Business Details
50+ Years
experience
Your Trusted Minnesota Insurance Partner Since 1934
Citizens Insurance Agency has been serving Minnesota residents since 1934, providing tailored insurance solutions for personal, commercial, and agricultural needs. As an independent agency, we offer access to multiple insurance carriers to ensure clients receive optimal coverage options. Our team of experienced agents prioritizes community relationships and personalized service, combining local expertise with comprehensive insurance knowledge. We maintain a commitment to transparency, honesty, and long-term client partnerships while adapting to evolving insurance markets and client requirements. 
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Farm Insurance
High Risk Insurance
Life Insurance
Recreational Vehicle Insurance
Umbrella Coverage
Details
- Year established: 1934
Highlights and features
- We offer 89 years of continuous insurance expertise in Minnesota markets
- Our independent agency status provides access to multiple insurance carriers
- Specialized coverage options for unique high-risk insurance needs
- Community-focused approach with locally-based agents since 1934
- Comprehensive agricultural insurance solutions for Minnesota farms
What people say
Knowledgeable agents
Personalized service
Community commitment
Long-term relationships
Expert guidance
Services
Personal Insurance
Protecting personal assets through customized auto, home, and life insurance policies. Our agents help clients select appropriate coverage levels for vehicles, residences, and valuable possessions. We specialize in finding solutions for standard and high-risk personal insurance needs.
Commercial Insurance
Comprehensive coverage for Minnesota businesses including property insurance, liability protection, workers compensation, and specialized commercial policies. We serve small family-owned operations through large corporations with tailored risk management solutions.
Agricultural Insurance
Specialized insurance products for agricultural operations including crop insurance, livestock protection, equipment coverage, and liability policies. Our agents understand Minnesota's farming challenges and provide risk management solutions for both small family farms and large commercial operations.
High Risk Insurance
Insurance solutions for unique or complex risk profiles that standard carriers may decline. Our independent agency status allows access to specialized markets for high-risk auto, commercial, and event insurance requirements.
Recreational Insurance
Protection for recreational vehicles including ATVs, motorcycles, watercraft, and snowmobiles. We offer tailored policies that address the specific risks associated with recreational vehicle ownership and usage in Minnesota.
People
Scott A. Decker
President
Leading Citizens Insurance Agency since 1998, Scott brings over 25 years of insurance expertise. He focuses on maintaining the agency's community commitment while ensuring modern insurance solutions for clients.
Joyce L. Cripps
Insurance Agent
Certified Insurance Counselor with CIC and CISR designations since 2010. Joyce specializes in personalized insurance solutions while maintaining long-term client relationships in the Hutchinson community.
Betty Davis
Insurance Agent
Experienced insurance professional since 2013, Betty combines administrative expertise with personalized client service. She focuses on making insurance solutions accessible and understandable for local clients.
Juli Baumetz
Accounting Specialist
Supporting the agency's financial operations since 2016, Juli ensures efficient policy administration while maintaining the high service standards that define Citizens Insurance Agency's community approach.
Questions
What types of insurance does Citizens Insurance Agency offer?
We provide personal insurance (auto, home, life), commercial insurance (property, liability, workers comp), agricultural insurance (farm, livestock), and specialty high-risk policies.
Do you serve businesses outside Minnesota?
Our primary service area is Minnesota. We recommend contacting our office directly to discuss specific commercial insurance needs that may extend beyond state boundaries.
How do I obtain an insurance quote?
Request quotes online through our website or contact our Hutchinson office directly. Our agents will help determine appropriate coverage options and pricing.
What makes your agency different from online insurers?
We offer personalized service from local agents who understand Minnesota-specific risks, provide tailored insurance solutions, and maintain long-term client relationships beyond policy sales.
Do you offer specialized farm insurance coverage?
Yes, we provide comprehensive agricultural insurance including crop protection, livestock coverage, equipment insurance, and liability protection tailored to Minnesota farming operations.
