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.
If you have a loan or lease on your vehicle, the lender will require
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $46 | $557 | 67 | 12/07/25 | 55421 | ||
| $47 | $569 | 37 | 09/08/25 | 55406 | ||
| $50 | $603 | 46 | 10/05/25 | 55434 | ||
| $52 | $619 | 60 | 11/07/25 | 55432 | ||
| $52 | $621 | 27 | 10/06/25 | 55401 | ||
| $54 | $645 | 33 | 11/29/25 | 55416 | ||
| $58 | $697 | 47 | 08/30/25 | 55403 | ||
| $58 | $699 | 44 | 06/22/25 | 55413 | ||
| $59 | $703 | 37 | 06/16/25 | 55435 | ||
| $61 | $729 | 45 | 06/24/25 | 55446 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $554 | 28 | No | 10/27/25 | 55406 | ||
| $52 | $626 | 29 | No | 09/06/25 | 55414 | ||
| $54 | $644 | 29 | No | 11/13/25 | 55449 | ||
| $65 | $783 | 26 | Yes | 09/09/25 | 55414 | ||
| $72 | $865 | 28 | Yes | 10/11/25 | 55447 | ||
| $54 | $645 | 33 | 11/29/25 | 55416 | |||
| $58 | $697 | 47 | 08/30/25 | 55403 | |||
| $58 | $699 | 44 | 06/22/25 | 55413 | |||
| $59 | $703 | 37 | 06/16/25 | 55435 | |||
| $61 | $729 | 45 | 06/24/25 | 55446 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $254 | 45 | No | 06/28/25 | 55426 | ||
| $29 | $352 | 37 | No | 09/08/25 | 55406 | ||
| $35 | $418 | 37 | No | 06/16/25 | 55419 | ||
| $44 | $532 | 38 | No | 06/15/25 | 55435 | ||
| $48 | $576 | 54 | No | 10/12/25 | 55429 | ||
| $54 | $645 | 33 | 11/29/25 | 55416 | |||
| $58 | $697 | 47 | 08/30/25 | 55403 | |||
| $58 | $699 | 44 | 06/22/25 | 55413 | |||
| $59 | $703 | 37 | 06/16/25 | 55435 | |||
| $61 | $729 | 45 | 06/24/25 | 55446 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $557 | 67 | Yes | 12/07/25 | 55421 | ||
| $53 | $640 | 59 | No | 09/07/25 | 55412 | ||
| $56 | $670 | 67 | No | 08/07/25 | 55448 | ||
| $58 | $696 | 62 | No | 08/15/25 | 55443 | ||
| $58 | $698 | 71 | No | 10/08/25 | 55429 | ||
| $54 | $645 | 33 | 11/29/25 | 55416 | |||
| $58 | $697 | 47 | 08/30/25 | 55403 | |||
| $58 | $699 | 44 | 06/22/25 | 55413 | |||
| $59 | $703 | 37 | 06/16/25 | 55435 | |||
| $61 | $729 | 45 | 06/24/25 | 55446 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $254 | 45 | 06/28/25 | No | 55426 | ||
| $29 | $352 | 37 | 09/08/25 | No | 55406 | ||
| $35 | $418 | 37 | 06/16/25 | No | 55419 | ||
| $44 | $532 | 38 | 06/15/25 | No | 55435 | ||
| $46 | $554 | 28 | 10/27/25 | No | 55406 | ||
| $54 | $645 | 33 | 11/29/25 | 55416 | |||
| $58 | $697 | 47 | 08/30/25 | 55403 | |||
| $58 | $699 | 44 | 06/22/25 | 55413 | |||
| $59 | $703 | 37 | 06/16/25 | 55435 | |||
| $61 | $729 | 45 | 06/24/25 | 55446 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $39 | $462 | 48 | 05/30/25 | 55446 | ||
| <550 | $61 | $736 | 67 | 11/18/25 | 55422 | ||
| <550 | $66 | $796 | 45 | 08/08/25 | 55429 | ||
| <550 | $76 | $912 | 52 | 10/26/24 | 55433 | ||
| <550 | $81 | $966 | 47 | 05/10/25 | 55418 | ||
| $54 | $645 | 33 | 55416 | ||||
| $58 | $697 | 47 | 55403 | ||||
| $58 | $699 | 44 | 55413 | ||||
| $59 | $703 | 37 | 55435 | ||||
| $61 | $729 | 45 | 55446 |
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 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 | $39 | $462 | 48 | Yes | 05/30/25 | 55446 | ||
| At Fault With No Injury | $52 | $624 | 26 | No | 11/30/25 | 55403 | ||
| At Fault With No Injury | $65 | $774 | 48 | No | 07/04/25 | 55425 | ||
| At Fault With No Injury | $67 | $804 | 37 | No | 09/09/25 | 55408 | ||
| At Fault With No Injury | $68 | $820 | 34 | No | 12/02/25 | 55417 | ||
| $54 | $645 | 33 | 55416 | |||||
| $58 | $697 | 47 | 55403 | |||||
| $58 | $699 | 44 | 55413 | |||||
| $59 | $703 | 37 | 55435 | |||||
| $61 | $729 | 45 | 55446 |
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
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $39 | $462 | 47 | 08/21/25 | 55408 | ||
| Speeding over 15 | $57 | $684 | 26 | 07/17/25 | 55413 | ||
| Speeding under 15 | $58 | $692 | 33 | 08/04/25 | 55408 | ||
| Speeding over 15 | $59 | $702 | 45 | 11/09/25 | 55448 | ||
| Speeding over 15 | $67 | $799 | 64 | 08/11/25 | 55445 | ||
| $54 | $645 | 33 | 11/29/25 | 55416 | |||
| $58 | $697 | 47 | 08/30/25 | 55403 | |||
| $58 | $699 | 44 | 06/22/25 | 55413 | |||
| $59 | $703 | 37 | 06/16/25 | 55435 | |||
| $61 | $729 | 45 | 06/24/25 | 55446 |
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
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $64 | $771 | 31 | 09/05/25 | 55447 | ||
| DUI | $94 | $1,131 | 44 | 07/19/25 | 55425 | ||
| DUI | $94 | $1,132 | 50 | 09/16/25 | 55401 | ||
| DUI | $99 | $1,182 | 64 | 11/05/25 | 55421 | ||
| DUI | $169 | $2,025 | 29 | 08/08/25 | 55429 | ||
| $54 | $645 | 33 | 11/29/25 | 55416 | |||
| $58 | $697 | 47 | 08/30/25 | 55403 | |||
| $58 | $699 | 44 | 06/22/25 | 55413 | |||
| $59 | $703 | 37 | 06/16/25 | 55435 | |||
| $61 | $729 | 45 | 06/24/25 | 55446 |
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.
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 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.
