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What is the average cost of car insurance in Minneapolis?

The typical Minneapolis driver pays $1,653 per year for auto insurance. That's pricier than the average in Minnesota ($1,319) and pricier than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Minneapolis.

Minneapolis Average (annual) Minnesota Average United States Average
$1,653 $1,319 $1,548

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Minneapolis car insurance premiums by provider

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Minneapolis's cheapest rates. See below the best companies for cheap auto insurance in Minneapolis — but don't forget to get personalized car insurance quotes to match your driving profile.

Insurer Average Yearly Rate
GEICO $1,109
AAA $1,247
State Farm $1,496
American Family $1,592
Progressive $1,950

Read our guide to finding the best cheap auto insurance.

Minneapolis auto insurance premiums by age

Minneapolis drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,439per year, on average. Those in their 60s don't pay significantly more ($1,535).

The Minneapolis drivers who face the priciest insurance rates are teenagers. When drivers hit their 20s in Minneapolis and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Minneapolis is $4,024. That's the biggest gap in premiums between any pair of age brackets.

Age group Average Annual Rate
Teenagers $6,221
20s $2,197
30s $1,636
40s $1,580
50s $1,439
60s $1,535
70s $1,871

Learn more about the impact of age on car insurance premiums.

Minneapolis auto insurance rates by marital status and gender

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Minneapolis pay $103 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Minneapolis, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Minneapolis, female drivers pay more for auto insurance than do male drivers: $88 per year, to be precise.

Gender/Marital Status Average Annual Rate
Female $1,741
Male $1,653
Single $1,550
Married $1,550
Divorced $1,653
Widowed $1,609

Learn more about the impact gender and marital status have on insurance rates.

Minneapolis car insurance premiums by accident and violation history

If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Minneapolis drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $962 per year versus the city average. A ticket for speeding results in a $434 rate hike while a DWI or DUI violation costs $936per year in extra insurance expenditures.

Incident Average Yearly Rate
DWI/DUI $2,589
Reckless Driving $2,615
At-fault Accident (damages < $1,000) $2,245
At-fault Accident (damages greater than $2,000) $2,390
Speeding Ticket (16-20 mph over speed limit) $2,087

Learn more about the impact of driving violations on car insurance rates.

Minneapolis auto insurance costs by credit level

It's no secret credit score is closely correlated with car insurance rates. Minneapolis drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Minneapolis, improving your credit to "Fair" could help you earn a $1,403 decrease in annual car insurance rates.

Credit Score Average Annual Rate
Very Poor $3,354
Fair $1,952
Good $1,653
Very Good $1,500
Exceptional $1,331

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

What drives up car insurance rates in Minneapolis?

Where you live in Minneapolis affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Minneapolis is no exception to the rule. From ZIP code 55437 to 55411, premiums rise by 43 percent—that's $694.

Expensive Minneapolis ZIP codes: 55487, 55488, 55454, 55486, 55411

Cheap Minneapolis ZIP codes: 55437, 55438, 55447, 55446, 55439

Minneapolis Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Minneapolis, you can expect 117 rainy days with an annual rainfall of 30.6 inches. Minneapolis is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Minneapolis

Major Highways
I-394 I-94 I-35W
Public Transit
METRO Metro Transit Bus
Toll Roads
I-35W I-394 I-94
Popular Day Trips
Lake Minnetonka Taylors Fall Red Wing

Minneapolis Car Insurance Companies Near Me

Allied Allstate American Family Auto-Owners Bristol West Cal Casualty Cinch Country Encompass Farm Bureau Mutual Farmers Farmers Union Insurance FIMC GEICO General Casualty Hippo Integrity Insurance Liberty Mutual Main Street America MetLife Nationwide Neptune Flood Insurance North Star Mutual Progressive Safeco State Auto State Farm Stillwater The General The Hartford Travelers Universal Property West Bend Mutual Western National Westfield

Find Local Minneapolis Agents

Dyste Williams Agency

6465 Wayzata Blvd, Ste 700, Minneapolis, MN 55426

Hays Companies

80 S 8th St, Ste 700, Minneapolis, MN 55402

AAA Minneapolis Insurance Agency

5400 Auto Club Way, Minneapolis, MN 55416

Moreno Agency- Innovative Insurance Services

4748 Chicago Ave, STE 2, Minneapolis, MN 55407

HomeServices Insurance

333 S 7Th St Ste 2420, Minneapolis, MN 55402


The average Minneapolitan's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 307 cups of coffee or $768 in savings

See How Much You Can Save in Minneapolis

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Should I work things out with the at fault driver instead of going through insurance?

We are sorry to hear that you were involved in an accident. If you and the at fault driver have agreed to have them pay for the damages out of pocket, that is within your rights.
May 23, 2022 Minneapolis, MN

Is there an age limit for a good student discount?

There is no way to say for sure outside of asking your specific insurance company. Most insurance providers that offer good student discounts have stipulations that may make you ineligible due to your age or the fact that you aren't covered on your parent's policy.
Apr 19, 2017 Minneapolis, MN

In the State of Minnesota, does a registered vehicle have to have insurance if it is not being driven?

Technically, if you have the vehicle registered then it's supposed to be insured, regardless of whether or not it's being driven. If you are wanting to remove insurance from a vehicle you're supposed to return the registration tags to your local registration office.
May 17, 2017 Minneapolis, MN

Does it cost more to insure a turbo engine vehicle than a non-engine car?

Most insurance companies will charge more for a turbo engine if the VIN identifies it as such — since it has more power and speed, the risk of a claim is going to increase. The same goes for luxury or modified vehicles.
Nov 18, 2019 Minneapolis, MN

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.