Cheap Car Insurance in Minneapolis (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Minneapolis (July 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 Policy
City, State
ZIP Code
$45 $534 Progressive 29 November 20, 2024 Minneapolis, MN 55413
$49 $584 Progressive 80 October 8, 2024 Minneapolis, MN 55434
$50 $600 Progressive 29 April 12, 2025 Minneapolis, MN 55414
$53 $638 Progressive 50 August 26, 2024 Minneapolis, MN 55423
$57 $680 Progressive 28 June 30, 2024 Minneapolis, MN 55406
$57 $682 Progressive 58 July 20, 2024 Minneapolis, MN 55429
$62 $748 Progressive 35 July 19, 2025 Minneapolis, MN 55408
$64 $764 Progressive 32 October 15, 2024 Minneapolis, MN 55437
$65 $782 Safeco 28 January 19, 2025 Minneapolis, MN 55407
$66 $794 Progressive 24 October 11, 2024 Minneapolis, MN 55422
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
$40 $483 Progressive 55 June 16, 2025 Minneapolis, MN 55415
$57 $682 Progressive 58 July 20, 2024 Minneapolis, MN 55429
$64 $764 Progressive 32 October 15, 2024 Minneapolis, MN 55437
$66 $794 Progressive 24 October 11, 2024 Minneapolis, MN 55422
$70 $843 Progressive 31 December 4, 2024 Minneapolis, MN 55406
$71 $852 Progressive 60 October 17, 2024 Minneapolis, MN 55433
$72 $869 Progressive 34 June 22, 2025 Minneapolis, MN 55446
$74 $886 Progressive 41 September 15, 2024 Minneapolis, MN 55415
$74 $893 Safeco 53 January 1, 2025 Minneapolis, MN 55403
$75 $899 Progressive 26 June 19, 2025 Minneapolis, MN 55430
Last Updated Jul 24, 2025

Estimate car insurance costs

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

Average monthly quote:
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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 Policy
City, State
ZIP Code
$45 $534 Progressive 29 No November 20, 2024 Minneapolis, MN 55413
$57 $680 Progressive 28 No June 30, 2024 Minneapolis, MN 55406
$65 $782 Safeco 28 No January 19, 2025 Minneapolis, MN 55407
$66 $794 Progressive 24 Yes October 11, 2024 Minneapolis, MN 55422
$75 $899 Progressive 26 Yes June 19, 2025 Minneapolis, MN 55430
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
$40 $474 Progressive 54 No February 1, 2022 Minneapolis, MN 55447
$41 $494 Progressive 38 No April 29, 2023 Minneapolis, MN 55406
$46 $550 Progressive 30 No March 14, 2022 Minneapolis, MN 55408
$48 $582 Safeco 30 No November 7, 2022 Minneapolis, MN 55414
$50 $601 Progressive 49 Yes February 11, 2022 Minneapolis, MN 55446
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
$37 $442 Progressive 66 No February 15, 2022 Minneapolis, MN 55422
$40 $483 Progressive 55 Yes June 16, 2025 Minneapolis, MN 55415
$42 $501 Safeco 55 No June 14, 2022 Minneapolis, MN 55433
$49 $584 Progressive 80 No October 8, 2024 Minneapolis, MN 55434
$49 $586 Bristol West 61 No August 7, 2022 Minneapolis, MN 55432
Last Updated Jul 24, 2025

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
$40 $474 Progressive 54 February 1, 2022 No Minneapolis, MN 55447
$40 $483 Progressive 55 June 16, 2025 Yes Minneapolis, MN 55415
$41 $494 Progressive 38 April 29, 2023 No Minneapolis, MN 55406
$42 $501 Safeco 55 June 14, 2022 No Minneapolis, MN 55433
$46 $550 Progressive 30 March 14, 2022 No Minneapolis, MN 55408
Last Updated Jul 24, 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 $76 $912 National General 53 October 26, 2024 Minneapolis, MN 55433
<550 $81 $970 The General 34 January 28, 2025 Minneapolis, MN 55418
<550 $93 $1,116 Progressive 45 September 27, 2024 Minneapolis, MN 55423
<550 $100 $1,202 Progressive 34 June 25, 2025 Minneapolis, MN 55441
<550 $105 $1,259 Progressive 53 July 20, 2025 Minneapolis, MN 55422
Last Updated Jul 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 $45 $534 Progressive 29 No November 20, 2024 Minneapolis, MN 55413
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
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
Speeding under 15 $79 $948 National General 30 July 13, 2024 Minneapolis, MN 55401
Speeding over 15 $95 $1,134 National General 41 June 26, 2024 Minneapolis, MN 55434
Speeding under 15 $97 $1,160 National General 23 November 22, 2024 Minneapolis, MN 55422
Speeding under 15 $103 $1,240 Progressive 34 December 13, 2024 Minneapolis, MN 55404
Speeding over 15 $106 $1,272 National General 35 August 31, 2024 Minneapolis, MN 55447
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
DUI $105 $1,254 The General 43 March 23, 2025 Minneapolis, MN 55429
DUI $147 $1,768 National General 32 June 28, 2025 Minneapolis, MN 55448
DUI $155 $1,859 Progressive 44 July 19, 2025 Minneapolis, MN 55425
DUI $159 $1,910 Dairyland 47 May 2, 2025 Minneapolis, MN 55422
DUI $180 $2,160 Progressive 63 April 27, 2025 Minneapolis, MN 55412
Last Updated Jul 24, 2025

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.

MEET OUR EXPERTS
meet-experts-thumbnail
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.