Car Insurance in Woodbury, Minnesota
Estimated full coverage in Woodbury runs about $1,455 a year ($121/month) — ▲ +9% versus the Minnesota average, ranking 3rd most expensive of the 8 Minnesota cities we cover.
Why car insurance in Woodbury costs more than the Minnesota average
Insurers price by territory, and Woodbury's numbers explain most of the gap. With 80,596 residents on 34.9 square miles, the city's density (2,310 people per square mile) is 3.7 times the density where the typical Minnesota resident lives (617). The average commute is 23.9 minutes (Minnesota: 22.7), and 61% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision.
| Factor | Woodbury | Minnesota ref. | Why it matters |
|---|---|---|---|
| Population density | 2,310 / sq mi | 617 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 23.9 min | 22.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 60.6% | — | Share of workers commuting by car. |
| Public transit to work | 1.1% | — | Transit use lowers how much residents drive. |
| Work from home | 27.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 2.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 92.7 | 92.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Woodbury
Rates can change from one ZIP code to the next. Across 2 Woodbury ZIP codes, our full-coverage estimate ranges from $1,445 in 55129 to $1,465 in 55125. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 55125 | 44,185 | 2,879 | 23.4 min | 2.9% | $1,465 | +1% |
| 55129 | 34,120 | 1,747 | 24.8 min | 2.3% | $1,445 | −1% |
Minimum car insurance in Woodbury
Woodbury 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 Woodbury at $510 a year, and $710 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 Woodbury 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 Washington County as relatively high for hail, relatively moderate for inland flooding and very high for strong wind.
Traffic & commuting
2.8% of Woodbury commuters spend an hour or more getting to work, and there are 1.96 vehicles per household. 27.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 94.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 94.4 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 83.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 98.3 | Comprehensive; dwelling | |
| Winter weather | 76.6 | 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 Woodbury by driver profile
A clean-record driver in their 50s pays the least in our Woodbury model (about $1,335 for full coverage); an 18-year-old on their own policy pays about $3,995, and a DUI pushes a 30-something to $2,690.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,405 | $1,960 | $3,995 | $333 |
| Young adult (22) | $820 | $1,140 | $2,325 | $194 |
| Adult in their 30s | $510 | $710 | $1,455 | $121 |
| Adult in their 50s | $470 | $655 | $1,335 | $111 |
| Senior (72) | $570 | $800 | $1,625 | $135 |
| 30s, one at-fault accident | $740 | $1,035 | $2,105 | $175 |
| 30s, DUI on record | $945 | $1,320 | $2,690 | $224 |
Minimum vs. standard vs. full coverage in Woodbury
| 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. | $510 | $43 | $420–$605 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $710 | $59 | $585–$840 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,455 | $121 | $1,190–$1,715 |
Estimate your premium in Woodbury
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Cheap car insurance in Woodbury: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Woodbury's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 27.4% of Woodbury workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $410 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $745 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $315 | 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 Woodbury
- 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 20 offices listed below.
- Check complaint records with the Minnesota Department of Commerce (complaint information) before you buy.
- Mention your ZIP code accurately — within Woodbury, our estimates differ by up to $20 a year between neighborhoods.
Car insurance agents near Woodbury, MN
We found 20 insurance offices within about 4 miles of central Woodbury, 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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Mike Theisen - State Farm
7455 Currell Blvd, Suite 106, Woodbury, MN 55125 -
Terry J Durbin - Farmers Insurance
1800 Wooddale Dr, Woodbury, MN 55125 -
Jake Edward Schumacher - Farmers Insurance
700 Commerce Dr, Woodbury, MN 55125 -
Katie S Olafson - Farmers Insurance
683 Bielenberg Dr, Woodbury, MN 55125 -
Scholl & Associates, Inc.
683 Bielenberg Dr, Ste 106, Woodbury, MN 55125 -
Craig Huerta - American Family Insurance
2042 Wooddale Dr, Ste 240, Woodbury, MN 55125 -
Duane Kriener - Farmers Insurance
680 Commerce Dr, Woodbury, MN 55125 -
Paul Gidley - American Family Insurance
670 Commerce Dr, Ste 230, Woodbury, MN 55125 -
Keith Kingsley Jenkins - Farmers Insurance
10075 City Walk Dr, Woodbury, MN 55129 -
Nicholas Hauer - Allstate
7876 Hudson Rd, Woodbury, MN 55125 -
Scott Johnson - Farmers Insurance
8673 Eagle Point Blvd, Lake Elmo, MN 55042 -
Sarrack & Associates, Inc
8615 Eagle Point Blvd, Lake Elmo, MN 55042 -
Rebecca Lynn Speed - Farmers Insurance
7825 3rd St N, Oakdale, MN 55128 -
James J Gissel - Farmers Insurance
600 Inwood Ave N, Saint Paul, MN 55128 -
Matt Jonza - State Farm
434 Hale Ave N, #160, Oakdale, MN 55128 -
Scott Roth - State Farm
984 Inwood Ave N, Oakdale, MN 55128 -
Luke Lehman - State Farm
6063 Hudson Road, Suite 140, Woodbury, MN 55125 -
Anthony Weston King - Farmers Insurance
2300 Hastings Ave, Newport, MN 55055 -
Troy Beugen - Allstate
7101 10th St N, Oakdale, MN 55128 -
RSI Agency
745 High Street, #3, Newport, MN 55055
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 Woodbury
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,090 | −25% |
| Subaru Outback | Wagon | $1,100 | −24% |
| Tesla Model 3 | Midsize car | $1,505 | +3% |
| Subaru Forester | Small SUV | $1,075 | −26% |
| Honda Civic | Compact car | $1,625 | +12% |
| Toyota Corolla | Compact car | $1,525 | +5% |
| Jeep Wrangler | Midsize SUV | $1,175 | −19% |
| Mazda CX-5 | Small SUV | $1,215 | −16% |
| MINI Cooper | Subcompact car | $1,095 | −25% |
| Tesla Model Y | Midsize SUV | $1,355 | −7% |
Car insurance in nearby Minnesota cities
- St. Paul $1,495/yr · 9 mi
- Minneapolis $1,535/yr · 17 mi
- Bloomington $1,430/yr · 20 mi
- Brooklyn Park $1,450/yr · 25 mi
- Plymouth $1,435/yr · 28 mi
- Rochester $1,340/yr · 65 mi
- Duluth $1,300/yr · 135 mi
All Minnesota cities and state rules · Homeowners insurance in Woodbury
Frequently asked questions
How much is car insurance in Woodbury, MN?
We estimate full coverage in Woodbury at about $1,455 a year ($121 a month) for a driver in their 30s with a clean record, and about $510 for Minnesota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Woodbury more expensive than the Minnesota average?
Our Woodbury estimate is 9% higher than the statewide figure. The model reflects a population density of 2,310 people per square mile (the typical Minnesota resident lives at about 617) and an average commute of 23.9 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 Woodbury?
Drivers in Woodbury follow Minnesota law: at least 30/60/10 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Woodbury has the cheapest car insurance?
Among Woodbury's 2 ZIP codes, 55129 has the lowest estimate (about $1,445 a year for full coverage) and 55125 the highest (about $1,465), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Woodbury?
An 18-year-old with their own full-coverage policy would pay around $3,995 a year in Woodbury by our estimate ($1,405 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Woodbury?
Yes. FEMA's National Risk Index rates Washington County for hail (relatively high) and tornado (relatively 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 Woodbury?
We list 20 insurance offices in and around Woodbury, 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 (Woodbury 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