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.

Cheapest minimum coverage insurance in Minneapolis

In Minnesota, the minimum auto insurance requirements are:

• Bodily injury liability covers $30,000 per person and $60,000 per accident.
• Property damage liability provides $10,000 per accident.
• Uninsured/underinsured motorist bodily injury includes $25,000 per person and $50,000 per accident.
• Personal injury protection (PIP) offers $40,000 in coverage.

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

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.

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.

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

Drivers between 18 and 29 years old often pay higher rates than older drivers, but that doesn’t mean affordable coverage is out of reach. Here are the cheapest quotes young Jerry customers have received.

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

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.

Cheapest car insurance for drivers with a clean record in Minneapolis

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.

Cheapest car insurance for drivers with at-fault accidents in Minneapolis

Cheapest car insurance for drivers with a speeding ticket in Minneapolis

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.

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

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.

Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.