Minneapolis is known across the country for its notorious winters. The city’s residents live and drive in snowy, icy conditions that make reliable car insurance a must-have. But it’s important to balance robust coverage that matches your driving habits with affordability.
We’ve compiled Minneapolis car insurance rate data from real Jerry customers to show you how different factors affect car insurance costs, including your driving record, age and vehicle type.
Cheapest minimum coverage insurance in Minneapolis
In Minnesota, the minimum auto insurance requirements are:
- Bodily injury liability covers $30,000 per person and $60,000 per accident.
- Property damage liability provides $10,000 per accident.
- Uninsured/underinsured motorist bodily injury includes $25,000 per person and $50,000 per accident.
- Personal injury protection (PIP) offers $40,000 in coverage.
Compare these rates from Minneapolitans who got quotes for minimum coverage from Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $488 | Progressive | 31 | December 4, 2024 | Minneapolis, MN | 55406 |
| $45 | $534 | Progressive | 29 | November 20, 2024 | Minneapolis, MN | 55413 |
| $48 | $574 | Progressive | 29 | October 30, 2024 | Minneapolis, MN | 55413 |
| $49 | $584 | Progressive | 80 | October 8, 2024 | Minneapolis, MN | 55434 |
| $51 | $609 | Progressive | 29 | October 13, 2024 | Minneapolis, MN | 55414 |
| $52 | $629 | Progressive | 40 | December 27, 2024 | Minneapolis, MN | 55414 |
| $53 | $634 | National General | 45 | May 26, 2024 | Minneapolis, MN | 55432 |
| $53 | $638 | Progressive | 50 | August 26, 2024 | Minneapolis, MN | 55423 |
| $55 | $664 | Safeco | 41 | January 5, 2024 | Minneapolis, MN | 55423 |
| $57 | $680 | Progressive | 28 | June 30, 2024 | Minneapolis, MN | 55406 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Minneapolis
The minimum coverage may not be enough if you’re worried about vehicle theft, animal collisions or falling objects. While collision insurance covers you if the city’s slick winter conditions cause an accident, comprehensive insurance provides protection if your vehicle is damaged by something other than a vehicle collision. For example, if you hit a deer or a snow-packed tree branch falls onto your car, comprehensive insurance kicks in to help cover the cost of repairs.
Here are some of the cheapest quotes for full coverage insurance that Jerry customers in Minneapolis have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $488 | Progressive | 31 | December 4, 2024 | Minneapolis, MN | 55406 |
| $51 | $609 | Progressive | 29 | October 13, 2024 | Minneapolis, MN | 55414 |
| $52 | $629 | Progressive | 40 | December 27, 2024 | Minneapolis, MN | 55414 |
| $57 | $682 | Progressive | 47 | August 26, 2024 | Minneapolis, MN | 55406 |
| $57 | $682 | Progressive | 58 | July 20, 2024 | Minneapolis, MN | 55429 |
| $58 | $694 | Progressive | 58 | December 8, 2024 | Minneapolis, MN | 55406 |
| $59 | $708 | Progressive | 44 | January 12, 2025 | Minneapolis, MN | 55406 |
| $60 | $720 | Progressive | 22 | December 18, 2024 | Minneapolis, MN | 55434 |
| $64 | $764 | Progressive | 32 | October 15, 2024 | Minneapolis, MN | 55437 |
| $66 | $786 | National General | 60 | October 17, 2024 | Minneapolis, MN | 55433 |
Cheapest car insurance for young drivers in Minneapolis (18-29 years old)
Drivers between 18 and 29 years old often pay higher rates than older drivers, but that doesn’t mean affordable coverage is out of reach. Here are the cheapest quotes young Jerry customers have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $45 | $534 | Progressive | 29 | No | November 20, 2024 | Minneapolis, MN | 55413 |
| $48 | $574 | Progressive | 29 | No | October 30, 2024 | Minneapolis, MN | 55413 |
| $51 | $609 | Progressive | 29 | Yes | October 13, 2024 | Minneapolis, MN | 55414 |
| $57 | $680 | Progressive | 28 | No | June 30, 2024 | Minneapolis, MN | 55406 |
| $60 | $720 | Progressive | 22 | Yes | December 18, 2024 | Minneapolis, MN | 55434 |
Cheapest car insurance for mature drivers in Minneapolis (30-54 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $488 | Progressive | 31 | Yes | December 4, 2024 | Minneapolis, MN | 55406 |
| $52 | $629 | Progressive | 40 | Yes | December 27, 2024 | Minneapolis, MN | 55414 |
| $53 | $634 | National General | 45 | No | May 26, 2024 | Minneapolis, MN | 55432 |
| $53 | $638 | Progressive | 50 | No | August 26, 2024 | Minneapolis, MN | 55423 |
| $55 | $664 | Safeco | 41 | No | January 5, 2024 | Minneapolis, MN | 55423 |
Cheapest car insurance for older drivers (55+ years old)
Here are the most affordable rates older drivers in Minneapolis have been quoted, based on data from real Jerry customers.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $584 | Progressive | 80 | No | October 8, 2024 | Minneapolis, MN | 55434 |
| $57 | $682 | Progressive | 58 | Yes | July 20, 2024 | Minneapolis, MN | 55429 |
| $58 | $694 | Progressive | 58 | Yes | December 8, 2024 | Minneapolis, MN | 55406 |
| $66 | $786 | National General | 60 | Yes | October 17, 2024 | Minneapolis, MN | 55433 |
| $70 | $846 | National General | 59 | Yes | February 28, 2025 | Minneapolis, MN | 55426 |
Cheapest car insurance for drivers with a clean record in Minneapolis
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $488 | Progressive | 31 | December 4, 2024 | Yes | Minneapolis, MN | 55406 |
| $49 | $584 | Progressive | 80 | October 8, 2024 | No | Minneapolis, MN | 55434 |
| $51 | $609 | Progressive | 29 | October 13, 2024 | Yes | Minneapolis, MN | 55414 |
| $52 | $629 | Progressive | 40 | December 27, 2024 | Yes | Minneapolis, MN | 55414 |
| $53 | $634 | National General | 45 | May 26, 2024 | No | Minneapolis, MN | 55432 |
Cheapest car insurance for drivers with a low credit score in Minneapolis
A low credit score may lead to higher car insurance rates. Here are some real rate quotes from Jerry customers in Minneapolis.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $76 | $912 | National General | 53 | October 26, 2024 | Minneapolis, MN | 55433 |
| <550 | $81 | $970 | The General | 34 | January 28, 2025 | Minneapolis, MN | 55418 |
| <550 | $86 | $1,034 | Progressive | 59 | February 25, 2025 | Minneapolis, MN | 55448 |
| <550 | $87 | $1,044 | Progressive | 34 | January 28, 2025 | Minneapolis, MN | 55418 |
| <550 | $93 | $1,116 | Progressive | 45 | September 27, 2024 | Minneapolis, MN | 55423 |
Cheapest car insurance for drivers with at-fault accidents in Minneapolis
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At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $45 | $534 | Progressive | 29 | No | November 20, 2024 | Minneapolis, MN | 55413 |
| At Fault With No Injury | $48 | $574 | Progressive | 29 | No | October 30, 2024 | Minneapolis, MN | 55413 |
| At Fault With No Injury | $57 | $682 | Progressive | 58 | Yes | July 20, 2024 | Minneapolis, MN | 55429 |
| At Fault With No Injury | $57 | $682 | Progressive | 47 | Yes | August 26, 2024 | Minneapolis, MN | 55406 |
| At Fault With No Injury | $64 | $764 | Progressive | 32 | Yes | October 15, 2024 | Minneapolis, MN | 55437 |
Cheapest car insurance for drivers with a speeding ticket in Minneapolis
|
Violation Summary
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Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $75 | $894 | National General | 62 | January 17, 2025 | Minneapolis, MN | 55419 |
| Speeding under 15 | $79 | $948 | National General | 30 | July 13, 2024 | Minneapolis, MN | 55401 |
| Speeding over 15 | $81 | $970 | Progressive | 31 | May 12, 2024 | Minneapolis, MN | 55445 |
| Speeding over 15 | $82 | $984 | Progressive | 52 | December 27, 2024 | Minneapolis, MN | 55420 |
| Speeding over 15 | $85 | $1,016 | National General | 62 | January 3, 2025 | Minneapolis, MN | 55419 |
Cheapest car insurance for drivers with a DUI in Minneapolis
Here are some of the cheapest quotes for drivers in Minneapolis with a DUI on their record, based on real Jerry quotes.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $126 | $1,508 | The General | 43 | September 22, 2024 | Minneapolis, MN | 55429 |
| DUI | $129 | $1,550 | National General | 27 | October 24, 2024 | Minneapolis, MN | 55435 |
| DUI | $135 | $1,620 | National General | 26 | July 7, 2024 | Minneapolis, MN | 55434 |
| DUI | $151 | $1,812 | National General | 43 | September 22, 2024 | Minneapolis, MN | 55429 |
| DUI | $156 | $1,866 | National General | 40 | December 25, 2024 | Minneapolis, MN | 55429 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
