For All Your Insurance Needs

Welcome to Bechtel Insurance! Our independent and family-owned agency has served the greater Sioux Falls, SD area for all its insurance needs since our foundation by Don Bechtel in 1972.

Our second-generation business has occupied the same convenient location for over half a century. It is where our current agents Dave and Heather welcome anyone to stop in, sit down, and explain exactly how we can be of service. We believe that the personal touch is indispensable to our mission to provide affordable, appropriate and effective insurance coverage. Whether you’re protecting your vehicle, home, business, or all three, we’re eager to learn your unique needs and exceed your expectations. We specialize in family insurance planning and auto/home insurance discounts, but there’s nothing we can’t achieve on the behalf of our valued clients.

Can’t make it into our office? Then we’d still like to hear from you! Give us a call today and help us understand how we can put the insurance industry’s best products to work for you.

Personal Liability Insurance

Don’t let an accident turn into your financial ruin! If you or a member of your family harms another party’s property or unintentionally inflicts a bodily injury, personal liability coverage ensures that you can cover part or all of the damages you may be deemed liable for.

Homeowners Insurance

Your most valuable possession is vulnerable to too many hazards to list. If you would like peace of mind that you can fully recover from a fire, flood, burglary or other misfortune, Bechtel Insurance has the solution. We ensure homeowners, renters and landlords alike!

Auto Insurance

Regardless of the vehicle you drive, there is an ideal auto insurance policy to cover it. Our comprehensive coverages give our clients complete confidence that a mishap on the road won’t leave them without transport or financially destitute from hospital bills.

Commercial Insurance

It’s not just a business. It is the culmination of your dedication to your craft, your livelihood, and possibly the legacy you will one day pass down to your heirs. It deserves absolute protection against property damage, lawsuits, and all the other challenges business owners frequently navigate.

Commercial Auto Insurance

If your business relies on at least one vehicle, then you can’t do without commercial auto insurance. It keeps your valuable team members and property protected, and indemnifies you in the event of an accident that could otherwise have jeopardized your entire business.

Farm Insurance

We can receive no higher honor than helping local farmers to secure their livelihoods. We provide multiple peril crop insurance, crop-hail insurance, and crop revenue insurance that protect farmers’ investments, as well as property and vehicle coverages that keep farms operational in the event of unforeseen complications.

Workers’ Compensation Insurance

Although South Dakota state law does not compel business owners to purchase it, workers’ compensation insurance is indispensable to any business owner’s peace of mind. It ensures that a workers’ comp claim won’t threaten your bottom line – or finish your business altogether.


Does the nature of your business require surety bonds, payment bonds, performance bonds or contract bid bonds? Our team is standing by to supply the bonds that create confidence and produce results.

Life Insurance

Would you like assistance selecting the ideal life and health insurance policies for your unique needs? Trust the agents of Bechtel Insurance to help you make sense of your many options, and to tailor the policies that best meet your budget and expectations.

Contact us today to speak with Dave or Heather about your insurance needs!


232 E 12th St
Sioux Falls, South Dakota 57104


Monday- Friday 9:00am-5:00pm
Closed Sat-Sunday