Updated June 8, 2026

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Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Minneapolis, MN

Minneapolis drivers pay an average of $287 a month for full coverage and $147 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$55

Lowest state minimum quote Jerry has found in last 12 months

$109

Lowest full coverage quote Jerry has found in last 12 months

$254

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Minneapolis sits below the national average for auto insurance per Jerry’s quoting data, with several Minnesota-specific factors shaping individual rates. The biggest structural feature is Minnesota’s no-fault personal injury protection system, which requires every driver to carry $40,000 in PIP coverage along with mandatory uninsured and underinsured motorist coverage. Severe winter weather, dense Twin Cities traffic along I-94 and I-35W, and theft concentrations in certain neighborhoods round out the local cost drivers. Even with those costs, Minneapolis remains less expensive than many major U.S. cities because Minnesota experiences lower catastrophe losses than coastal states and generally maintains a lower-risk insurance environment than many peer cities.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Minneapolis drivers starting as low as $109 per month for full coverage (Progressive) and $92 per month for state minimum (Progressive) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Minneapolis drivers

Here are some recent quotes Jerry has pulled for drivers in Minneapolis. These aren’t sample rates — they’re actual quotes pulled for Minneapolis drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Minneapolis?

Right now, Progressive is the cheapest average carrier for Minneapolis drivers at around $92 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Minneapolis has an unusual carrier mix: Progressive leads both the state minimum and full coverage averages by a wide margin, and the gap between Progressive and the rest of the top five is larger than what shows up in most metros. Four observations to weigh as you compare:

• The cheapest option for Minneapolis drivers with clean records is Progressive, which leads both coverage tiers in our Minneapolis data and produces the lowest single quote in each. Progressive writes broadly across Minnesota and competes aggressively on both standard and non-standard segments. Its dual top-of-list position makes it the first quote most Minneapolis drivers should pull.

• Your age matters more in Minneapolis than most Minnesota cities because the market here skews young. Carriers price the 21–25 bracket aggressively; National General tends to be most competitive for drivers in that window, with its consistent second-place position across both coverage tiers making it the most direct alternative to Progressive.

• What you’re bundling changes the math significantly in Minneapolis. Adding renters or homeowners coverage to your auto quote unlocks valuable discounts that can flip a carrier from one of the pricier options to one of the more competitive ones — GEICO in particular tends to close the gap to Progressive when bundling is in play.

• Your vehicle affects more than just collision cost. Trucks and SUVs dominate Minneapolis roads just as they do across Minnesota, and they carry higher liability exposure that not every carrier prices the same way — worth comparing Dairyland and Bristol West if you’re a high-risk driver behind the wheel of one.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Progressive is the cheapest car insurance company in Minneapolis for state minimum coverage at an average of $92 per month. 

Cheapest carriers in Minneapolis by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Progressive	$92	$55
National General	$107	$76
GEICO	$151	$90
Dairyland	$187	$134
Bristol West	$195	$116

Progressive

Average monthly cost

$92

Cheapest quote we’ve found

$55

National General

Average monthly cost

$107

Cheapest quote we’ve found

$76

GEICO

Average monthly cost

$151

Cheapest quote we’ve found

$90

Dairyland

Average monthly cost

$187

Cheapest quote we’ve found

$134

Bristol West

Average monthly cost

$195

Cheapest quote we’ve found

$116

Last Updated June 9, 2026

Based on Jerry data from the past 12 months.

Progressive is the cheapest car insurance company in Minneapolis for full coverage at an average of $197 per month. 

Cheapest carriers in Minneapolis by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Progressive	$197	$110
GEICO	$204	$130
National General	$216	$142
The General	$341	$207
Bristol West	$406	$240

Progressive

Average monthly cost

$197

Cheapest quote we’ve found

$110

GEICO

Average monthly cost

$204

Cheapest quote we’ve found

$130

National General

Average monthly cost

$216

Cheapest quote we’ve found

$142

The General

Average monthly cost

$341

Cheapest quote we’ve found

$207

Bristol West

Average monthly cost

$406

Cheapest quote we’ve found

$240

Last Updated June 9, 2026

Based on Jerry data from the past 12 months.

Key takeaway: Progressive is the cheapest option for most Minneapolis drivers, but can also be a competitive option for drivers with less-than perfect records or who need an SR-22 filed. Overall, it just the best option for most people.

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Why is car insurance expensive in Minneapolis?

Drivers in Minneapolis with clean records average $220/mo, which is above the MN state average ($189/mo) but below the national average of $262/mo. Minneapolis’s position above the Minnesota state average reflects the metro’s urban claim concentration combined with severe winter exposure, while Minnesota’s overall no-fault structure helps keep statewide pricing below the national baseline. 

Minneapolis car insurance rates by ZIP code

Minneapolis ZIP-level data shows a meaningful range across the metro. The cheapest ZIPs cluster in the suburbs ringing the city core, while the most expensive ZIPs concentrate in North Minneapolis and parts of South Minneapolis where claim frequency runs higher. The ZIP covering North Minneapolis averages the highest premiums in our data by a substantial margin.

Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Minneapolis data sit in the western suburbs and southwest residential areas. While they span different communities, they share a common pattern of lower premiums than the city core. Lower traffic density and fewer claims help keep rates below the Minneapolis average.

Most expensive ZIP codes

The most expensive ZIPs cluster in North Minneapolis, with the Hawthorne / Near North ZIP averaging well above the rest. North Minneapolis carries higher historical theft and claim frequency, and the pattern shows up clearly in Jerry’s quoting averages. The ZIPs covering parts of South Minneapolis also track near the top.

Minneapolis car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Minneapolis data shows for each, and what it actually means for your quote.

By age

Young drivers in Minneapolis pay substantially more than older drivers, but the savings don’t arrive all at once when you turn 25. Jerry’s Minneapolis data shows a rate cliff around 25, resulting in a $33/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $51/mo drop for full coverage. While many drivers expect a major discount at 25, our data shows the larger full coverage savings arrive later, with average premiums falling by about $50 per month between the 25-34 and 35-44 age groups. For Minneapolis drivers, the biggest long-term savings come with age and driving experience rather than a single birthday.

Average cost of insurance in Minneapolis by age group, state minimum

Average cost of insurance in Minneapolis by age group, full coverage

By driving record

Having at-fault accidents adds 16% on average for Minneapolis Jerry users, but the standout pattern in the data is how sharply rates increase after a DUI. Drivers with a DUI pay substantially more for full coverage than drivers with clean records, with a larger gap than we see in most cities. The difference is much smaller on state minimum coverage, suggesting Minnesota insurers apply the strongest DUI penalties on broader coverage tiers.ut that figure masks a compounding effect most drivers don’t know about. [CUSTOM TEXT PLACEHOLDER] 

A DUI can affect your rates for years, but the impact does not last forever. If your violation is several years old, it may be worth shopping around again, since insurers often place less weight on older incidents. Given the large gap between clean-record and DUI pricing in Minneapolis, even a modest rate reduction can translate into meaningful savings.

Average cost of state minimum coverage in Minneapolis, by driving record

Average cost of full coverage in Minneapolis, by driving record

By credit score

Minnesota allows insurers to use credit information as one factor when setting auto insurance rates, although state law places restrictions on how insurers can use that information. Credit can have a meaningful effect on car insurance rates in states where its use is permitted. Drivers with stronger credit profiles often qualify for lower premiums, while those with lower credit scores may face higher rates. The impact varies by insurer, especially for drivers whose credit falls in the middle ranges.

Average cost of state minimum coverage in Minneapolis, by credit score

Average cost of full coverage in Minneapolis, by credit score

How Jerry finds car insurance savings for Minneapolis drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. That’s why Jerry compares rates from up to 6 insurers in minutes to help drivers find more affordable coverage. Here’s a look at real quotes Jerry customers in Minneapolis found when they shopped around.

Recent quotes

Learn more: Best car insurance in Minnesota

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in Minnesota, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Minneapolis can often find real savings by comparing quotes from different insurers. Insurers price driver profiles differently and that’s why quotes vary for the same coverage. Here are some recent examples:

Recent customer quotes

Jerry Agent Tip 2: Apply discounts to maximize your savings

Drivers in Minneapolis can lower their premiums by using discounts for things like being a homeowner, going paperless or having modern safety features. Combined, these savings can make premiums more affordable without compromising protection. 

It’s not always easy to know which discounts you qualify for, so Jerry finds and stacks them for you automatically.

Jerry Agent Tip 3: Balance coverage and cost for smarter protection

Optimizing your coverage starts with understanding how each level protects you. Lower coverage keeps premiums down, but offers limited financial protection in a severe accident. Higher tiers add more protection, including coverage for your own car, uninsured drivers and rental reimbursement. Here are the options Minneapolis drivers can choose from to find the right combination of price and protection:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Minnesota car insurance minimums: What’s required in Minneapolis

Minnesota requires liability coverage, personal injury protection and uninsured/underinsured motorist coverage on every registered vehicle under the state’s no-fault statute. The minimums apply uniformly across the state, so Minneapolis drivers face the same statutory floor as drivers anywhere else in Minnesota. Here are the minimum requirements in Minnesota:

• $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.

Minnesota also requires uninsured and underinsured motorist coverage on every auto policy, providing protections that many states do not require. Driving without the required coverage can lead to fines, license suspension, and other penalties.

Many Minneapolis drivers choose liability and uninsured/underinsured motorist limits above the state minimum requirements. With heavy Twin Cities traffic and the potential costs of a serious accident, higher limits can provide additional financial protection beyond the minimum coverage required by law. Jerry can help you find affordable car insurance starting at just $155/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes