Cheap Auto Insurance Quotes in Minneapolis, MN (2021)

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Car Insurance in Minneapolis, MN

The average cost of Minnesota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Minneapolis, MN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$55
$129
$170
$179
$198
ProgressiveState FarmTravelersAllstateLiberty Mutual
Monthly $

Cheapest Car Insurance in Minneapolis, MN

Here are the cheapest carriers in Minneapolis for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$130
$119
$127
$122
$126
$157
MinnesotaRochesterDuluthEden PrairieBurnsvilleMinneapolis
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Minneapolis, MN Driving Facts

minnesota

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 accidentPersonal Injury Protection (PIP) pays for contributes towards medical expenses and other related costs. In MinnesotaPIP 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 MinnesotaPIP 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 55416
Trustedchoice.com 
900 south 2nd, minneapolis, MN 56201
AdvisorNet Property & Casualty 
701 4th Ave S Ste 220, Minneapolis, MN 55415-3071
Ryynanen Insurance Agency 
12800 Whitewater Dr #100-2010, Minneapolis, MN 55416-4512
Insurance Brokers of MN, Inc. 
6300 Shingle Creek Pkwy, Minneapolis, MN 55430-2124
Dyste Williams Agency 
6465 Wayzata Blvd, Ste 700, Minneapolis, MN 55426-1751
Michael Girsch Agency 
7101 York Ave S #140, Minneapolis, MN 55435-4448
CBIZ 
222 S 9th St STE 1000, Minneapolis, MN 55402
Glover Insurance Agency, Inc. 
2520 Lowry Ave North, Minneapolis, MN 55411-1011
Patrick J Thomas Agency, Inc 
121 S 8th St Ste 980, Minneapolis, MN 55402

Insurify Insights: How Minneapolis Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Minneapolis, MN
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Minneapolis drivers measure up to their fellow Minnesota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Minneapolis

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 paid on average 26.74% more than drivers with a clean record

Speeding Minneapolis

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 paid on average 30.81% more than drivers with a clean record

DUI/DWIs Minneapolis

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 paid on average 24.42% more than drivers with a clean record

Most Popular Vehicle Minneapolis

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.

Rude Minneapolis

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 paid on average 20.35% more than drivers with a clean record.

Safest Drivers Minneapolis

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%

Failure to Yield the Right of Way Minneapolis

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 paid on average --% more than drivers with a clean record

Reckless Drivers Minneapolis

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%

Hybrid/Electric Vehicle Ownership Minneapolis

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%
Most Patriotic City

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.