Best Cheap Auto Insurance in Minneapolis, MN (2021)

The average Minneapolis, MN auto insurance rates are $509 per month. The minimum auto insurance in Minneapolis is at least 30/60/10 in coverage to comply with Minnesota auto insurance laws. To find the best cheap auto insurance in Minneapolis, Minnesota, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Minneapolis, MN for senior drivers are $4,052 per year
  • The cheapest auto insurance company in Minneapolis is State Farm
  • The minimum auto insurance required in Minneapolis, Minnesota is 30/60/10

Minneapolis, Minnesota auto insurance requirements are 30/60/10 according to Minnesota auto insurance laws. Finding cheap auto insurance in Minneapolis can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Minneapolis, Minnesota, including driving record, credit, commute time, and more.

Compare auto insurance in Minneapolis to other Minnesota cities, including St. Paul auto insurance rates, Plymouth auto insurance rates, and Woodbury auto insurance rates to see how Minneapolis, Minnesota auto insurance rates stack up.

Before you buy Minneapolis, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Minneapolis, Minnesota auto insurance quotes.

Minimum Auto Insurance in Minneapolis, Minnesota

Minneapolis, Minnesota auto insurance laws require that you have at least the Minnesota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Minneapolis, Minnesota.

Minimum Required Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Minneapolis, Minnesota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Minneapolis, Minnesota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Minneapolis, Minnesota Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Minneapolis, Minnesota is a challenge. Take a look at the annual teen auto insurance rates in Minneapolis, Minnesota.

Annual Auto 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

Cheap Minneapolis, Minnesota Auto Insurance for Seniors

What are senior auto insurance rates in Minneapolis, Minnesota? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Minneapolis, Minnesota Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Minneapolis, Minnesota compared to the annual auto insurance rates with a clean record in Minneapolis, Minnesota.

Annual Minneapolis, Minnesota Auto 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

Cheap Minneapolis, Minnesota Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Minneapolis, Minnesota is not easy. Compare the annual rates for DUI auto insurance in Minneapolis, Minnesota to find the best deal.

Annual Auto Insurance Rates After a DUI in Minneapolis, Minnesota

Insurance Company Annual Auto 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

Cheap Minneapolis, Minnesota Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Minneapolis, Minnesota annual auto insurance rates by credit history compare.

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Minneapolis, Minnesota Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Minneapolis, Minnesota can vary. Compare the annual cost of auto insurance by ZIP code in Minneapolis, Minnesota to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Minneapolis, Minnesota Auto Insurance Rates By Commute

Commute length and annual mileage affect Minneapolis, Minnesota auto insurance. Find the cheapest annual Minneapolis, Minnesota auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Minneapolis, Minnesota

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Minneapolis, Minnesota Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Minneapolis, Minnesota? Check out the comparison of annual Minneapolis, Minnesota auto insurance rates by coverage level.

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Minneapolis, Minnesota

Compare the cheapest auto insurance companies in Minneapolis, Minnesota in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Minneapolis, Minnesota Auto Insurance Companies

What auto insurance companies in Minneapolis, Minnesota are the cheapest? Compare the top Minneapolis, Minnesota auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Minneapolis, Minnesota?

There are a lot of reasons why auto insurance rates in Minneapolis, Minnesota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Minneapolis, Minnesota. Many local factors may affect your Minneapolis auto insurance rates.

Minneapolis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Minneapolis, Minnesota commute length is 23.2 minutes according to City-Data.

Minneapolis Traffic

How does Minneapolis, Minnesota rank for traffic? According to Inrix Minneapolis, Minnesota is the 433rd most congested worldwide.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Minneapolis, Minnesota Auto Insurance Quotes

Before you buy Minneapolis, Minnesota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Minneapolis, Minnesota auto insurance quotes.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption