Cheap Auto Insurance Quotes in Minnetonka, MN (2021)

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Car Insurance in Minnetonka, 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 Minnetonka, MN to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
ProgressiveAllstateNationwideTravelersAmerican Family
Monthly $

Cheapest Car Insurance in Minnetonka, MN

Here are the cheapest carriers in Minnetonka 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)
MinnesotaMinneapolisRochesterDuluthEden PrairieMinnetonka
Monthly $

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Minnetonka, MN Driving Facts


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 Minnetonka agents

North Star Insurance Services 
601 Carlson Pkwy, Minnetonka, MN 55305
Nesbit Agencies, Inc. 
5900 Rowland Rd, Minnetonka, MN 55343
Vaaler Insurance 
10550 Wayzata Boulevard, Minnetonka , MN 55305
The Canopy Group 
18001 Hwy 7, Minnetonka, MN 55435
American Agency, Inc. 
11527 Fetterly Rd W., Minnetonka, MN 55306
Key Insurance 
16249 The Strand, Minnetonka, MN 55345
Andrew L. Lange Insurance Agency 
5917 Whited Ave, Minnetonka, MN 55345-6744
Association Services Company 
601 Carlson Pkwy Ste 450, Minnetonka, MN 55305
Blanchard-Lindberg Insurance Agency 
11100 Abbott Lane, Minnetonka, MN 55343-8965
Valley Insurance 
11812 Wayzata Blvd Ste 200D, Minnetonka, MN 55305-2006

Insurify Insights: How Minnetonka Drivers Measure Up

Nissan Rogue
Most Popular Car in
Minnetonka, MN
suspended licenses
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 Minnetonka 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.

Most Popular Vehicle Minnetonka

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Minnetonka is the Nissan Rogue.

DUI/DWIs Minnetonka

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minnetonka drivers rank -- in the number of DUI’s per driver across all cities in Minnesota.

  • Rank within state: #--
  • Percent of drivers in Minnetonka with a DUI: %
  • Drivers in Minnetonka, MN with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Minnetonka

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Minnesota, Minnetonka drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Minnetonka with a speeding ticket: %
  • Drivers in Minnetonka, MN with a speeding ticket in their driving history paid on average % more than drivers with a clean record

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.