What is the average cost of car insurance in Minneapolis?

Drivers in Minneapolis pay an estimated $1,620 per year on average for full-coverage auto insurance — about 8% above the Minnesota state average of $1,500.

How can I find cheaper car insurance in Minneapolis?

Drivers who compare 3+ insurers can save up to $487/year on average. Raising your deductible to $1,000, bundling home and auto, and asking about telematics-based discounts are the next-fastest wins. No-fault state with PIP minimum $40k. Twin Cities metro pays 25% more than greater Minnesota.

Minneapolis, MN

Cheap Car Insurance in Minneapolis

Minneapolis drivers pay an average of $1,620/year for auto insurance — 8% above the Minnesota state average. Compare quotes and save.

Why Minneapolis drivers pay more

Twin Cities premiums sit modestly above the Minnesota state average; winter comprehensive claims are the main pressure. Across Minnesota, the average annual premium is $1,500; Minneapolis comes in at about $1,620 — 8% above the state benchmark.

Premiums vary widely within Minneapolis based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.

5 ways to lower your Minneapolis car insurance

Compare 3+ insurers — drivers who shop can save up to $487/year on average.
Raise your deductible from $500 to $1,000 if you have an emergency fund.
Bundle auto with home or renters insurance (10-25% discount).
Ask about telematics/usage-based discounts (10-30% if you drive carefully).
Consider your ZIP — moving even one ZIP over in Minneapolis can shift your premium 10-20%.

Minneapolis drivers

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Minneapolis insurance FAQ

Other Minnesota cities

St. Paul