Cheapest Car Insurance Quotes in Minneapolis

Finding the cheapest car insurance quotes in Minneapolis shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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406,175 Policies Sold

Minneapolis Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Minneapolis

The car insurance rate in Minneapolis is $1152 for a six-month policy, which is $208 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $631, making it a popular choice for budget-conscious drivers. Rates in Minneapolis can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Minneapolis

$1152

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Minneapolis

1st place: Iowa Farm Bureau

At $631 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $638 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $638 for six months, making it the third cheapest auto insurance company in Minneapolis.

Minneapolis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Minneapolis, MN is Iowa Farm Bureau, offering policies at just $631 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $638.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2073 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Minneapolis drivers find the best deals.

Cheap Car Insurance Companies in Minneapolis, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$631	$107
Auto-Owners Insurance Co	$638	$106
Westfield	$638	$109
American Family	$666	$112
West Bend Mutual	$826	$139
Travelers	$885	$149
Nationwide	$978	$166
USAA	$1022	$172
AAA	$1058	$178
Auto-Owners	$1131	$190
West Bend	$1218	$207
State Farm	$1275	$215
Western National	$1645	$279
Allstate	$1725	$290
North Star Mutual	$2022	$344
Farmers	$2073	$345

Key Takeaways

Way's key takeaways about car insurance in Minneapolis

The auto insurance costs in Minneapolis fall around $631 for six months.
The cheapest auto insurance company in Minneapolis is Westfield.
Teen drivers pay the highest rate in Minneapolis at $1246 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Minneapolis

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Minneapolis are given below.

Westfield provides the cheapest minimum car insurance coverage in Minneapolis. Their Average 6 Month Premium is $174. Nationwide is the most expensive at $377 for the same period.

Cheapest Liability Coverage in Minneapolis, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
West Bend Mutual	$246	$41
North Star Mutual Insurance	$268	$45
USAA	$290	$49
Auto-Owners Insurance Co	$304	$51
Iowa Farm Bureau	$304	$51
West Bend	$304	$51
Farmers Union Insurance	$311	$52
Auto-Owners	$318	$54
North Star Mutual	$318	$54
AAA	$355	$60
American Family	$355	$60
Travelers	$355	$60
State Farm	$384	$65
Western National	$406	$68
Allstate	$594	$100
Farmers	$841	$143
Nationwide	$377	$62

Cheapest Full Coverage Car Insurance in Minneapolis

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Minneapolis is Iowa Farm Bureau at $107 per month and $631 for six months.

Cheapest Full Coverage Car Insurance Quotes in Minneapolis, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$631	$107
Auto-Owners Insurance Co	$638	$106
Westfield	$638	$109
American Family	$666	$112
West Bend Mutual	$826	$139
Travelers	$885	$149
Nationwide	$978	$166
USAA	$1022	$172
AAA	$1058	$178
Auto-Owners	$1131	$190
West Bend	$1218	$207
State Farm	$1275	$215
Western National	$1645	$279
Allstate	$1725	$290
North Star Mutual	$2022	$344
Farmers	$2073	$345

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Average Car Insurance in Minneapolis by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Minneapolis, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Minneapolis, Minnesota, may be increasing due to several external factors. Minnesota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Minneapolis's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Minneapolis

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$798
30s	Farm Bureau Mutual	$570
40s	Farm Bureau Mutual	$564
50s	Farm Bureau Mutual	$475
60s	Farm Bureau Mutual	$486
70s	Farm Bureau Mutual	$570

Cheapest Car Insurance Rates for Teen Drivers in Minneapolis,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Minneapolis at $35 per month. At $7471 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
North Star Mutual Insurance	$290	$49
Auto-Owners Insurance Co	$311	$52
Iowa Farm Bureau	$318	$54
Farmers Union Insurance	$333	$56
Umialik	$414	$68
American Family	$1131	$190
Travelers	$1269	$214
Auto-Owners	$1659	$279
USAA	$1696	$285
State Farm	$2529	$426
AAA	$2551	$429
Allstate	$4065	$684
North Star Mutual	$4261	$710
Western National	$4740	$806
Farmers	$7471	$1246

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Minneapolis.

As young drivers face the highest rates in Minneapolis, Farm Bureau Mutual offers the cheapest auto insurance rates at $798 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Minneapolis, West Bend Mutual is the cheapest car insurance provider. At $311 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Minneapolis is State Farm, offering rates of around $8269 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$311	$52
Westfield	$384	$63
Farmers Union Insurance	$427	$73
Iowa Farm Bureau	$601	$100
American Family	$616	$105
USAA	$2014	$336
AAA	$2246	$378
Travelers	$2891	$482
North Star Mutual	$3348	$570
Auto-Owners	$3493	$582
Farmers	$3841	$653
Western National	$4015	$669
Allstate	$4812	$819
State Farm	$8269	$1379

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Save up to $971/yr on car insurance rates in Minneapolis.

Car Insurance Rates with An Accident in Minneapolis

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Minneapolis, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Minneapolis

The cheapest car insurance companies after an at-fault accident in Minneapolis include Westfield and Umialik, offering $254 and $318, respectively. Nationwide is an expensive provider with an average six-month premium of $500.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$254	$43
Umialik	$318	$54
Iowa Farm Bureau	$392	$65
Auto-Owners Insurance Co	$414	$71
Farmers Union Insurance	$421	$70
West Bend Mutual	$427	$73
North Star Mutual Insurance	$493	$82
Encompass	$537	$92
American Family	$754	$127
Western National	$783	$132
Auto-Owners	$841	$142
State Farm	$870	$146
Travelers	$971	$163
USAA	$1043	$176
AAA	$1652	$278
North Star Mutual	$1957	$329
Farmers	$3051	$509
Allstate	$3160	$532
Nationwide	$500	$83

Minneapolis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Minneapolis MN. For example, the car insurance in Minneapolis after a DUI increases to $1333 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

Minneapolis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1247	$207
One Med/PIP claim	$1261	$215
Not-at-fault accident	$1282	$214
One comp claim	$1326	$226
Two Med/PIP claims	$1326	$221
Two comp claims	$1385	$235
Failure to wear a seat belt	$1420	$237
Failure to show documents	$1442	$245
Child safety restraint	$1464	$244
Driving without lights	$1464	$249
Driving with expired registration	$1493	$249
Cell phone violation	$1521	$259
Speeding 6 - 10 MPH over limit	$1521	$254
Texting while driving	$1521	$259
Following too closely	$1536	$256
Driving too slowly	$1543	$262
Failure to yield	$1543	$257
Illegal turn	$1543	$262
Speeding in school zone	$1543	$257
Wrong way/wrong lane	$1543	$262
Failure to stop at a red light	$1551	$259
Improper passing	$1551	$264
Speeding 11 - 15 MPH over limit	$1558	$260
Speeding 16 - 20 MPH over limit	$1573	$267
At-fault accident - less than $1000	$1609	$268
Passing school bus	$1609	$273
In 65 MPH zone	$1617	$270
Operating a vehicle without permission	$1624	$276
Speeding 21 - 25 MPH over limit	$1674	$279
At-fault accident - $1000-$2000	$1790	$304
Open container	$1797	$300
At-fault accident - greater than $2000	$1834	$312
Reckless driving	$2246	$375
Racing	$2319	$394
Driving with a suspended license	$2464	$411
Refusal to submit to a chemical test	$2492	$423
DUI	$2580	$429
Leaving scene of an accident/hit and run	$2674	$455

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Minneapolis after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Minneapolis.

The cheapest car insurance premiums in Minneapolis are offered by Umialik at $318 for a six-month policy. However, it can be as expensive as $5790 with companies like AAA.

Minneapolis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$318	$54
West Bend Mutual	$333	$56
Farmers Union Insurance	$399	$66
Westfield	$449	$77
Iowa Farm Bureau	$587	$98
Country Financial	$623	$106
Auto-Owners Insurance Co	$666	$111
American Family	$703	$118
Western National	$993	$167
Travelers	$1000	$168
State Farm	$1275	$215
USAA	$1377	$232
Auto-Owners	$1420	$239
Farmers	$3094	$526
Allstate	$3283	$553
North Star Mutual	$5783	$983
AAA	$5790	$965

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Minneapolis are offered by Westfield at $210. However, it can be as expensive as $3631 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Minneapolis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Iowa Farm Bureau	$333	$56
West Bend Mutual	$333	$56
Auto-Owners Insurance Co	$348	$59
American Family	$370	$61
Farmers Union Insurance	$377	$65
State Farm	$797	$134
Western National	$993	$167
USAA	$1050	$176
Auto-Owners	$1159	$198
Travelers	$1261	$210
North Star Mutual	$2022	$344
Farmers	$2601	$433
AAA	$2696	$459
Allstate	$3631	$605

Car Insurance Price Trends in Minneapolis, Minnesota

Car insurance rates in Minneapolis have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Minneapolis rose by $262 in January compared to $216 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Minneapolis rose to $62 in January, compared to $60 in December. This represents an increase of $2 when comparing January and December.

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Average Car Insurance Cost in Minneapolis by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Minneapolis. At $1174 for a six-month policy, insuring your car at 55443 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
55443	$1174	$197
55442	$1163	$195
55441	$1163	$195
55403	$1163	$195
55447	$1174	$197
55446	$1174	$197
55402	$1151	$193
55401	$1151	$193
55445	$1163	$195
55444	$1163	$195
55407	$1186	$199
55406	$1186	$199
55405	$1163	$195
55449	$1174	$197
55448	$1174	$197
55404	$1174	$197
55409	$1163	$195
55408	$1174	$197
55450	$1151	$193
55454	$1151	$193
55410	$1163	$195
55414	$1186	$199
55413	$1163	$195
55412	$1174	$197
55455	$1151	$193
55411	$1174	$197
55418	$1174	$197
55417	$1174	$197
55416	$1186	$199
55415	$1151	$193
55419	$1174	$197
55421	$1174	$197
55420	$1163	$195
55425	$1151	$193
55424	$1151	$193
55423	$1186	$199
55422	$1174	$197
55429	$1174	$197
55428	$1174	$197
55427	$1174	$197
55426	$1174	$197
55432	$1174	$197
55431	$1163	$195
55430	$1174	$197
55436	$1163	$195
55435	$1163	$195
55434	$1174	$197
55433	$1186	$199
55439	$1151	$193
55438	$1163	$195
55437	$1163	$195

Frequently Asked Questions

How much is car insurance in Minneapolis?

The car insurance in Minneapolis is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Minneapolis?

The cheapest car insurance in Minneapolis is $107 per month for full coverage.

How much is car insurance in Minneapolis for teenagers?

Car insurance for teenagers costs $210 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Minneapolis?

The average cost of car insurance is $944 for a six-month policy. It will cost around $194 per month to insure your car in Minneapolis.

Is car insurance expensive in Minneapolis?

Car insurance can be expensive in Minneapolis if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Minneapolis can be affordable.

Cheapest Car Insurance Quotes in Minneapolis

Why you can trust Way?

How Much Is Car Insurance in Minneapolis

Avg. Car Insurance in Minneapolis

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Minneapolis

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Minneapolis Car Insurance Rates by Company

Cheap Car Insurance Companies in Minneapolis, MN

Way's key takeaways about car insurance in Minneapolis

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Minneapolis

Cheapest Liability Coverage in Minneapolis, MN

Cheapest Full Coverage Car Insurance in Minneapolis

Cheapest Full Coverage Car Insurance Quotes in Minneapolis, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Minneapolis by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Minneapolis, MN increasing?

Car Insurance Premiums by Age in Minneapolis

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Minneapolis,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Minneapolis.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Minneapolis

Cheapest Car Insurance Companies after an At-Fault Accident in Minneapolis

Minneapolis Car Insurance Rates by Violation

Minneapolis auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Minneapolis after a DUI

Minneapolis car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Minneapolis after Speeding ticket

Car Insurance Price Trends in Minneapolis, Minnesota

Average Car Insurance Cost in Minneapolis by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Minneapolis, MN

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources