Every driver has unique factors that auto insurance companies consider when they are providing quotes to drivers. Those unique factors are why car insurance policies are not always the same from one person to the next. Your age, credit history, driving experience and location, among others, can impact the costs of car insurance in Minneapolis. The best way to ensure that you buy the best coverage is to get personalized quotes.
Compare the Cheapest Car Insurance Quotes in Minneapolis, MN
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Average Cost of Car Insurance in Minneapolis
Drivers in Minneapolis pay an average of $1,223 every year, which is 2% more expensive than the average car insurance in the state. Yet, that annual rate is 14.1% more affordable than the average rate in the United States, which means you could be paying less than what most drivers in the country do just because you live in Minneapolis.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Cheap Car Insurance Companies in Minneapolis
USAA offers the most affordable car insurance rate in Minneapolis, but it is only available to members of the military, veterans and their spouses and children. Drivers who served in the armed forces who live in the city can enjoy an annual premium as low as $801. If not, then the next most affordable option is State Farm, which offers a $943 annual premium — that’s 73% lower than the city's most expensive rate: $1,632 from Progressive.
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- CompanyAmountper year
- 1. USAA$801
- 2. State Farm$943
- 3. Farmers$977
- 4. AAA$977
- $1,058
- $1,116
- 7. GEICO$1,157
- 8. Allied$1,265
- 9. Allstate$1,299
- 10. MetLife$1,434
- $1,595
- 12. Progressive$1,632
Personalized Quotes to Get You the Cheapest Car Insurance in Minneapolis
When you are looking for the best car insurance rate in Minneapolis, it is best to shop around and ask for personalized quotes from different companies. Each company has different standards and weighs various circumstances differently to determine their ideal rate for you. These factors include your ZIP code, age, the model and make of the car you drive, your driving history and more. These factors change over time, so it is always best to look at personalized quotes from multiple companies to ensure you're getting the best rate available to you.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Minneapolis by Coverage Amount
How much car insurance coverage you purchase in Minneapolis also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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Minnesota Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$40,000 per person.
For all residents of Minneapolis, the state minimum liability requirement coverage is most affordable at an average of $486 from AAA. USAA is the cheapest option overall, at an average of $427, but that is only available for members of the military and their families.
Expanded coverage will provide you with more protection. A 50/100/50 liability-only plan costs $531 from AAA. That will cover $50,000 for one person’s injury, $100,000 for all the injuries in the accident and $50,000 for auto damages. For $939, you can have a 50/100/50 full coverage from AAA, which will provide you with additional coverage.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$427$468
- 2. AAA$486$531
- 3. State Farm$586$645
- 4. Farmers$576$623
- $649$694
- 6. GEICO$670$734
- $757$789
- 8. Allied$768$870
- 9. Allstate$808$842
- 10. MetLife$894$895
- $971$1,034
- 12. Progressive$1,089$1,127
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$761$801
- 2. AAA$939$977
- 3. State Farm$900$943
- 4. Farmers$943$977
- $1,079$1,116
- 6. GEICO$1,067$1,157
- $1,042$1,058
- 8. Allied$1,198$1,265
- 9. Allstate$1,249$1,299
- 10. MetLife$1,580$1,434
- $1,542$1,595
- 12. Progressive$1,610$1,632
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Minneapolis if You Have Tickets
A driver with a clear driving record may pay an average of $943 for State Farm auto insurance. Premiums will increase if a person is cited for traffic violations. A speeding ticket will warrant a $93 increase in the AAA premium while an at-fault accident violation will mean an increase of $186. A DUI violation may increase a person's rate to $1,036.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. State Farm$1,036$1,129$1,036
- $1,098$1,098$1,098
- 3. USAA$950$1,128$1,491
- 4. Farmers$1,143$1,338$1,370
- $1,485$1,467$2,269
- 6. Allstate$1,858$2,043$2,153
- 7. Allied$1,751$2,137$2,632
- $1,969$2,144$2,255
- 9. Progressive$2,012$2,539$1,856
- 10. GEICO$1,350$2,049$3,769
- 11. MetLife$1,957$2,377$3,347
- 12. AAA$1,796$1,510$4,945
Average Cost of Car Insurance by Postal Code
A person's ZIP code affects how much car insurance companies charge them for insurance. Car insurance companies consider the region's road conditions, accident rate, car-theft rates and more. The region of Minneapolis with the most expensive auto insurance average (55433) may pay an average of $1,401 a year, while residents of the region's cheapest ZIP code (55407) may pay $1,121 a year.
- Zip CodeState Minimumper year
- 55433$1,121
- 55423$1,155
- 55443$1,214
- 55407$1,401
Insurance Providers That Serve Minneapolis
Factors That Impact Insurance Costs in Minneapolis
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Minneapolis. How Minneapolis ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Minneapolis could save you $280, which is enough to buy:
Methodology and Assumptions
MoneyGeek’s average premium rates for Minneapolis are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.