Call Us Toll Free: 1-855-430-7753
Minneapolis  Car Insurance

Minneapolis Car Insurance


Minneapolis car insurance rates

Lake in MinneapolisMinneapolis-St. Paul is now the 10th-worst metro area in the nation when it comes to traffic congestion, according to a national study released by the Washington-based firm INRIX. Much congestion originates around Twin Cities bottlenecks. Minneapolis's worst is the junction of I-494 and Highway 169 in Eden Prairie and the I-494 interchange with Highway 5. Where you have bottlenecks, you also have backups, delays and fender-benders.

Walk Score ranks Minneapolis ninth among the 50 largest U.S. cities for pedestrian friendliness, with Downtown West and Loring Park noted as “walker's paradises.”

Golden Valley and other neighborhoods along I-94 have the highest car insurance rates, not just in metropolitan Minneapolis but in the entire state. Rates fall rapidly for suburbs like Coon Rapids, Edina and Bloomington. (See how Minneapolis compares with other Minnesota cities by clicking around the map below.)

Whatever your ZIP code, you can still save money by comparison shopping. Your neighborhood may be expensive, but two car insurance companies will offer the same driver in the same car quotes that differ by hundreds of dollars or more.

Our Minnesota car insurance profile page lays out what Minneapolis drivers need to know.


Why Minneapolis car insurance rates are so high

Winters in Minneapolis are bad enough, but it's the springs that take their toll on the roads. The cycle of daytime melting and nighttime freezing causes pavement to heave and crack --and combined with shrinking public works budgets to maintain the area's 134,000 miles of roads-- that adds up to a bone-rattling pothole season.. Severe damage from a pothole encounter would be covered by your collision insurance, if you have it. Otherwise you'll have to file a claim with the city or state highway department.

Minneapolis Car Insurance by ZIP Code

To learn more about the most and least expensive cities for car insurance, click the link below.
Priciest Neighborhoods
In Minnesota
  • 55107: $1,462
    SAINT PAUL
  • 55411: $1,459
    GOLDEN VALLEY
  • 55412: $1,458
    MINNEAPOLIS
  • 55404: $1,380
    MINNEAPOLIS
 
Cheapest Neighborhoods
In Minnesota
  • 56003: $901
    MANKATO
  • 55332: $906
    FAIRFAX
  • 56285: $909
    SACRED HEART
  • 56164: $913
    HATFIELD


Pay the Lowest Rate on the Block
Get real, custom quotes
and buy a better policy in minutes!

Minneapolis car insurance requirements

Minnesota state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $30,000/$60,000
Minimum property damage liability $10,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Personal injury protection $40,000