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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $50 | $600 | Progressive | 29 | April 12, 2025 | Minneapolis, MN | 55414 |
| $53 | $638 | Progressive | 50 | August 26, 2024 | Minneapolis, MN | 55423 |
| $57 | $682 | Progressive | 58 | July 20, 2024 | Minneapolis, MN | 55429 |
| $60 | $719 | Progressive | 37 | December 4, 2024 | Minneapolis, MN | 55413 |
| $60 | $720 | Progressive | 22 | December 18, 2024 | Minneapolis, MN | 55434 |
| $66 | $794 | Progressive | 24 | October 11, 2024 | Minneapolis, MN | 55422 |
| $70 | $836 | Bristol West | 44 | April 13, 2024 | Minneapolis, MN | 55423 |
| $70 | $838 | National General | 59 | February 28, 2025 | Minneapolis, MN | 55426 |
| $71 | $852 | Progressive | 60 | October 17, 2024 | Minneapolis, MN | 55433 |
| $72 | $862 | Progressive | 23 | March 9, 2025 | Minneapolis, MN | 55425 |
If you have a loan or lease on your vehicle, the lender will require
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $44 | $528 | Progressive | 36 | March 31, 2025 | Minneapolis, MN | 55422 |
| $57 | $682 | Progressive | 58 | July 20, 2024 | Minneapolis, MN | 55429 |
| $58 | $696 | Progressive | 44 | January 12, 2025 | Minneapolis, MN | 55406 |
| $60 | $720 | Progressive | 22 | December 18, 2024 | Minneapolis, MN | 55434 |
| $66 | $794 | Progressive | 24 | October 11, 2024 | Minneapolis, MN | 55422 |
| $70 | $838 | National General | 59 | February 28, 2025 | Minneapolis, MN | 55426 |
| $71 | $852 | Progressive | 60 | October 17, 2024 | Minneapolis, MN | 55433 |
| $72 | $862 | Progressive | 23 | March 9, 2025 | Minneapolis, MN | 55425 |
| $74 | $884 | Progressive | 34 | January 9, 2025 | Minneapolis, MN | 55407 |
| $74 | $886 | Progressive | 41 | September 15, 2024 | Minneapolis, MN | 55415 |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $50 | $600 | Progressive | 29 | No | April 12, 2025 | Minneapolis, MN | 55414 |
| $60 | $720 | Progressive | 22 | Yes | December 18, 2024 | Minneapolis, MN | 55434 |
| $66 | $794 | Progressive | 24 | Yes | October 11, 2024 | Minneapolis, MN | 55422 |
| $72 | $862 | Progressive | 23 | Yes | March 9, 2025 | Minneapolis, MN | 55425 |
| $77 | $926 | Progressive | 29 | Yes | April 16, 2025 | Minneapolis, MN | 55410 |
Cheapest car insurance for mature drivers in Minneapolis (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $44 | $528 | Progressive | 36 | Yes | March 31, 2025 | Minneapolis, MN | 55422 |
| $48 | $582 | Safeco | 30 | No | November 7, 2022 | Minneapolis, MN | 55414 |
| $51 | $606 | Bristol West | 34 | No | January 7, 2023 | Minneapolis, MN | 55444 |
| $51 | $614 | Progressive | 32 | No | May 10, 2021 | Minneapolis, MN | 55428 |
| $51 | $614 | Travelers | 51 | No | December 1, 2021 | Minneapolis, MN | 55445 |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $501 | Safeco | 55 | No | June 14, 2022 | Minneapolis, MN | 55433 |
| $50 | $600 | Kemper | 56 | No | January 26, 2020 | Minneapolis, MN | 55427 |
| $56 | $673 | Safeco | 61 | No | February 19, 2022 | Minneapolis, MN | 55407 |
| $57 | $682 | Progressive | 58 | Yes | July 20, 2024 | Minneapolis, MN | 55429 |
| $70 | $838 | National General | 59 | Yes | February 28, 2025 | Minneapolis, MN | 55426 |
Cheapest car insurance for drivers with a clean record in Minneapolis
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $501 | Safeco | 55 | June 14, 2022 | No | Minneapolis, MN | 55433 |
| $44 | $528 | Progressive | 36 | March 31, 2025 | Yes | Minneapolis, MN | 55422 |
| $49 | $582 | Progressive | 29 | May 6, 2021 | No | Minneapolis, MN | 55403 |
| $50 | $600 | Kemper | 56 | January 26, 2020 | No | Minneapolis, MN | 55427 |
| $51 | $606 | Bristol West | 34 | January 7, 2023 | No | Minneapolis, MN | 55444 |
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
|
Monthly Quote
|
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 | $86 | $1,036 | The General | 47 | March 26, 2025 | Minneapolis, MN | 55436 |
| <550 | $87 | $1,048 | National General | 64 | July 20, 2024 | Minneapolis, MN | 55434 |
Cheapest car insurance for drivers with at-fault accidents in Minneapolis
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $46 | $554 | Progressive | 29 | No | December 29, 2022 | Minneapolis, MN | 55421 |
| At Fault With No Injury | $48 | $582 | Safeco | 30 | No | November 7, 2022 | Minneapolis, MN | 55414 |
| At Fault With No Injury | $55 | $660 | Progressive | 36 | No | February 5, 2022 | Minneapolis, MN | 55414 |
| At Fault With No Injury | $57 | $680 | Bristol West | 54 | No | June 3, 2022 | Minneapolis, MN | 55435 |
| At Fault With No Injury | $57 | $682 | Progressive | 58 | Yes | July 20, 2024 | Minneapolis, MN | 55429 |
Cheapest car insurance for drivers with a speeding ticket in Minneapolis
|
Violation Summary
|
Monthly Quote
|
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 over 15 | $106 | $1,272 | National General | 35 | August 31, 2024 | Minneapolis, MN | 55447 |
| Speeding under 15 | $114 | $1,364 | The General | 28 | January 5, 2024 | Minneapolis, MN | 55439 |
| Speeding over 15 | $120 | $1,440 | National General | 37 | October 14, 2024 | Minneapolis, MN | 55432 |
| Speeding over 15 | $140 | $1,684 | National General | 31 | November 4, 2024 | Minneapolis, MN | 55445 |
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
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $135 | $1,620 | National General | 26 | July 7, 2024 | Minneapolis, MN | 55434 |
| DUI | $156 | $1,866 | National General | 40 | December 25, 2024 | Minneapolis, MN | 55429 |
| DUI | $180 | $2,160 | Progressive | 63 | April 27, 2025 | Minneapolis, MN | 55412 |
| DUI | $186 | $2,234 | The General | 30 | January 3, 2024 | Minneapolis, MN | 55434 |
| DUI | $220 | $2,634 | National General | 34 | August 15, 2024 | Minneapolis, MN | 55421 |
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.
