance companies! This gives us the ability to offer excellent rates for everything you need, while advising you every step of the way!

  • 100% Secure Services

  • All lines of Insurance

  • Experience you can count on!

Have questions? Need a quote? Let’s see how we can help!

We service all of Minnesota and specialize in the following locations:







Little Falls

Cold Spring


St. Stephen


Sauk Rapids


St. Joseph

Waite Park




Ask about Wisconsin, North Dakota, Arizona, & Michigan

* cities in color represent locations we have an office

Highest Quality Insurance Plans & Services

Insurance Services

Great Rates!
Monthly Payments Available
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Why choose us?

We work hard to find the best rate through all the carriers we represent.

Having a local agent can help you choose the best body and glass shops, etc.

Representing many carriers means you never have to leave us!

Pay less when you purchase a policy through an independent agent rather than the carrier.

Working Steps

How Does Insurance Work?

Choose Policy

We do the shopping FOR you, comparing many companies to find the BEST RATES!


We work with you the way YOU want. Meet in-person? By phone? Email? Text? Online? We are flexible! Many payment plans are available too.

Meet With Agent

We continue to work hard for you! We keep an eye on your policies over time, and communicate with you about rates, important aspects of your policy, or new options or changes that may arise. We are a top tier servicing team!

Get Your Insurance

Congratulations – You are part of the Insurance Avenues family and our team is here to assist! Contact us for anything “Insurance”! Excellent ongoing customer service is our top priority!

Google Reviews

Our Testimonials

Lisa Schmidt is very kind warm hearted, We appreciate everything you do for the local Mississippi Heights Elementary. Thank You!

Heather Meeks

Great service

Juan Solis

Best insurance company!

Sakura Kamiki

The nicest people work here, and they are FANTASTIC at finding the best fit for whatever kind of insurance you need for your situation.

Amy Lashinski

I have my homeowners insurance through Schmidt Insurance Agency. My coverage needs were a little abnormal but everyone at the agency worked together to get me the coverage I need that makes sense and is affordable. Highly recommend!

Trav Feldewerd

I have both my auto insurance and renters insurance brokerage and managed by Schmidt Insurance Agency and have been a client of theirs for over five years. The entire Schmidt team does a fantastic job of tailoring their customer service to the unique needs of their clients and are always knowledgeable, accessible, timely in their responses and always very friendly. I’ve worked with both Jessica and Pat and they have always delivered in the best way possible! I highly recommend.

Michael Swanson