Car Insurance in Minneapolis, Minnesota
Estimated full coverage in Minneapolis runs about $1,535 a year ($128/month) — ▲ +15% versus the Minnesota average, ranking 1st most expensive of the 8 Minnesota cities we cover.
Why car insurance in Minneapolis costs more than the Minnesota average
Insurers price by territory, and Minneapolis's numbers explain most of the gap. With 428,579 residents on 54.0 square miles, the city's density (7,937 people per square mile) is 12.9 times the density where the typical Minnesota resident lives (617). The average commute is 22.0 minutes (Minnesota: 22.7), and 52% of workers drive alone. Together these put our location factor at 1.14× the state baseline for liability and collision, and 1.16× for comprehensive once FEMA weather risk for Hennepin County is included.
| Factor | Minneapolis | Minnesota ref. | Why it matters |
|---|---|---|---|
| Population density | 7,937 / sq mi | 617 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 22.0 min | 22.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 51.9% | — | Share of workers commuting by car. |
| Public transit to work | 6.8% | — | Transit use lowers how much residents drive. |
| Work from home | 26.2% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 15.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 99.0 | 92.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Minneapolis
Rates can change from one ZIP code to the next. Across 20 Minneapolis ZIP codes, our full-coverage estimate ranges from $1,365 in 55402 to $1,610 in 55454. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 55407 | 37,667 | 9,384 | 23.0 min | 13.6% | $1,560 | +2% |
| 55406 | 36,581 | 7,309 | 21.7 min | 12.8% | $1,525 | −1% |
| 55414 | 35,007 | 11,206 | 20.2 min | 23.7% | $1,540 | 0% |
| 55408 | 31,507 | 11,726 | 24.0 min | 16.0% | $1,590 | +4% |
| 55418 | 31,505 | 4,508 | 22.9 min | 8.5% | $1,500 | −2% |
| 55419 | 29,738 | 7,084 | 20.4 min | 3.3% | $1,505 | −2% |
| 55404 | 28,920 | 16,013 | 21.6 min | 34.2% | $1,585 | +3% |
| 55411 | 27,741 | 6,887 | 23.0 min | 22.0% | $1,535 | 0% |
| 55417 | 25,102 | 5,682 | 21.0 min | 3.4% | $1,495 | −3% |
| 55412 | 24,460 | 7,181 | 25.2 min | 13.4% | $1,565 | +2% |
| 55410 | 20,422 | 6,652 | 20.8 min | 3.1% | $1,505 | −2% |
| 55403 | 17,601 | 12,951 | 23.6 min | 28.9% | $1,590 | +4% |
| 55405 | 17,198 | 6,071 | 20.4 min | 15.1% | $1,495 | −3% |
| 55413 | 14,655 | 4,672 | 19.9 min | 13.5% | $1,470 | −4% |
| 55401 | 11,816 | 14,938 | 18.4 min | 11.8% | $1,540 | 0% |
| 55409 | 11,188 | 8,554 | 22.4 min | 4.9% | $1,545 | +1% |
| 55454 | 8,880 | 14,924 | 23.9 min | 45.5% | $1,610 | +5% |
| 55415 | 6,900 | 15,753 | 17.1 min | 15.9% | $1,525 | −1% |
| 55455 | 5,390 | 10,019 | 15.3 min | 0.0% | $1,470 | −4% |
| 55402 | 667 | 3,947 | 12.2 min | 20.7% | $1,365 | −11% |
Minimum car insurance in Minneapolis
Minneapolis drivers follow Minnesota's rules: at least 30/60/10 liability coverage, personal injury protection, and uninsured motorist coverage. Minnesota is no-fault. We estimate state-minimum coverage in Minneapolis at $540 a year, and $750 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $40,000 Personal injury protection of $40,000 per person is required: $20,000 for medical expenses and $20,000 for non-medical losses such as wages. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist coverage of at least 25/50 is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Risk factors that shape Minneapolis premiums
Accidents
Minnesota recorded 477 traffic deaths, or 0.81 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Minnesota's vehicle theft rate is 165 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Hyundai Elantra (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Hennepin County as very high for hail, relatively high for inland flooding and very high for strong wind.
Traffic & commuting
3.6% of Minneapolis commuters spend an hour or more getting to work, and there are 1.37 vehicles per household. 26.2% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.6 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 98.9 | Comprehensive; dwelling | |
| Winter weather | 97.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Minneapolis by driver profile
A clean-record driver in their 50s pays the least in our Minneapolis model (about $1,410 for full coverage); an 18-year-old on their own policy pays about $4,220, and a DUI pushes a 30-something to $2,840.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,480 | $2,060 | $4,220 | $352 |
| Young adult (22) | $860 | $1,200 | $2,455 | $205 |
| Adult in their 30s | $540 | $750 | $1,535 | $128 |
| Adult in their 50s | $495 | $690 | $1,410 | $118 |
| Senior (72) | $600 | $840 | $1,720 | $143 |
| 30s, one at-fault accident | $780 | $1,085 | $2,225 | $185 |
| 30s, DUI on record | $995 | $1,385 | $2,840 | $237 |
Minimum vs. standard vs. full coverage in Minneapolis
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $540 | $45 | $440–$635 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $750 | $62 | $615–$885 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,535 | $128 | $1,260–$1,810 |
Estimate your premium in Minneapolis
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Cheap car insurance in Minneapolis: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Minneapolis's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $110 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $110 | You're among the 26.2% of Minneapolis workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $430 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $785 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $335 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Minneapolis
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 64 offices listed below.
- Check complaint records with the Minnesota Department of Commerce (complaint information) before you buy.
- Mention your ZIP code accurately — within Minneapolis, our estimates differ by up to $245 a year between neighborhoods.
Car insurance agents near Minneapolis, MN
We found 64 insurance offices within about 6 miles of central Minneapolis, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Farmers Insurance - Tri Tang
2522 Nicollet Avenue, #202, Minneapolis, MN 55404 -
Omar Abdi Mohamed - Farmers Insurance
1433 E Franklin Ave, Minneapolis, MN 55404 -
State Farm: Moon Lai
2718 Nicollet Avenue, #204, Minneapolis, MN 55408 -
Progressive
MN -
La Progresiva
515 West Lake Street, #E, Minneapolis, MN 55408 -
Mary Trondson - State Farm
621 W Lake Street, Suite 210, Minneapolis, MN 55408 -
Mandi Bedbury - Riverbend Agency
2909 Bryant Ave S, Minneapolis, MN 55408 -
Lawrence Thomas - State Farm
923 W Lake Street, Minneapolis, MN 55408 -
The Landreu Grouo
MN -
Sons of Norway
1455 West Lake Street, Minneapolis, MN 55408 -
Steven B Wolfson - Farmers Insurance
1516 W Lake St, Minneapolis, MN 55408 -
WOLD Financial, LLC
1118 Cedar Lake Road South, Minneapolis, MN 55405 -
State Farm Insurance - Kim Nybo
2724 Southeast University Avenue, Minneapolis, MN 55414 -
Benjamin Gregory Leach - Farmers Insurance
2705 E 38th St, Minneapolis, MN 55406 -
Dawn Bartell - American Family Insurance
4020 Minnehaha Ave, Ste 1010, Minneapolis, MN 55406 -
Minneapolis St. Paul Agency Insurance & Risk Management
2469 University Avenue West, #200E, Saint Paul, MN 55114 -
Service Associates, Inc.
3925 Excelsior Boulevard, Saint Louis Park, MN 55416 -
Champion Insurance Services, Inc.
821 Raymond Avenue, #400, Saint Paul, MN 55114 -
Scott A Henstein - Farmers Insurance
4517 Minnetonka Blvd, St Louis Park, MN 55416 -
Jeff Meyer - State Farm
4316 Upton Avenue S, Minneapolis, MN 55410 -
Michael Thomas Culhane - Farmers Insurance
1845 Stinson Blvd, Minneapolis, MN 55418 -
Allstate
5208 Bloomington Avenue, Minneapolis, MN -
Natalie Fox Lyon - Farmers Insurance
4937 28th Ave S, Minneapolis, MN 55417 -
Reliable Family Insurance Agency, Inc.
2147 University Avenue, #101, Saint Paul, MN 55114 -
Scott Mobley Agency Inc.
4915 W 35th St, Ste 107, Saint Louis Park, MN 55416 -
Pamela M Hanson - Farmers Insurance
4601 Excelsior Blvd, St Louis Park, MN 55416 -
Janessa S Albino-Jett - Farmers Insurance
801 Transfer Rd, Saint Paul, MN 55114 -
Jesse Daniel Menke - Farmers Insurance
810 Lilac Dr N, Golden Valley, MN 55422 -
State Farm
4801 Excelsior Boulevard, Saint Louis Park, MN 55416 -
Tom Schmitz
5619 Lake Street West, Saint Louis Park, MN 55416 -
Travis Marcellus - Farmers Insurance
2846 Johnson St NE, Minneapolis, MN 55418 -
Chris Budzius - State Farm
2175 Saint Clair Avenue, Saint Paul, MN 55105 -
State Farm
5821 Cedar Lake Road, Saint Louis Park, MN 55416 -
Bradley Reiland - Allstate
4907 Excelsior Blvd, Ste 101, Minneapolis, MN 55416 -
Allianz Investment Management
6051 Golden Hills Drive, Golden Valley, MN 55416 -
Preferred One
6105 Golden Hills Drive, Golden Valley, MN 55416 -
AAA Insurance
5400 Auto Club Way, Saint Louis Park, MN 55416 -
Marsh & McLennan Agency
6160 Golden Hills Drive, Golden Valley, MN 55416 -
Tom Buckholt - State Farm
254 Cleveland Ave S, Saint Paul, MN 55105 -
Local Life Insurance Specialist: Meet CARLOS COLLINS JR
5721 Nicollet Ave, Minneapolis, MN 55419
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Minneapolis
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,150 | −25% |
| Subaru Outback | Wagon | $1,160 | −24% |
| Tesla Model 3 | Midsize car | $1,590 | +4% |
| Subaru Forester | Small SUV | $1,140 | −26% |
| Honda Civic | Compact car | $1,715 | +12% |
| Toyota Corolla | Compact car | $1,610 | +5% |
| Jeep Wrangler | Midsize SUV | $1,235 | −20% |
| Mazda CX-5 | Small SUV | $1,280 | −17% |
| MINI Cooper | Subcompact car | $1,155 | −25% |
| Tesla Model Y | Midsize SUV | $1,430 | −7% |
Car insurance in nearby Minnesota cities
- St. Paul $1,495/yr · 8 mi
- Bloomington $1,430/yr · 10 mi
- Plymouth $1,435/yr · 10 mi
- Brooklyn Park $1,450/yr · 11 mi
- Woodbury $1,455/yr · 17 mi
- Rochester $1,340/yr · 76 mi
- Duluth $1,300/yr · 137 mi
All Minnesota cities and state rules · Homeowners insurance in Minneapolis
Frequently asked questions
How much is car insurance in Minneapolis, MN?
We estimate full coverage in Minneapolis at about $1,535 a year ($128 a month) for a driver in their 30s with a clean record, and about $540 for Minnesota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Minneapolis more expensive than the Minnesota average?
Our Minneapolis estimate is 15% higher than the statewide figure. The model reflects a population density of 7,937 people per square mile (the typical Minnesota resident lives at about 617) and an average commute of 22.0 minutes versus 22.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Minneapolis?
Drivers in Minneapolis follow Minnesota law: at least 30/60/10 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Minneapolis has the cheapest car insurance?
Among Minneapolis's 20 ZIP codes, 55402 has the lowest estimate (about $1,365 a year for full coverage) and 55454 the highest (about $1,610), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Minneapolis?
An 18-year-old with their own full-coverage policy would pay around $4,220 a year in Minneapolis by our estimate ($1,480 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Minneapolis?
Yes. FEMA's National Risk Index rates Hennepin County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Minneapolis?
We list 64 insurance offices in and around Minneapolis, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Minnesota Department of Commerce: Auto Insurance Guide
- Minnesota Statutes 65B.51 (tort action limitations)
- Minnesota Statutes 169.792 (proof of insurance for reinstatement)
- Minnesota Rules 7409.0100 (certificate of insurance)
- Minnesota Department of Commerce: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Minneapolis and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places