120+ more*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on July 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on July 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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15 years at the Boston Globe
5+ years covering insurance industry
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
Minneapolis drivers pay an average of $115 per month for liability-only car insurance and $195 per month for full-coverage auto insurance, according to Insurify data. Drivers shopping for car insurance in Minneapolis typically pay slightly more than the Minnesota average due to dense traffic, higher crime rates, and weather risks.
Monthly premiums are higher in Minneapolis than in smaller cities like Rochester, but they’re often lower than in other major metros like Chicago or Detroit. Long winters, icy conditions, and above-average commute times — about 22–25 minutes locally — increase the risk of accidents in Minneapolis.[1]
Liability rates start as low as $58 per month
Liability-only policies in Minneapolis average $115 per month, and the cheapest liability car insurance in Minneapolis comes from State Farm.
Liability-only policies are a common choice for drivers with older vehicles or higher risk tolerance. While the coverage is more affordable, it only pays for the other party’s damage and injuries in an accident you cause. It won’t cover your vehicle.
Minnesota law requires all drivers to carry minimum liability coverage, including insurance coverage limits for bodily injury liability ($30,000 for one person and $60,000 for two or more) and property damage coverage ($10,000). Drivers must also carry at least $40,000 in personal injury protection (PIP) coverage per accident and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
The following table shows the cheapest liability car insurance rates in Minneapolis.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| Progressive | $67 |
| Auto-Owners | $69 |
| USAA | $72 |
| Safeco | $75 |
| National General | $82 |
| American Family | $85 |
| Chubb | $86 |
| Liberty Mutual | $104 |
| Direct Auto | $107 |
| The General | $108 |
| GEICO | $109 |
| Dairyland | $120 |
| Allstate | $124 |
| Travelers | $124 |
| Bristol West | $148 |
| Country Financial | $157 |
| Farmers | $172 |
If you’re seeking cheap full-coverage car insurance in Minneapolis, you can find the lowest rates with State Farm. Full coverage costs more than a liability-only insurance policy but offers protection against theft, weather damage, such as flooding around the Mississippi River, and includes coverage for your vehicle if you’re in an accident.
The following table shows the cheapest full-coverage car insurance rates in Minneapolis.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $103 |
| Auto-Owners | $119 |
| USAA | $126 |
| Safeco | $140 |
| American Family | $149 |
| Chubb | $151 |
| National General | $162 |
| GEICO | $190 |
| Direct Auto | $195 |
| Liberty Mutual | $213 |
| Travelers | $215 |
| Allstate | $216 |
| Country Financial | $275 |
| The General | $276 |
| Farmers | $302 |
| Bristol West | $304 |
| Dairyland | $373 |
Minneapolis tends to be more expensive than cities like Rochester due to its higher population density, heavier traffic exposure, and greater risk of vehicle theft and property crime.
The table below compares average monthly car insurance quotes across three of Minnesota’s largest cities.
*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on July 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Minneapolis, Minnesota within the last 10 days. Last updated on July 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history plays a major role in determining how much you’ll pay for insurance premiums in Minnesota. The cheapest insurers vary depending on your record, as you can see below:
Cheapest car insurance for Minneapolis drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Minneapolis: State Farm
Cheapest car insurance for Minneapolis drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Minneapolis: State Farm
Incidents can raise your premiums significantly in Minneapolis, where insurance underwriters closely evaluate risk. About 4% of drivers in Minneapolis have at least one speeding ticket on their record, according to Insurify data. This is in line with national averages.
Minnesota is also a no-fault state, which means both parties must initially file a claim with their own insurance company after an accident. Busy driving conditions — especially along I-94, I-35W, and near Uptown — all contribute to the frequency of car accidents.
Drivers in Hennepin County, which includes Minneapolis, face strict DWI enforcement under Minnesota’s driving while intoxicated (DWI) laws. These laws include implied-consent testing requirements, license revocation after a failed or refused test, ignition interlock devices for some offenders, and enhanced penalties for repeat or aggravated violations.[2]
In the chart below, you can see how having an incident on your record can affect your rates in Minneapolis.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $155 |
| Speeding ticket | $187 |
| At-fault accident | $191 |
| DUI | $190 |
Driving in Minneapolis presents unique challenges compared to other Minnesota cities. The city’s grid system intersects with major corridors like Interstate 94, I-35W, and Highway 62, which carry heavy traffic during peak commuting hours and winter weather events.
Minneapolis also averages more than 50 inches of snow annually, according to the National Weather Service, creating icy, hazardous driving conditions that increase the risk of accidents.
Parking can also affect how drivers experience risk. In dense areas like downtown, uptown, and near the University of Minnesota, street parking is common, which can increase your risk of theft or minor damage, especially when compared to suburban garage parking.
Vehicle theft and property crime trends in Minneapolis also vary by neighborhood, which insurers may factor into comprehensive coverage costs.[3]
Minneapolis drivers often navigate congestion, dense intersections, and a mix of motorists, cyclists, buses, and pedestrians that can increase the likelihood of claims compared with many smaller Minnesota communities.
Traffic congestion in Minneapolis — especially along I-94, I-35W, and the Crosstown (Highway 62) — increases the likelihood of accidents. The average commute time of about 22 minutes reflects steady but manageable congestion.
Winter conditions worsen traffic flow, particularly during snowstorms. Law enforcement also monitors high-risk corridors, which can lead to more tickets and higher insurance premiums for drivers with violations.
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State Farm offers some of the cheapest rates for teen drivers in Minneapolis. Teen premiums are usually high because younger drivers are still building experience and are statistically more likely to be in an accident.
In Minnesota, teens can typically get a permit at age 15 and a provisional license at 16, which puts many new drivers on busy Twin Cities roads early.[4]
The following table shows the cheapest rates for teenage drivers in Minneapolis.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $117 |
| Progressive | $132 |
| USAA | $138 |
| Auto-Owners | $145 |
| Safeco | $158 |
| American Family | $167 |
| National General | $170 |
| Chubb | $183 |
| Liberty Mutual | $190 |
| The General | $203 |
| GEICO | $205 |
| Direct Auto | $216 |
| Dairyland | $218 |
| Allstate | $254 |
| Country Financial | $263 |
| Travelers | $266 |
| Bristol West | $273 |
| Farmers | $356 |
About 11% of Minneapolis’ population is aged 65 or older, translating to more than 47,000 people.[5]
Senior drivers in Minneapolis can often find lower car insurance rates from insurers that reward safe driving histories. Rates often start at $46 for liability coverage. But factors like winter driving conditions and urban congestion can still influence insurance premiums.
The following table shows the cheapest rates for senior drivers in Minneapolis.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| Auto-Owners | $55 |
| Progressive | $58 |
| USAA | $59 |
| National General | $65 |
| Chubb | $65 |
| Safeco | $66 |
| American Family | $68 |
| Liberty Mutual | $87 |
| GEICO | $87 |
| Direct Auto | $88 |
| The General | $92 |
| Travelers | $99 |
| Allstate | $101 |
| Dairyland | $102 |
| Bristol West | $124 |
| Country Financial | $125 |
| Farmers | $137 |
Drivers shopping for Minneapolis car insurance often have similar questions about costs, coverage, and ways to save. If you’re one of them, you can find answers to your questions here.
The average rate for full coverage in Minneapolis is $195 per month, compared to the statewide full-coverage average of $184 per month. Car insurance rates vary based on coverage limits and driver profile, but Minneapolis drivers typically pay more than the state average due to traffic density, winter weather risks, and higher theft rates in certain neighborhoods.
State Farm frequently offers the lowest liability rates in Minneapolis, at $58 per month. But the cheapest insurer for you depends on your driving history, vehicle age and type, and coverage needs.
A $200 monthly premium is around average for full coverage in Minneapolis, but it’s on the higher end for liability-only insurance. Your costs will depend heavily on your driving record, vehicle type, and more.
Your car insurance costs in Minneapolis will depend on several factors, including your driving history, credit, vehicle type, and location-specific risks such as winter storms, traffic congestion, and theft rates.
You can lower insurance premiums in Minneapolis by comparing quotes, increasing your deductible, bundling policies (such as with renters or homeowners insurance), maintaining a clean driving record, and taking advantage of car insurance discounts for safe driving or low mileage.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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15 years at the Boston Globe
5+ years covering insurance industry
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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