Amy Hedtke

Hi, I’m Amy Hedtke, your local State Farm Agent proudly serving St. Joseph, MN and the surrounding Central Minnesota communities!

I opened my State Farm office in 2021, and I’m grateful for the opportunity to help individuals and families protect what matters most with clear guidance and personalized service. I was born and raised in Hutchinson, MN, and moved to the St. Joseph / St. Cloud area in 2001 to attend the College of St. Benedict, where I earned my degree in Psychology in 2005 and played women’s hockey as a two‐year team captain—Go Bennies! Being back in St. Joseph feels like coming home, and I’m proud to be a small business owner in this close‐knit community.

My team and I help customers with Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Life Insurance, and a variety of recreational coverages including Motorcycle Insurance, RV Insurance, ATV Insurance, Snowmobile Insurance, and Side‐by‐Side Insurance. We focus on building relationships, educating our customers, and helping families plan for the unexpected.

Community matters to me. I’m an active member of the St. Joseph Chamber of Commerce and the Forum of Executive Women (FEW), and our office is committed to giving back whenever possible. We’re also proud to support our Spanish‐speaking neighbors with the help of our Spanish‐speaking account manager, Lily.

My husband, Kyle Hedtke, is also a State Farm Agent in Sartell, and together we’re raising three active kids who attend Sartell School District 748. Supporting our family and our community is what drives everything I do. We proudly serve St. Joseph, Saint Joseph, St. Cloud, Sartell, Sauk Rapids, Rice, Avon, Holdingford, Collegeville, Kimball, and St. Augusta, MN.

If you’re looking for a local insurance agent who values relationships, education, and community, I’d love the opportunity to connect and help you protect what matters most.

Frequently Asked Questions (FAQs)

Q: What's an effective way to get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Amy works with Saint Joseph, Minnesota residents and people all over Minnesota and Wisconsin to find coverage that fits.

Q: How soon can I get insured for my car?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. Connect with Amy for insurance guidance in Saint Joseph and central Minnesota.

Q: What are the insurance requirements on a leased car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. You can count on Amy for personalized service.

Q: What protections does home insurance usually provide?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Amy is here to help your Saint Joseph household feel covered.

Q: What should I know about life insurance?

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. Looking for coverage? Talk with Amy about your life insurance options in St. Joseph and central Minnesota today.

Q: What's included in renters insurance coverage?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Amy serves the entire state of Minnesota and Wisconsin and is happy to help with your insurance needs.