Compare Minneapolis, MN Car Insurance Rates (2021)

Car insurance in Minneapolis, MN averages $509 a month. Minneapolis, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Minneapolis car insurance rates, compare quotes from the top car insurance companies in Minneapolis, MN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Minneapolis, MN after a DUI are $8,484/year
  • The cheapest car insurance company in Minneapolis for teen drivers is State Farm
  • The cheapest ZIP code in Minneapolis is 55416

If you need to buy Minneapolis, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Minneapolis, MN is right here.

You’ll find Minneapolis car insurance rates, the cheapest Minneapolis, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Minneapolis, Minnesota car insurance rates to Minneapolis car insurance rates, Brooklyn Park car insurance rates, and Plymouth car insurance rates.

Ready to find affordable Minneapolis, MN car insurance today? Enter your ZIP code for fast, free Minneapolis car insurance quotes.

Cheapest Minneapolis, MN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Minneapolis, MN car insurance rates? Every Minneapolis, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Minneapolis, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,197 $4,197 $4,081 $4,081 $9,585 $13,612 $5,141 $5,312
American Family $2,833 $2,833 $2,579 $2,579 $7,981 $11,331 $2,833 $3,161
Farmers $2,623 $2,619 $2,512 $2,672 $7,779 $7,889 $3,460 $3,376
GEICO $2,910 $2,880 $2,769 $2,691 $6,452 $8,128 $2,719 $2,862
Liberty Mutual $14,237 $14,237 $14,106 $14,106 $27,237 $40,471 $14,237 $19,506
Nationwide $2,720 $2,696 $2,426 $2,555 $7,284 $8,725 $3,237 $3,321
State Farm $2,081 $2,081 $1,889 $1,889 $4,774 $5,790 $2,400 $1,983
USAA $2,137 $2,083 $1,970 $1,929 $5,964 $6,425 $2,767 $2,889

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Minimum Car Insurance in Minneapolis, MN

Every driver must carry the minimum car insurance in Minneapolis, MN. Take a look at the Minnesota car insurance requirements.

Minimum Required Car Insurance Coverage in Minneapolis, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Minneapolis, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Minneapolis, MN. Compare credit history car insurance rates in Minneapolis from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Minneapolis, Minnesota

Insurance Company Poor Fair Good
Allstate $9,182 $4,998 $4,648
American Family $6,318 $4,040 $3,190
Farmers $5,119 $3,736 $3,493
GEICO $4,711 $3,858 $3,211
Liberty Mutual $27,555 $17,821 $13,927
Nationwide $4,922 $3,956 $3,485
State Farm $4,174 $2,550 $1,858
USAA $5,048 $2,532 $2,231

Cheapest Minneapolis, MN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Minneapolis, MN to rates for a clean record with top companies.

Annual Minneapolis, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,473 $6,653 $7,996 $5,981
American Family $3,071 $5,320 $6,193 $3,479
Farmers $3,527 $4,438 $4,499 $4,000
GEICO $2,632 $4,147 $6,107 $2,820
Liberty Mutual $13,920 $19,581 $30,562 $15,006
Nationwide $3,276 $4,342 $4,986 $3,879
State Farm $2,600 $3,121 $2,861 $2,861
USAA $2,421 $3,114 $4,668 $2,879

Cheapest Minneapolis, MN Car Insurance for Teen Drivers

Teen car insurance in Minneapolis, MN can be expensive. Take a look at rates from the top car insurance companies in Minneapolis for teenagers.

Annual Car Insurance Rates for Teen Drivers in Minneapolis, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,585 $13,612
American Family $7,981 $11,331
Farmers $7,779 $7,889
GEICO $6,452 $8,128
Liberty Mutual $27,237 $40,471
Nationwide $7,284 $8,725
State Farm $4,774 $5,790
USAA $5,964 $6,425

Cheapest Minneapolis, MN Car Insurance for Seniors

Take a look at Minneapolis, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Minneapolis, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,081 $4,081
American Family $2,579 $2,579
Farmers $2,512 $2,672
GEICO $2,769 $2,691
Liberty Mutual $14,106 $14,106
Nationwide $2,426 $2,555
State Farm $1,889 $1,889
USAA $1,970 $1,929

Cheapest Minneapolis, MN Car Insurance Rates After a DUI

A DUI in Minneapolis, MN increases car insurance rates. Compare Minneapolis, Minnesota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Minneapolis, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,996
American Family $6,193
Farmers $4,499
GEICO $6,107
Liberty Mutual $30,562
Nationwide $4,986
State Farm $2,861
USAA $4,668

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Cheapest Minneapolis, MN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Minneapolis, MN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Minneapolis, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,276 $6,276
American Family $4,464 $4,568
Farmers $4,116 $4,116
GEICO $3,871 $3,982
Liberty Mutual $19,211 $20,324
Nationwide $4,121 $4,121
State Farm $2,779 $2,943
USAA $3,228 $3,313

Cheapest Minneapolis, MN Car Insurance Rates by ZIP Code

Minneapolis car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Minneapolis, MN.

Annual Car Insurance Rates by ZIP Code in Minneapolis, Minnesota

ZIP Code Average Annual Rates
55401 $4,734
55402 $4,835
55403 $4,751
55404 $4,953
55405 $4,805
55406 $4,776
55407 $4,860
55408 $4,855
55409 $4,643
55410 $3,699
55411 $5,043
55412 $4,889
55413 $4,748
55414 $4,773
55415 $4,858
55416 $3,678
55417 $3,812
55418 $3,905
55419 $3,737
55450 $4,368
55454 $4,861
55455 $4,827

The Best Cheap Car Insurance Companies in Minneapolis, MN

Take a look at a side-by-side comparison of the top car insurance companies in Minneapolis, MN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Minneapolis, Minnesota

Insurance Company Average Annual Rates
Allstate $6,276
American Family $4,516
Farmers $4,116
GEICO $3,926
Liberty Mutual $19,767
Nationwide $4,121
State Farm $2,861
USAA $3,270

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Category Winners: Cheapest Car Insurance in Minneapolis, Minnesota

Find the cheapest car insurance companies in Minneapolis, MN for each category right here.

Best Annual Car Insurance Rates by Company in Minneapolis, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Minneapolis, MN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Minneapolis car insurance rates. Find the cheapest Minneapolis, MN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Minneapolis, Minnesota

Insurance Company Low Medium High
Allstate $6,154 $6,273 $6,400
American Family $4,497 $4,638 $4,413
Farmers $3,960 $4,135 $4,253
GEICO $3,780 $3,926 $4,073
Liberty Mutual $19,205 $19,793 $20,304
Nationwide $3,863 $4,155 $4,344
State Farm $2,735 $2,875 $2,973
USAA $3,160 $3,268 $3,383

What affects car insurance rates in Minneapolis, Minnesota?

What factors can have an impact on Minneapolis, MN car insurance? There are several reasons why Minneapolis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Minneapolis, Minnesota.

Commute Time in Minneapolis

The more time you spend in your car the higher the risk of an accident. The average commute length in Minneapolis, MN is 23.2 minutes according to City-Data.

Traffic in Minneapolis

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Minneapolis, MN traffic data from INRIX ranks Minneapolis as the 433rd-most congested in the world.

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Compare Car Insurance Quotes in Minneapolis, MN

Ready to find affordable Minneapolis, Minnesota car insurance today? Enter your ZIP code for fast, free Minneapolis, MN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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