The best car insurance in Minneapolis, MN

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Ed ZuccarelliEd ZuccarelliFreelance contributorEd Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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The average cost for full car insurance coverage in Minneapolis, Minnesota, is $1,848 per year, which is $426 more expensive than the Minnesota state average of $1,422. Bigger cities, with their busy streets and higher repair costs, often mean higher rates for car insurance.

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But drivers in Minneapolis can save on coverage by comparing quotes from several different companies and choosing their most affordable option. Policygenius makes it easy to compare rates from top companies, so you know you’re not overpaying for car insurance.

Key Takeaways

  • State Farm insurance offers the cheapest car insurance in Minneapolis at an average rate of $1,257 a year for full coverage

  • Minnesota is a no-fault state and requires drivers to have Personal Injury Protection (PIP) to cover their own injuries after an accident

  • Car insurance companies use different standards in setting rates, so comparing options from multiple companies will help you get the best deal

Cheapest car insurance companies in Minneapolis, MN

Car insurance companies use many factors when setting rates, Some, like age and gender, are out of your control. Others, like your driving history and credit score, are things you can maintain or improve. Because these factors vary from driver to driver, the cheapest company for someone else might not be the cheapest for you — that’s why you should take the time to compare quotes before you buy a policy. 

Company

Average cost

JD Power Rating

State Farm

$1,257

882

USAA

$1,301

890

Auto-Owners Insurance

$1,371

865

Western Agriculture

$1,386

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GEICO

$1,386

874

Cheapest car insurance rates by ZIP code in Minneapolis, MN

In a metropolitan area like Minneapolis, insurance rates can vary from one neighborhood to the next. Areas with fewer reported accidents, car thefts, and vandalism will have lower rates than areas where more claims are filed.

ZIP code

Average cost

55410

$1,590

55450

$1,624

55419

$1,661

55417

$1,677

55418

$1,787

55409

$1,842

55406

$1,854

55413

$1,859

55405

$1,871

55402

$1,875

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Choosing the right car insurance company in Minneapolis, MN

There’s more to choosing the best policy than just finding the cheapest rates. Companies with high claims satisfaction ratings, lots of available discounts or perks like accident forgiveness may be worth paying slightly more for coverage. 

Policygenius can help you understand the car insurance coverage you need and compare rates to make sure you’re choosing the best option.

Car insurance rates for drivers with driving violations in Minneapolis, MN

Drivers with multiple accidents, moving violations, and claims on their record will see higher rates. The best way to avoid these rate increases is to be a safe and careful driver, but if you do have a poor driving record, it’s all the more important to compare quotes when shopping for a policy.

Violation

State Farm

USAA

Auto-Owners Insurance

Western Agriculture

GEICO

At-fault accident

$1,519

$1,890

$1,687

$1,666

$2,418

DUI

$1,400

$2,497

$2,354

$2,479

$4,483

Suspended license

$1,400

$2,423

$2,354

$2,479

$1,574

Open container

$1,400

$2,017

$1,395

$2,479

$3,158

Expired registration

$1,400

$1,666

$1,395

$1,407

$1,423

Driving without lights

$1,400

$1,526

$1,395

$1,407

$1,574

Running a red light

$1,400

$1,666

$1,395

$1,407

$1,574

Following too closely

$1,400

$1,666

$1,395

$1,407

$1,574

Hit and run

$1,400

$2,560

$2,354

$2,479

$4,483

Not-at-fault accident

$1,280

$1,353

$1,395

$1,247

$1,498

Passing a school bus

$1,400

$2,017

$1,510

$1,407

$1,574

Reckless driving

$1,400

$2,017

$2,354

$1,924

$3,158

Speeding

$1,400

$1,666

$1,702

$1,924

$2,418

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Cheapest car insurance for drivers with bad credit in Minneapolis, MN

Companies also consider your credit score when setting rates, and a lower score typically means you’ll pay more for car insurance. Not all states allow credit to be a factor in setting rates, but Minnesota does, which means drivers with poor credit should be sure to take time to shop around and find the most affordable coverage they can.

Company

Rates for drivers with bad credit

GEICO

$1,837

West Bend Mutual

$2,322

Western Agriculture

$2,443

Nationwide

$2,458

State Farm

$3,006

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Buying car insurance in Minneapolis, MN

All drivers in Minnesota must have at least the following levels of coverage:

  • $30,000 in bodily injury liability coverage per person

  • $60,000 in bodily injury liability coverage per accident

  • $10,000 in property damage liability coverage 

  • Personal injury protection (PIP): $40,000 per person for each accident, $20,000 for hospital and medical expenses, $20,000 for non-medical expenses

  • Uninsured/Underinsured motorist coverage: $25,000 for injuries to one person, $50,000 for injuries to two or more people.

No fault coverage: Minnesota is a no-fault state, meaning drivers must file claims for injuries after a car accident with their own insurance company, regardless of who was at fault. That’s why all Minnesota drivers are required to have at least a minimum amount of Personal Injury Protection (PIP), the coverage that pays for medical bills and related expenses.

Electronic proof of insurance: By law, Minnesotans can provide proof of insurance through smart phones, tablets and pads, and other electronic devices.

How to get cheap car insurance in Minneapolis, MN

Shopping for car insurance doesn’t have to be complicated — there are some simple tricks for finding the cheapest coverage:

  • Compare quotes before you buy, so you don’t miss out on more affordable coverage from another company. 

  • Know what discounts are available, like discounts for being a safe driver, paying your premium in full as opposed to making monthly payments, and for being a member of qualifying groups or associations, like AARP or certain fraternities and sororities. 

  • Bundle your auto and home or renters policies with the same insurance company when you can and save even more.

  • Reshop before renewing your policy, since rates may have changed since you bought your policy. 

Frequently asked questions

How often should I update my coverage in MN?

Life changes can mean changes in your insurance needs. Update your coverage when you add or change vehicles, move, need to add or remove a driver from your policy, get married or divorced, or buy a new home. You should also compare rates between multiple companies every so often to make sure you are paying the lowest possible rate.

Is car insurance mandatory in Minnesota?

Yes. Every vehicle that is driven or garaged in the state must have the minimum coverage amount. But most drivers need significantly more coverage than the state minimums in order to be fully protected.

How much is car insurance per month in Minnesota?

The average cost of car insurance in Minnesota is $119 per month, or $1,422 per year.

What is the cheapest car insurance in Minneapolis?

On average, State Farm has the cheapest car insurance costs in the city of Minneapolis. The company offers full-coverage car insurance for an average of $1,257 per year.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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