The best car insurance in Minneapolis, MN

Ed Zuccarelli

By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

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.

Published November 10, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

The average cost for full car insurance coverage in Minneapolis, Minnesota, is $1,858, significantly higher than the Minnesota state average of $1,418. Bigger cities, with their busy streets and higher repair costs, often mean higher rates for car insurance.

Ready to shop car insurance?

Start calculator

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

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

  • USAA insurance offers the cheapest car insurance in Minneapolis at an average rate of $1,196 a year for full coverage

  • 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

USAA

$1,196

890

Western Agriculture

$1,333

--

GEICO

$1,386

871

State Farm

$1,467

881

Nationwide

$1,613

876

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

55401

$1,900

55402

$1,886

55403

$1,906

55404

$1,949

55405

$1,885

55406

$1,866

55407

$1,961

55408

$1,927

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

USAA

Western Agriculture

GEICO

State Farm

Nationwide

At-fault Accident

$1,700

$1,602

$2,418

$1,781

$2,365

DUI

$2,336

$2,384

$4,483

$1,637

$2,813

Driving with a suspended license

$2,265

$2,384

$1,574

$1,637

$2,813

Driving with an open container

$1,785

$2,384

$3,158

$1,637

$1,918

Driving with expired registration

$1,476

$1,354

$1,423

$1,637

$1,918

Driving without Lights

$1,394

$1,354

$1,574

$1,637

$1,918

Failure to show documents

$1,476

$1,354

$1,423

$1,637

$1,918

Failure to stop at a red light

$1,476

$1,354

$1,574

$1,637

$1,918

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

$2,326

Western Agriculture

$2,351

Nationwide

$2,435

USAA

$2,816

Ready to shop car insurance?

Start calculator

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?

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.

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.

What are collision and comprehensive coverage?

Collision coverage covers the cost of repairs for your vehicle even if the damage was your fault, like if you back into a pole. Comprehensive coverage covers other forms of damage such as weather damage, theft, fires, vandalism, or animal damage. This is optional coverage by law, but is usually required for a financed or leased vehicle.

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.