Car Insurance in Minneapolis

Minneapolis premiums, which exceed Minnesota's average by $355, are recognized for being pricey. Therefore in Minneapolis, it is vital to cut costs while insuring a vehicle. Who doesn't like to save money? Check out some methods to save on car insurance in Minneapolis.

  • City Average: $1,613
  • State Average: $1,258
  • National Average: $1,427

Minneapolis Car Insurance by Gender and Marital Status

In Minneapolis, both marital status and gender affect your car insurance premiums. $98 is the amount by which men's and women's car insurance premiums differ. Rates for those who are widowed or divorced are the same as rates for single individuals. On the other hand, being single can cost you roughly $110 more per year compared to being married.

  • Female: $1,711
  • Male: $1,613
  • Single: $1,613
  • Married: $1,502
  • Divorced: $1,613
  • Widowed: $1,613

Minneapolis Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers will see the biggest percent drop in premiums when they upgrade their credit from Fair (580-669) to Good (670-739). That change can save them 23% per year.

  • Very Poor: $3,343
  • Fair: $2,678
  • Good: $2,068
  • Very Good: $1,699
  • Exceptional: $1,380

Minneapolis Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Minneapolis need to spend $1,019 more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with typical rates of $2,410, which are 49% higher than the city average. For individuals in Minneapolis with at-fault accidents, $857 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $2,632
  • Reckless Driving: $2,410
  • At-fault Accident (damages less than $1000): $2,470
  • At-fault Accident (damages greater than $2000): $2,470
  • Speeding Ticket (16-20 mph over speed limit): $2,017

Minneapolis Car Insurance by Age

Among all age groups, drivers in their 50s have the smallest car insurance payments, with rates of $1,412. The largest drop in premiums for Minneapolis drivers happens when they reach their 20s. Once out of the teenage age bracket, they save an average of 67% annually. The first time drivers can expect their age to trigger a rise in rates is when they turn 60. With car insurance payments of $6,677 on average, teenage drivers have the largest premiums of any age group.

  • Teenagers: $6,677
  • 20s: $2,214
  • 30s: $1,590
  • 40s: $1,529
  • 50s: $1,412
  • 60s: $1,512
  • 70s: $1,834

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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.


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

Car Insurance Companies in Minneapolis

Find Local Minneapolis Agents

Hays Companies

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

Dyste Williams Agency

6465 Wayzata Blvd, Ste 700 Minneapolis, MN 55426

Moreno Agency- Innovative Insurance Services

4748 Chicago Ave, STE 2 Minneapolis, MN 55407

AAA Minneapolis Insurance Agency

5400 Auto Club Way Minneapolis, MN 55416

HomeServices Insurance

333 S 7Th St Ste 2420 Minneapolis, MN 55402

See All

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Saint Paul


The average Minneapolitan's annual cost of coverage


Our customer's average savings after comparing insurance


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Minneapolis Car Insurance

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