Helping families and businesses make smart insurance decisions—big or small. 
That’s what we’re here for.

Serving Minnesota, Iowa, and Wisconsin with trusted coverage.

With decades of industry insight and a deep commitment to service, Ted W. Smith Insurance Services proudly helps families and business owners across Rochester, MN—as well as communities throughout Minnesota, Iowa, and Wisconsin—navigate their insurance needs. Whether you're comparing car or home insurance options, or looking to protect your growing business, we’re here to provide trusted, local guidance. From everyday policies to custom solutions, we’ll help you move forward with confidence.

From billing to driving courses, here’s where you’ll find the right links.

Voted Rochester’s #1 insurance agency—nine years running.

Commitment you can count on.

Since 1993, Ted W. Smith Insurance Services has helped individuals and businesses across Minnesota, Iowa, and Wisconsin find the right protection. We’re proud to be a trusted name in insurance, offering coverage for home, auto, life, business, and more. Whether you’re comparing policies or looking for car and home insurance, you can count on us to help you make confident decisions.

"Ted and his team were fantastic to work with. From the initial contact through the entire process of setting up insurance for my business, it was hands down the easiest and best experience I have ever had with an insurance company. Ted answered all of my endless questions and went over the complete policy with me. I would highly recommend TWS Insurance to anyone looking for insurance services."