The effect of driving habits on car insurance in Minneapolis
Driving habits have a significant impact on car insurance rates in Minneapolis. Both accidents and traffic violations may raise your premium. Even when switching to a new coverage provider, a prior history of driving accidents and infractions may influence your new rate. Speeding and driving under the influence can increase the likelihood of an accident or incident.
Learn More: Cheapest Car Insurance by Driving Record
Cheapest car insurance with a clean record in Minneapolis: State Farm
State Farm offers the lowest average rates for drivers with clean records in Minneapolis, at $74 per month. Maintaining a clean driving record, including an absence of all accidents and traffic violations, is an ideal scenario for many insurers. Some may also offer discounts to drivers who maintain a clean record for a certain period of time.
Cheapest car insurance with an accident in Minneapolis: State Farm
State Farm offers the lowest car insurance for Minneapolis drivers who’ve been involved in an accident, at an average of $106 per month. Because Minnesota is a no-fault state, it’s especially important to avoid accidents. Any claim filed may increase your rates, and these claims may impact your premiums for as long as three years after the incident.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Minneapolis: State Farm
State Farm offers the lowest car insurance rates for drivers with a DUI in Minneapolis, with average monthly rates of $147. Driving under the influence is a serious infraction, and the consequences for driving impaired can include jail time, a license suspension, substantial fines, and an increase in insurance rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Minneapolis: State Farm
State Farm offers the lowest rates for drivers with speeding tickets, at an average of $99 per month. Receiving a speeding ticket, even when it doesn’t result in any damages or accidents, is one factor that can significantly increase your premiums. Speed is a contributing factor in one-third of traffic fatalities, according to the NHTSA.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Minnesota cities
Here’s a look at car insurance rates in some other Minnesota cities: