Minneapolis-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.
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.
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Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.