Auto Insurance 

Covering motorists across sioux falls

From accidents caused by slippery roadways to parking lot fender benders, the risks facing drivers are many. We provide motorists in Sioux Falls, Brandon, Tea, and the surrounding areas in South Dakota with car insurance coverages.

At McKinneyOlson Insurance, we take a consultative approach to insurance. Whether you’re a new driver or seasoned veteran, we work with our clients one-on-one to determine the right policy based on your needs and exposures.


Liability, Collision, Accident Forgiveness & More

By working closely with our clients to identify risks, we are able to match them with the right coverages. In addition to insurance for motorcycles and non-standard cars, we also offer standard products. You can find these products listed under the column to your right. We also offer commercial auto coverage for clients looking to protect their business vehicles and drivers. Get an auto insurance quote today!


Keeping Our Clients Protected

At McKinneyOlson Insurance, we take your auto insurance seriously. Our team will ask all the important questions to put the right policy in place. We dedicate ourselves to providing great customer service and always have our customers’ interests in mind.​ We are also there to answer any of your questions or concerns.

Contact us at your convenience to learn more about our products and services and get a free car insurance quote.

Liability Coverage

If an accident happens, having the right amount of auto insurance can benefit you personally, financially, and legally. Liability Coverage can insure you if you’re held responsible for a car accident. It does this by having any medical payments for injuries to drivers, passengers, and pedestrians covered. It also covers bills for property damage.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you. Liability Coverage provides critical protection against the loss of your home, savings, and income.​ Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough auto insurance to keep all of your assets protected and not all auto policies are the same. Contact our professional staff at McKinneyOlson Insurance today for more info about what Liability Coverage can do for you.

Comprehensive Coverage

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from McKinneyOlson Insurance, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage. It also insures against expenses that result from something other than a collision.

At McKinneyOlson Insurance, we know that life is full of surprises, and with Comprehensive Coverage prepares you for all of them. Our team of asset protection specialists prepare a plan that works for you with a variety of features to insure your car against damages or loss from:

  • Theft or Larceny
  • Vandalism and Glass Breakage
  • Fire Damage
  • Hail, Water, or Flood Damage
  • Hitting a Deer or Other Animal
  • Damage from Falling or Flying Objects

Other Non-Collision Related Services

In addition to Comprehensive, McKinneyOlson Insurance also offers other non-collision-oriented services for you and your car. Services like Roadside Assistance and Diminishing Deductible.

  • Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
  • Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.
Collision Coverage

Bumper-to-Bumper Protection for Your Auto.

For most drivers, a car is more than just a means of transportation – it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from McKinneyOlson Insurance, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or object.

How Much Collision Coverage is Needed?

Different drivers require different coverage options for their Auto Insurance policies. Finding the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from McKinneyOlson Insurance can help you find an insurance option that best fits your budget.

In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.

  • Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
  • GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
  • Accident Forgiveness ensures that your rates won’t increase because of a single accident.

Call McKinneyOlson Insurance today to see if you qualify for Auto Insurance enhancements that can help save you money.

Uninsured & Underinsured Motorist Coverage

Not Every Driver is a Responsible Driver.

As a safe driver, obeying street signs and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your auto insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you. So, if you get into an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or other expenses with money from your own pocket.

It’s Important to Prepare for Everything

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will get covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount that you are legally entitled to. This is in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact McKinneyOlson Insurance to find out how you can be prepared for any situation on the road.

Minor Violation Forgiveness

Everyone Deserves Another Chance.

We know that if you’re a safe driver, you probably take every precaution possible when behind the wheel. But if you receive a citation without the right coverage, that one minor violation could affect your good driving record.

At McKinneyOlson Insurance, we can help you receive a proper coverage option, like Minor Violation Forgiveness. This coverage option allows you to avoid accidental points on your license.

With Minor Violation Forgiveness, if you receive a minor traffic citation, you’ll be assured that your rates won’t increase. Like Accident Forgiveness, this applies only once per policy, and the coverage renews after three years of the most recent minor violation.

If you want to find out more about how you can protect your reputation as a safe driver, contact McKinneyOlson Insurance today.

24-Hour Customer Service

Round-the-Clock Service for Your Convenience.

At McKinneyOlson Insurance, we strive for quality service with your convenience in mind. By offering 24/7/365 support, we’re here to serve you – when you need us most. Since accidents and non-collision oriented situations can fall outside of normal business hours, we’ve partnered with Allied Insurance’s On Your Side® service center to provide you with extended hours in case you need assistance.

For claims, accidents, billing information, and more, you can contact an Allied representative 24 hours a day, seven days a week at 800-282-1446.


Help When You Need It Most.

Your car gives you the freedom to take on the open road. Wherever you’re headed, your adventures can be more enjoyable knowing that help is right around the corner with the convenience of Towing services.

In the event of an unexpected breakdown, the last place you’ll want to be is stranded on the side of the road, or stuck with costly towing fees. By adding optional Towing coverage to your Auto Insurance policy, you’ll get the peace of mind knowing that no matter where your journeys take you, you’ll never be alone.

Beyond our Towing coverage, McKinneyOlson Insurance also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more. Contact a representative with McKinneyOlson Insurance today for more information.

Rental Reimbursement

Get Back On the Road Faster.

We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is out of commission after an accident or theft, we offer Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is optional, and covers the expense of renting a substitute vehicle while yours is being repaired or replaced. Benefits and details vary by the insurance policy. This is why it’s important to speak with a McKinneyOlson Insurance Specialist to make sure you know what’s covered. ​ You can also find out if you qualify for this additional service and get all of your questions answered.

Personal Injury Protection (PIP)

Coverage that Helps You Get Well.

At McKinneyOlson Insurance, we know that the safety and well being of you and your family is important. Unfortunately, auto accidents can involve more than just damage to your car. Because of this, we’re here to help insure you for any injuries to you or a family member as a result of an auto accident.

With Personal Injury Coverage from McKinneyOlson Insurance, you’ll have a policy that helps pay for the treatment of you and your family members. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury Protection also can extend to take care of your passengers’ bills.

Don’t let the cost of medical expenses be a burden. Get your family treated and on the road to recovery with Personal Injury Coverage from McKinneyOlson Insurance.

Medical Payments Coverage

You Can’t Put a Price on Safety.

When it comes to the safety and security of you and your family, leave nothing to chance. If you or your loved ones get in a car accident, your first priority should be to make sure everyone gets the care and treatment they need. McKinneyOlson Insurance does this at a cost that keeps your finances and savings intact.

Being insured with an auto policy that contains coverage of Medical Payments ensures that most of your medical expenses will get taken care of.​ This includes if you or a family member gets injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. The coverage applies the same regardless of who is at fault. It also extends to the policyholder’s family members, as well as any passengers in the vehicle.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. With the right auto insurance policy, you will have less to worry about in the event of an accident.

After identifying the appropriate coverages, we turn to reputable carriers to place coverage. To get started, request a quote.


Keeping Our Clients Protected

At McKinneyOlson Insurance, we take your auto insurance seriously and will ask all the important questions to put the right policy in place. We are dedicated to providing exceptional customer service and always have our customer’s interest in mind. We are there to answer any of your questions or concerns.

Contact us at your convenience to learn more about our products and services for drivers.