Cheap Car Insurance in Minneapolis (October 2025)

Written by Xuyun Zeng and 1 other
Updated Sep 28, 2025
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Cheap Car Insurance in Minneapolis (October 2025)

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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.

More: Best car insurance in Minnesota

Cheapest minimum coverage insurance in Minneapolis

In Minnesota, the minimum auto insurance requirements are:

  • $30,000 in bodily injury liability per person.
  • $60,000 in bodily injury liability per accident.
  • $10,000 in property damage liability per accident.
  • $25,000 in uninsured/underinsured motorist coverage per person.
  • $50,000 in uninsured/underinsured motorist coverage per accident.
  • $40,000 in personal injury protection, or PIP.

Compare these rates from Minneapolitans who got quotes for minimum coverage from Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$27 $318 Progressive 65 July 1, 2025 Minneapolis, MN 55419
$28 $338 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$29 $346 Progressive 41 June 19, 2025 Minneapolis, MN 55419
$33 $398 Progressive 27 May 5, 2025 Minneapolis, MN 55449
$35 $416 Progressive 28 May 21, 2025 Minneapolis, MN 55426
$36 $428 Progressive 44 June 23, 2025 Minneapolis, MN 55446
$36 $434 Progressive 30 May 26, 2025 Minneapolis, MN 55401
$40 $482 Progressive 42 July 2, 2025 Minneapolis, MN 55447
$41 $494 Progressive 46 June 27, 2025 Minneapolis, MN 55454
$41 $494 Progressive 40 July 7, 2025 Minneapolis, MN 55434
Last Updated Sept. 27, 2025

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.

More: Cheapest car insurance in Minnesota

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.

COMPARE AFFORDABLE CAR INSURANCE RATES
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$44 $531 Progressive 44 June 23, 2025 Minneapolis, MN 55435
$52 $629 Geico 34 May 30, 2025 Minneapolis, MN 55416
$53 $637 Progressive 41 June 19, 2025 Minneapolis, MN 55419
$55 $655 Progressive 65 July 1, 2025 Minneapolis, MN 55419
$57 $681 Progressive 65 August 11, 2025 Minneapolis, MN 55422
$57 $681 Progressive 37 June 13, 2025 Minneapolis, MN 55421
$59 $703 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$61 $729 Progressive 59 April 2, 2025 Minneapolis, MN 55426
$64 $763 Progressive 37 June 16, 2025 Minneapolis, MN 55454
$72 $865 Geico 34 June 22, 2025 Minneapolis, MN 55446
Last Updated Sept. 27, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in Minneapolis (18-29 years old)

Drivers between 18 and 29 years old often pay higher rates than seniors, 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 Quote
City, State
ZIP Code
$35 $416 Progressive 28 No May 21, 2025 Minneapolis, MN 55426
$50 $606 Geico 29 No June 5, 2025 Minneapolis, MN 55414
$58 $693 Geico 26 No September 9, 2025 Minneapolis, MN 55414
$70 $835 Safeco 25 No May 17, 2025 Minneapolis, MN 55425
$76 $906 National General 25 No April 19, 2025 Minneapolis, MN 55442
$57 $681 Progressive 37 June 13, 2025 Minneapolis, MN 55421
$59 $703 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$61 $729 Progressive 59 April 2, 2025 Minneapolis, MN 55426
$64 $763 Progressive 37 June 16, 2025 Minneapolis, MN 55454
$72 $865 Geico 34 June 22, 2025 Minneapolis, MN 55446
Last Updated Sept. 27, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Minneapolis (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$28 $338 Progressive 39 No June 16, 2025 Minneapolis, MN 55435
$29 $346 Progressive 41 No June 19, 2025 Minneapolis, MN 55419
$41 $494 Progressive 40 No July 7, 2025 Minneapolis, MN 55434
$44 $531 Progressive 44 Yes June 23, 2025 Minneapolis, MN 55435
$46 $554 Progressive 41 No June 19, 2025 Minneapolis, MN 55404
$57 $681 Progressive 37 June 13, 2025 Minneapolis, MN 55421
$59 $703 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$61 $729 Progressive 59 April 2, 2025 Minneapolis, MN 55426
$64 $763 Progressive 37 June 16, 2025 Minneapolis, MN 55454
$72 $865 Geico 34 June 22, 2025 Minneapolis, MN 55446
Last Updated Sept. 27, 2025

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 Quote
City, State
ZIP Code
$27 $318 Progressive 65 No July 1, 2025 Minneapolis, MN 55419
$50 $594 National General 71 No May 30, 2025 Minneapolis, MN 55416
$58 $694 National General 60 No July 27, 2025 Minneapolis, MN 55434
$61 $729 Progressive 59 Yes April 2, 2025 Minneapolis, MN 55426
$61 $732 National General 55 No August 26, 2025 Minneapolis, MN 55403
$57 $681 Progressive 37 June 13, 2025 Minneapolis, MN 55421
$59 $703 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$61 $729 Progressive 59 April 2, 2025 Minneapolis, MN 55426
$64 $763 Progressive 37 June 16, 2025 Minneapolis, MN 55454
$72 $865 Geico 34 June 22, 2025 Minneapolis, MN 55446
Last Updated Sept. 27, 2025

Cheapest car insurance for drivers with a clean record in Minneapolis

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$27 $318 Progressive 65 July 1, 2025 No Minneapolis, MN 55419
$28 $338 Progressive 39 June 16, 2025 No Minneapolis, MN 55435
$29 $346 Progressive 41 June 19, 2025 No Minneapolis, MN 55419
$35 $416 Progressive 28 May 21, 2025 No Minneapolis, MN 55426
$41 $494 Progressive 40 July 7, 2025 No Minneapolis, MN 55434
$57 $681 Progressive 37 June 13, 2025 Minneapolis, MN 55421
$59 $703 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$61 $729 Progressive 59 April 2, 2025 Minneapolis, MN 55426
$64 $763 Progressive 37 June 16, 2025 Minneapolis, MN 55454
$72 $865 Geico 34 June 22, 2025 Minneapolis, MN 55446
Last Updated Sept. 27, 2025

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 $66 $796 Progressive 45 August 8, 2025 Minneapolis, MN 55429
<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 $88 $1,054 Progressive 32 September 14, 2025 Minneapolis, MN 55405
<550 $93 $1,116 Progressive 45 September 27, 2024 Minneapolis, MN 55423
$57 $681 Progressive 37 Minneapolis, MN 55421
$59 $703 Progressive 39 Minneapolis, MN 55435
$61 $729 Progressive 59 Minneapolis, MN 55426
$64 $763 Progressive 37 Minneapolis, MN 55454
$72 $865 Geico 34 Minneapolis, MN 55446
Last Updated Sept. 24, 2025

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 $37 $442 Progressive 66 No February 15, 2022 Minneapolis, MN 55422
At Fault With No Injury $48 $582 Safeco 30 No November 7, 2022 Minneapolis, MN 55414
At Fault With No Injury $49 $586 Bristol West 61 No August 7, 2022 Minneapolis, MN 55432
At Fault With No Injury $51 $610 Progressive 39 No November 1, 2021 Minneapolis, MN 55403
At Fault With No Injury $55 $654 Progressive 72 No December 18, 2021 Minneapolis, MN 55433
$57 $681 Progressive 37 Minneapolis, MN 55421
$59 $703 Progressive 39 Minneapolis, MN 55435
$61 $729 Progressive 59 Minneapolis, MN 55426
$64 $763 Progressive 37 Minneapolis, MN 55454
$72 $865 Geico 34 Minneapolis, MN 55446
Last Updated Sept. 27, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with a speeding ticket in Minneapolis

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding over 15 $49 $585 Geico 44 August 16, 2025 Minneapolis, MN 55421
Speeding over 15 $71 $855 Progressive 64 August 11, 2025 Minneapolis, MN 55445
Speeding over 15 $78 $941 Geico 26 July 17, 2025 Minneapolis, MN 55413
Speeding over 15 $79 $950 National General 37 July 29, 2025 Minneapolis, MN 55420
Speeding over 15 $83 $993 Progressive 45 April 25, 2025 Minneapolis, MN 55420
$57 $681 Progressive 37 June 13, 2025 Minneapolis, MN 55421
$59 $703 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$61 $729 Progressive 59 April 2, 2025 Minneapolis, MN 55426
$64 $763 Progressive 37 June 16, 2025 Minneapolis, MN 55454
$72 $865 Geico 34 June 22, 2025 Minneapolis, MN 55446
Last Updated Sept. 29, 2025

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 Quote
City, State
ZIP Code
DUI $66 $794 National General 31 September 5, 2025 Minneapolis, MN 55447
DUI $104 $1,247 Geico 42 July 17, 2025 Minneapolis, MN 55429
DUI $124 $1,487 Dairyland 50 August 18, 2025 Minneapolis, MN 55401
DUI $177 $2,129 Progressive 63 April 27, 2025 Minneapolis, MN 55412
DUI $196 $2,354 Bristol West 43 September 18, 2025 Minneapolis, MN 55429
$57 $681 Progressive 37 June 13, 2025 Minneapolis, MN 55421
$59 $703 Progressive 39 June 16, 2025 Minneapolis, MN 55435
$61 $729 Progressive 59 April 2, 2025 Minneapolis, MN 55426
$64 $763 Progressive 37 June 16, 2025 Minneapolis, MN 55454
$72 $865 Geico 34 June 22, 2025 Minneapolis, MN 55446
Last Updated Sept. 29, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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