Twinned with the state capital at St. Paul, Minneapolis might just be the nicest major city in the U.S. The North Star State’s “City of Lakes” is known for its waterscapes, malls, and of course the Jucy Lucy burger.

But Minneapolis is also a hot spot for high

car insurance

rates, with average prices roughly 30% higher than the state average. The average cost of full coverage car insurance in Minneapolis is $171 per month, or $2,056 per year, while state minimum coverage comes in at $89 per month, or $1,067 per year. By contrast, the

Minnesota

average is just $805 per year for minimum coverage and $1,600 per year for full coverage.

Struggling to find an affordable car insurance policy in the Twin Cities?

Jerry

offers free

auto insurance quotes

tailored to your profile, and we’ve done the math on the car insurance market in Minneapolis.

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$125	Louis, 37 Zip: 55401	Mazda 3 Grand Touring	• 50,000/100,000 Liability • Comp / Collision
Nationwide	$178	Bill, 44 Zip: 55422	Honda Accord EXL	• 250,000/500,000 Liability • Comp / Collision
Allstate	$114	Trevor, 29 Zip: 55428	Nissan Versa S	• 15,000/30,000 Liability • Comp / Collision
Travelers	$134	Lula, 38 Zip: 55443	Infiniti QX60	• 100,000/300,000 Liability • Comp / Collision
State Auto	$133	Fanny, 38 Zip: 55427	Mazda 6 Sport	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 10, 2024

Compare car insurance quotes now

Best car insurance companies in Minneapolis

To help drivers narrow down the best and cheapest car insurance companies in Minneapolis, Jerry conducted a nationwide survey of 15,000 drivers to find the providers who offer reliable claims handling, easy policy management, and rock-solid customer service in addition to affordable rates.

Insurance company	Average annual full coverage rate in Minneapolis	Jerry user rating
Travelers	$1,484	4.5 stars
Safeco	$1,540	4.5 stars
Nationwide	$1,516	4.3 stars
Kemper Preferred	$1,488	4.2 stars
AAA	$1,727	4.2 stars
Progressive	$1,736	4.2 stars
Allstate	$2,005	4.1 stars

Some major auto insurance companies, such as GEICO and State Farm, offer low rates for drivers in Minneapolis but received lower customer satisfaction scores in our survey. The only way to find the best provider for your profile is to compare personalized quotes from different companies.

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Minneapolis

Every single driver in the Land of 10,000 Lakes is legally required to carry a specified amount of liability coverage—but, in most circumstances, we highly recommend adding additional types of coverage as a safety net. Jerry’s insurance agents advise that all drivers in Minneapolis carry full coverage car insurance along with liability limits of at least 100k/300k/100k and add-ons like roadside assistance.

Cheap minimum liability insurance quotes in Minneapolis

Like most U.S. states,

Minnesota car insurance law

requires all drivers to meet all minimum car insurance requirements before hitting the road. This includes the following:

$30,000 of

bodily injury liability

per person

$60,000 of bodily injury liability per accident

$10,000 in

property damage liability

per accident

$40,000 in

personal injury protection (PIP)

$25,000 per person and $50,000 per accident in

uninsured/underinsured motorist coverage

Jerry has helped car drivers in Minneapolis who use Jerry to secure affordable minimum liability insurance plans.

Progressive

Dominic (22 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55407)

Honda Civic Sport

$200

per month

Allstate

Katharine (36 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55427)

Mercedes-Benz GLK 350 4matic

$103

per month

Travelers

Jimmy (40 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55434)

Jeep Renegade Latitude

$178

per month

Safeco

Henry (31 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55432)

Chevrolet Equinox LT

$106

per month

National General

Milton (65 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55429)

Chrysler 300 S

$93

per month

Do you need more than minimum coverage in Minneapolis?

Most drivers in Minneapolis need an auto insurance policy with comprehensive and collision coverage on top of liability, uninsured motorist coverage, and PIP.

State minimum Minnesota auto insurance can leave you underinsured in a wide variety of circumstances, from a major at-fault accident to any incident that damages your vehicle. Severe winter weather, rising auto theft rates, and dangerous driving all make robust car insurance coverage a non-negotiable in the Twin Cities.

Cheap full coverage car insurance quotes in Minneapolis

Full coverage

isn’t legally required in Minneapolis, but it will provide valuable coverage if you happen to be injured—or your vehicle happens to be damaged—in an at-fault accident.

Full coverage includes

comprehensive

and

collision coverage

. Collision coverage provides financial assistance for repairing or replacing your vehicle that has been damaged in an accident.

On the other hand, comprehensive coverage offers coverage for damages caused by almost everything else—vandalism, environmental factors, and even theft.

Remember that if you lease or finance a vehicle, your auto loan provider will likely require you to maintain full coverage until your loan is paid off.

We’ve helped our users in Minneapolis, Minnesota, secure affordable full coverage policies.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$125	Louis, 37 Zip: 55401	Mazda 3 Grand Touring
• 15,000/30,000 Liability • Comp / Collision	Allstate	$114	Trevor, 29 Zip: 55428	Nissan Versa S
• 250,000/500,000 Liability • Comp / Collision	Nationwide	$178	Bill, 44 Zip: 55422	Honda Accord EXL
• 100,000/300,000 Liability • Comp / Collision	Travelers	$134	Lula, 38 Zip: 55443	Infiniti QX60
• 100,000/300,000 Liability • Comp / Collision	State Auto	$133	Fanny, 38 Zip: 55427	Mazda 6 Sport

Last Updated Sep 10, 2024

Average cost of car insurance in Minneapolis

While Minnesota auto insurance rates are well below the national average, Minneapolis goes against the state trend with rates considerably higher than both the state and national averages. Drivers in Minneapolis pay around $171 per month for full coverage and $89 per month for state minimum auto insurance coverage.

Minneapolis drivers also pay slightly more for car insurance than drivers in St. Paul.

Coverage type	Minneapolis	St. Paul	Minnesota	United States
Full coverage	$2,065	$2,055	$1,600	$1,985
Minimum coverage	$1,067	$988	$805	$928

Why is car insurance more expensive in Minneapolis? It comes down to a couple of key factors that set the city apart from the rest of the state, including its sister city: auto thefts and dangerous driving.

Minneapolis has a serious—and growing—car theft problem

In 2021, the National Insurance Crime Bureau (NICB) listed Minneapolis at #60 on its list of car theft hot spots. In 2022, the city jumped up to #46, with a 10% increase in total cars stolen—and in 2023, auto theft ran out of control in Minneapolis.2

In July 2023, the Council on Criminal Justice (CCJ) reported a 77% jump in motor vehicle theft in Minneapolis from the first half of 2022 to the first half of 2023.3 Later in the year, Minneapolis police reported that the city was on track to break the record it had set the previous year, with a total of 6,114 reported car thefts from January to September.4

Rampant auto theft is a major red flag for insurers, who raise comprehensive insurance rates in areas with recorded theft spikes. If you regularly park your car within Minneapolis city limits, the motor vehicle theft trend could be driving your costs up.

Dangerous driving is on the rise in Hennepin County

According to the Minnesota Department of Public Safety’s Office of Traffic Safety, car accidents decreased by 22% from 2018 to 2022.5 But in the same time frame, fatal crashes have increased by 15%.

Year	Fatal crashes	Injury crashes	PDO crashes	Total crashes	Killed	Injured
2022	60	4,822	14,036	18,918	61	6,415
2021	68	4,830	12,200	17,098	74	6,610
2020	41	4,231	11,296	15,568	46	5,760
2019	38	5,895	18,007	23,940	38	7,964
2018	52	6,033	18,286	24,371	57	8,179

In other words, a much higher percentage of Minneapolis’s car crashes are fatal today than they were five years ago—which means that insurance claims are larger than ever before. As claims grow, insurers are raising premiums to meet their higher financial needs.

Average cost of car insurance in Minneapolis by zip code

When determining your car insurance annual premium, insurance companies consider several factors, including the location where you keep your vehicle.

Insurance costs can vary depending on population density, accident rates, crime statistics, and weather conditions. Insurance premiums can differ among zip codes, even within the same city.

Discover how Jerry Insurance Agency has supported drivers in different cities across Minneapolis and Minnesota in fulfilling their insurance needs.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
55401	$62	$163
55403	$89	$190
55404	$133	$223
55409	$79	$109
55411	$115	$212
55412	$85	$165
55413	$85	$172
55414	$86	$190
55417	$120	$128
55418	$106	$162
55442	$77	$77
55447	$50	$138

Compare car insurance costs in other states

North Dakota car insurance

South Dakota car insurance

Iowa car insurance

Wisconsin car insurance

Nebraska car insurance

Michigan car insurance

Illinois car insurance

Kansas car insurance

Car insurance quotes in Minneapolis by rating factors

When

calculating your premium

, Minneapolis auto insurers consider several factors, such as:

Driving history and claims: Insurance providers may charge you higher rates if you have a record of accidents or traffic violations.

Location: Insurance rates tend to be higher for drivers residing in cities than those in rural areas. Different ZIP codes within the same city may also have varying insurance rates.

Vehicle type: Luxury, high-performance, and sports cars generally come with higher insurance costs for collision and comprehensive coverage.

Vehicle usage: Insurance companies may charge higher premiums if you use your car for commuting to work or if you have a higher annual mileage than leisure usage.

Credit score: A good credit score is often associated with lower insurance premiums, as it indicates financial responsibility.

Keep in mind that these factors can differ among insurance providers. Therefore, it is recommended to directly contact insurance companies or use an online comparison tool to get personalized quotes that suit your needs.

How do different factors impact your car insurance costs in Minneapolis?

Allowed (with applicable limitations): Driving experience, gender, age, occupation, credit history, education, marital status.

Prohibited (or effectively prohibited): Employment status, residential status.

Learn more about the car insurance rating factors in Minneapolis:

Cheap car insurance quotes in Minneapolis after driving violations

Your driving history is crucial in determining the quotes for your auto insurance. If insurance companies notice a history of violations, they perceive you as a higher-risk driver, and you’ll be charged higher insurance premiums.

Some of the most common traffic violations that can increase your car insurance rates include:

Speeding

DUIs

At fault accidents

Reckless driving

Cheapest car insurance in Minneapolis after speeding ticket

The law generally classifies speeding violations in terms of various levels depending on how much the speed limit was exceeded. Levels generally include:

1-5 mph over the limit

6-10 mph over the limit

11-15 mph over the limit

16-20 mph over the limit

Anything beyond 30 mph over the limit is automatically considered

reckless driving in Minnesota

Although a speeding ticket will likely increase your Minneapolisinsurance premiums, Jerry is a great tool for keeping costs as low as possible.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 11-15	Progressive	$219	Ivan, 22 Zip: 55432	Nissan Sentra S	• 100,000/300,000 Liability • Comp / Collision
Speeding 16-20	Travelers	$233	Ollie, 30 Zip: 55404	BMW X5 M50i	• 100,000/300,000 Liability • Comp / Collision
Speeding 21+	Bristol West	$108	Cody, 58 Zip: 55434	Chevrolet Cruze LTZ	• 100,000/300,000 Liability

Last Updated Sep 10, 2024

Cheapest car insurance in Minneapolis after DUI

DUI violations in Minnesota

typically lead to a more substantial increase in car insurance rates than other violations.

It is often a good idea to compare rates from multiple insurers to find the most affordable options after a DUI, and Jerry can make hunting for the cheapest provider much simpler.

Progressive

Glen (29 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Minneapolis, MN
(Zip Code: 55414)

GMC Yukon XL Denali

$112

per month

Safeco

Flora (53 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55432)

Chrysler Town & Country Touring

$71

per month

Bristol West

Steve (26 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Minneapolis, MN
(Zip Code: 55418)

Chevrolet Equinox LS

$362

per month

Cheapest car insurance in Minneapolis after an at-fault accident

Your car insurance rates are significantly influenced by your car accident or claim history.

Insurance companies carefully review your past at-fault accidents to assess the level of risk you represent as an insured individual. If you have recently been involved in an at-fault accident, your car insurance rates can experience a substantial increase.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$95	Connor, 67 Zip: 55410	Lexus ES 330	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Safeco	$142	Juan, 27 Zip: 55438	Toyota Tacoma Double Cab	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Allstate	$147	Belle, 25 Zip: 55430	Honda Pilot EXL	• 50,000/100,000 Liability
At Fault With No Injury	Travelers	$310	Derrick, 33 Zip: 55414	Tesla Model 3	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 9, 2024

Cheapest car insurance in Minneapolis after other driving violations

In addition to speeding tickets and DUIs, other infractions, such as careless driving and driving with a

suspended license

, can also lead to higher car insurance expenses in Minneapolis.

We’ve helped drivers in Minneapolis discover ways to save on their car insurance, even if they have offenses on their Minnesota driving record.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$85	Bertha, 40 Zip: 55407	Hyundai Sonata SE	• State Minimum Liability
Failure to Obey Signal	Safeco	$140	Eddie, 28 Zip: 55416	Toyota Camry XSE	• 100,000/300,000 Liability • Comp / Collision
Cell Phone	Bristol West	$208	Fred, 25 Zip: 55448	Toyota Camry LE	• State Minimum Liability
Careless Driving	Safeco	$294	Nathaniel, 31 Zip: 55406	Pontiac Vibe	• 100,000/300,000 Liability
Driving on Sus. License	Bristol West	$218	Maria, 30 Zip: 55444	Dodge Avenger SE	• 100,000/300,000 Liability
Failure to Stop	Nationwide	$142	Hilda, 40 Zip: 55407	Hyundai Sonata SE	• State Minimum Liability • Comp / Collision
Improper Passing	Progressive	$160	Eunice, 27 Zip: 55431	Jeep Renegade Latitude	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 6, 2024

Cheap car insurance quotes in Minneapolis by age

Due to their limited driving experience,

insurance rates for young drivers

are often significantly high. However, as individuals age 25, their insurance rates generally decrease. Once individuals reach the age of 75, car insurance costs tend to rise again.

Cheapest car insurance in Minneapolis for young drivers

In Minnesota, the age group of 16 to 19 typically faces the highest insurance rates compared to other age groups.

For teen drivers who own newer vehicles, it is advisable to consider opting for full coverage insurance. Why? Teens are more likely to be involved in accidents than other age groups. Full coverage insurance provides greater financial protection in such situations.

We know

finding affordable insurance as a teen

can be tricky—that’s why Jerry is here. See how we helped Minneapolis teens find the perfect insurance policy.

Progressive

Dominic (22 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55407)

Honda Civic Sport

$200

per month

Allstate

Rhoda (23 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55433)

Acura RL

$148

per month

Travelers

Alejandro (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55433)

Honda Crosstour EXL

$178

per month

Safeco

Sadie (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Minneapolis, MN
(Zip Code: 55429)

Infiniti Q50

$119

per month

State Auto

Ray (21 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Minneapolis, MN
(Zip Code: 55430)

Ford Edge SE

$390

per month

Cheapest car insurance in Minneapolis for senior drivers

Typically, we see higher

car insurance rates for seniors

in their mid-70s and older. Older drivers have a heightened susceptibility to accidents and are more likely to sustain severe injuries in the event of a collision.

Consequently, insurance providers face substantial medical expenses and higher costs, resulting in elevated car insurance rates.

Progressive

Bernard (67 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55417)

Lincoln MKX

$128

per month

Nationwide

Bruce (71 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55430)

Ford Taurus SEL

$93

per month

Safeco

Alexander (67 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55421)

Ford Escape Titanium

$97

per month

Travelers

Hannah (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Minneapolis, MN
(Zip Code: 55433)

Honda CR-V EX

$83

per month

National General

Milton (65 years old)

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55429)

Chrysler 300 S

$93

per month

Cheap car insurance quotes in Minneapolis based on insurance history

Your insurance history is a significant factor in determining your car insurance rates, especially in terms of whether you currently have coverage or not. Typically, having a

gap in your insurance coverage

leads to higher insurance rates.

Jerry sends payment reminders to eligible customers to support Minneapolis drivers in making timely insurance payments and preventing coverage gaps. These reminders are sent when a payment is approaching or if they have fallen behind on their payments.

We’ve helped many customers who are currently uninsured or have experienced coverage lapses in finding opportunities to save on a new policy.

Progressive

Ida (37 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55401)

Mazda 3 Grand Touring

$125

per month

Allstate

Isaac (42 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55401)

Honda Accord Sport Special Edition

$127

per month

Safeco

Peter (31 years old)

Currently Insured

Coverage

State Minimum

Minneapolis, MN
(Zip Code: 55432)

Chevrolet Equinox LT

$106

per month

Travelers

Leon (38 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55443)

Infiniti QX60

$134

per month

Mercury

Myra (42 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Minneapolis, MN
(Zip Code: 55401)

Honda Accord Sport Special Edition

$170

per month

Finding cheap car insurance in Minneapolis: Hear from real drivers

My experience with Jerry and Progressive was awesome. No issues with the insurance at all and using Jerry helped me cost-compare without an official quote, which usually comes with TONS of phone calls from salespersons.

Kyle J., Minneapolis, MN

Shopped around and they had the best prices. And for full coverage you can’t beat that.

Robin G., St. Paul, MN

I found out about Jerry on YouTube and fell in love they have hooked me up with amazing deals and have the best customer service.

Felix N., Crystal, MN

Cheap car insurance quotes in Minneapolis for drivers with poor credit

In Minneapolis, Minnesota, individuals with lower credit scores often face higher insurance costs than those with higher credit ratings, even though credit scores do not directly indicate driving proficiency. Insurance companies have observed a relationship between low credit scores and an increased frequency of filed claims by drivers.

In fact, a recent study by the Consumer Federation of America (CFA) found that drivers in Minnesota with poor credit pay approximately 172% more for the same coverage limits than drivers with excellent credit scores.6

See how Jerry has helped Minneapolis drivers with poor credit find cheap car insurance.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$185	Agnes, 26 Zip: 55420	Honda Accord EXL	• 100,000/300,000 Liability
660 - 750	Safeco	$106	Cornelia, 31 Zip: 55432	Chevrolet Equinox LT	• State Minimum Liability • Comp / Collision
660 - 750	Bristol West	$70	Richard, 43 Zip: 55423	Hyundai Tucson GL	• State Minimum Liability
550 - 659	Allstate	$127	Ophelia, 42 Zip: 55401	Honda Accord Sport Special Edition	• 50,000/100,000 Liability • Comp / Collision
< 550	Bristol West	$173	Landon, 36 Zip: 55441	Acura MDX	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 10, 2024

Cheap car insurance quotes in Minneapolis for popular cars

Your choice of vehicle has a significant impact on your car insurance premiums. Several factors associated with the type of car affect insurance costs, including repair or replacement costs, the likelihood of theft, and the vehicle's overall safety performance.

Popular makes and models in Minnesota include:

Honda Civic

Nissan Rogue

Ford Bronco

Chevrolet Silverado 1500

Toyota Corolla

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Civic Sport	Progressive	$200	Allie, 22 Zip: 55407	• State Minimum Liability
Toyota Corolla L	Nationwide	$172	Nellie, 28 Zip: 55443	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 10, 2024

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Minneapolis

1. Shop around and compare quotes

In Minneapolis’s current treacherous insurance climate, the best way to find affordable car insurance in the Twin Cities is to

shop frequently

and compare both quotes and coverage options from multiple providers.

Jerry offers free quotes for car, renters, and homeowners insurance to drivers in the Minneapolis-St. Paul area.

It’s easy to find coverage at the right level with help from Jerry.

Compare car insurance quotes now

2. Hunt for car insurance discounts

A great

car insurance discount

is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:

Good driver discounts: You're due for some savings if you've held a

clean driving record

for at least three years.

Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.

Good student discounts: College and high school students with a B average or better can save money on car insurance.

Insurance bundle discounts: You could save money if you

bundle your home and auto insurance

products from the same provider.

3. Increase your deductible for comprehensive and collision coverage

Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.

Learn more:

11 ways to lower your car insurance

FAQ

How much is car insurance in Minneapolis?

Car insurance costs Minneapolis drivers an average of $171 per month for full coverage and $89 per month for state minimum coverage.

What is the minimum car insurance in Minneapolis, Minnesota?

The minimum car insurance required by law in Minneapolis and the state of Minnesota is 30/60/10 liability insurance, $40,000 of personal injury protection (PIP), and 25/50 uninsured/underinsured motorist coverage.

What is the cheapest car insurance in Minneapolis?

The cheapest car insurance provider in Minneapolis, according to Jerry’s data, is Travelers Insurance at just $124 per month for full coverage.

What is the best car insurance in Minneapolis?

The best car insurance company in Minneapolis is different for every driver, based on individual quotes, customer service, and claims handling experience. AAA, Safeco, and GEICO all received top marks from Minnesota drivers in Jerry’s insurance shopping survey.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Sources

https://mn.gov/commerce-stat/pdfs/auto-insurance-guide.pdf

https://www.nicb.org/news/news-releases/hot-spots-report-shows-vehicle-theft-rates-spiking-different-regions-us

https://counciloncj.org/mid-year-2023-crime-trends/

https://kstp.com/kstp-news/top-news/auto-thefts-rise-at-record-setting-pace-in-minneapolis/

https://dps.mn.gov/divisions/ots/reports-statistics/Documents/2022a-crash-facts.pdf

https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf

Meet our experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Sarah Gray

Licensed Insurance Agent — Expert Insurance Writer and Editor

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.

Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.