4.8out of 3,000+ reviews

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Minneapolis is $183 per month, or $2196 annually.
- Car insurance in Minneapolis is $36 more than the average cost of car insurance in Minnesota.
- The cheapest car insurance provider in Minneapolis on average is Acuity, but you should always compare quotes to find your best personal rate.
Car Insurance in Minneapolis, MN
Quotes by Top Companies
Cheapest Car Insurance in Minneapolis, MN
Insurance Provider in Minneapolis | Quotes |
---|---|
Progressive | $55 /mo |
State Farm | $129 /mo |
Travelers | $170 /mo |
Allstate | $179 /mo |
Liberty Mutual | $198 /mo |
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Average Car Insurance Cost
Minnesota Cities | |
---|---|
Rochester | $119/mo |
Duluth | $127/mo |
Eden Prairie | $122/mo |
Burnsville | $126/mo |
Minneapolis | $157/mo |
Minnesota | $130/mo |
Minimum Car Insurance Requirements in MN
All motor vehicles operated or parked on Minnesota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Minnesota are as follows:
- $30,000 per person/$60,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Minnesota state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Minnesota law.
- $10,000/accident for Property Damage (PD)
The state minimum amount of property damage liabiltiy coverage required in the state of Minnesota is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in Minnesota. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Minnesota, the legally required level of Uninsured Motorist coverage is:
- $25,000 per person/$50,000 per accident for Bodily Injury
Personal injury protection covers the costs of medical bills resulting from a car accident. If you are injured in a car accident, Personal Injury Protection (PIP) pays for contributes towards medical expenses and other related costs. In Minnesota, PIP Coverage can help with medical expenses from injuries suffered in an auto accident, lost wages due to missed time at work, and replacement services to assist in domestic work you could have done on your own before you were injured. In Minnesota, PIP coverage is mandatory unless explicitly declined in a waiver.
- $20,000 Medical Expense per person
- $20,000 Economic Loss per person
Find local Minneapolis agents
AAA Minneapolis Insurance Agency
5400 Auto Club Way,
Minneapolis, MN 55416Trustedchoice.com
900 south 2nd,
minneapolis, MN 56201AdvisorNet Property & Casualty
701 4th Ave S Ste 220,
Minneapolis, MN 55415-3071Ryynanen Insurance Agency
12800 Whitewater Dr #100-2010,
Minneapolis, MN 55416-4512Insurance Brokers of MN, Inc.
6300 Shingle Creek Pkwy,
Minneapolis, MN 55430-2124Dyste Williams Agency
6465 Wayzata Blvd,
Ste 700, Minneapolis, MN 55426-1751Michael Girsch Agency
7101 York Ave S #140,
Minneapolis, MN 55435-4448CBIZ
222 S 9th St STE 1000,
Minneapolis, MN 55402Glover Insurance Agency, Inc.
2520 Lowry Ave North,
Minneapolis, MN 55411-1011Patrick J Thomas Agency, Inc
121 S 8th St Ste 980,
Minneapolis, MN 55402

Most Patriotic City
Minneapolis
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Duluth won Insurify's Most Patriotic Cities Award for the state of Minnesota.
FAQs - Minneapolis, MN Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Minneapolis Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Minneapolis, Minnesota below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Minneapolis drivers measure up to their fellow motorists across Minnesota in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Camry
Most Popular Car in Minneapolis
#5
City with the Most Speeding Tickets Rank in Minnesota
#14
City with the Most Moving Violations Rank in Minnesota
#5
City with the Most DUIs Rank in Minnesota
#12
City with the Most Suspended Licenses in Minnesota
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Minneapolis drivers rank 5 in the number of car accidents per driver across all cities in Minnesota.
- Rank within state: #5
- Percent of drivers in Minneapolis with an accident: 8.72%
- Drivers in Minneapolis, MN with an accident in their driving history pay on average 26.74% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Minnesota, Minneapolis drivers rank 5 in the number of speeding infractions per driver.
- Rank within state: #5
- Percent of drivers in Minneapolis with a speeding ticket: 9.82%
- Drivers in Minneapolis, MN with a speeding ticket in their driving history pay on average 30.81% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minneapolis drivers rank 5 in the number of DUI’s per driver across all cities in Minnesota.
- Rank within state: #5
- Percent of drivers in Minneapolis with a DUI: 2.99%
- Drivers in Minneapolis, MN with a DUI in their driving history pay on average 24.42% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Minneapolis is the Toyota Camry.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Minnesota, Minneapolis drivers rank 1 in rude driving infractions.
- Rank within state: #1
- Percent of drivers in Minneapolis with a reckless driving violation: 1.79%
- Drivers in Minneapolis, MN with a reckless driving violation in their driving history pay on average 20.35% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Minneapolis drivers rank 1 in clean driving records across all cities in Minnesota.
- Rank within state: #1
- Percent of drivers in Minneapolis with clean record: 81.28%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Minneapolis drivers rank 2 in failure to yield violations per driver across all cities in Minnesota.
- Rank within state: #2
- Percent of drivers in Minneapolis with a failure to yield violation: 0.15%
- Drivers in Minneapolis, MN with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Minnesota, Minneapolis drivers rank 2 in the number of reckless driving offenses per driver.
- Rank within state: #2
- Percent of drivers in Minneapolis with a reckless driving offense: 0.03%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Minneapolis drivers rank 4 in hybrid and electric vehicle ownership across all cities in Minnesota.
- Rank within state: #4
- Percent of drivers in Minneapolis with a hybrid/electric vehicle: 0.62%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.