Here you’ll learn everything you need to know to buy the best car insurance policy in Minneapolis for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood.
You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Minneapolis drivers are affected by tickets, accidents and adding teen drivers.
- USAA Casualty Ins Co has the cheapest car insurance rates in Minneapolis, based on CarInsurance.com’s rate analysis for three different coverage levels.
- In Minnesota comprehensive costs $292 and collision costs $666, on an average per year, according to a rate data analysis done by CarInsurance.com.
- For state minimum coverage, the average cost in Minneapolis is $716.
- You can save an average of $2,361 a year on a full coverage policy in Minneapolis by comparing price quotes from different car insurance companies.
- If you get a speeding ticket in Minneapolis, your car insurance rates will go up by an average of 36%, or about $844 yearly.
- How Much Does Car Insurance Cost in Minneapolis, MN?
- Who Has Cheapest Car Insurance in Minneapolis, Minnesota?
- Who Has The Best Car Insurance in Minneapolis, MN?
- How Much Car Insurance do I Need in Minneapolis, MN?
- Compare Car Insurance Quotes in Minneapolis, MN & Save Money
- Minneapolis, MN Car Insurance FAQ’s
- Minneapolis Commuters
How Much Does Car Insurance Cost in Minneapolis, MN?
We all know that the cost of car insurance varies depending on your individual needs. But how much does it actually costs? CarInsurance.com analysed major insurers including Geico, Progressive Insurance Company (Progressive), State Farm, Allstate Co. and others, to determine average Minneapolis coverage costs for different levels and types.
The average rate for Minneapolis drivers for a year of minimum coverage is $716 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $3.75 more a month, or $45 more a year.
You can get full coverage (100/300/100) by paying $84.33 more a month, or an additional $1,012 a year more than minimum-level coverage.
The following data shows, what you can expect to pay for car insurance in Minneapolis, on average.
- State Minimum Policy: $716 per year
- Liability Coverage (50/100/50): $761 per year
- Full Coverage (100/300/100): $1,728 per year
Who Has Cheapest Car Insurance in Minneapolis, Minnesota?
USAA Casualty Ins Co and Nationwide Mutual Ins Co have the cheapest car insurance rates in Minneapolis, based on our rate analysis for three different coverage levels.
The driver profile is for age 40, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.
|Company||Liability Only – State Minimum BI/PD||Liability Only – 50/100/50 BI/PD||Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll|
|USAA Casualty Ins Co||$342||$383||$1,080|
|GEICO General Ins Co||$533||$586||$1,594|
|Owners Ins Co||$613||$661||$1,797|
|State Farm Mutl Automobile Ins||$637||$692||$1,368|
|Nationwide Mutual Ins Co||$733||$819||$1,280|
|MemberSelect Ins Co||$739||$792||$2,090|
|American Family Ins Co||$815||$861||$1,497|
|Standard Fire Ins Co||$825||$869||$1,603|
|Allstate Ind Co||$872||$912||$2,528|
|Metropolitan P&C Ins Co||$1,050||$1,037||$2,443|
Who Has The Best Car Insurance in Minneapolis, MN?
Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.
Below we list car insurance companies in Minneapolis, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policy holders and rate data analysis.
|Low Annual Mileage||State Farm Mutual Auto|
|Good Student||Illinois Farmers Ins|
|Bundle||Illinois Farmers Ins|
|Paid in Full||Progressive Preferred|
How Much Car Insurance do I Need in Minneapolis, MN?
Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.
Minimum Car Insurance Requirements in Minneapolis, MN
Minnesota car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.
If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Minnesota, comprehensive costs $292 and collision costs $666, on an average per year, according to a rate data analysis done by CarInsurance.com.
These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.
The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.
To protect your assets, you should buy liability insurance in the following amounts:
- $1,00,000 to pay for others’ medical bills
- $3,00,000 to pay for injuries to others in an accident you cause
- $1,00,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
- Collision, which pays for damage to your car from accidents.
Compare Car Insurance Quotes in Minneapolis, MN & Save Money
You can save an average of $2,361 annually on a full coverage policy in Minneapolis by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your particular circumstances, this shows that there is a significant benefit to shopping your policy.
Minneapolis, MN Car Insurance FAQ’s
How much does insurance go up after a speeding ticket in Minneapolis, MN?
A speeding ticket in Minneapolis will hike your car insurance rates by an average of 36% , or about $844 yearly. CarInsurance.com’s rate analysis shows how much more drivers in Minneapolis can expect to pay, on average, for speeding and other common violations.
Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions, such as DUI, typically stay on your record much longer.
How much does insurance go up for tickets in Minneapolis, MN?
Minneapolis drivers can expect to see a hike in their rates in the range of 33% for minor moving violations such as tailgating or blowing through a stop sign, 90% for more severe infractions such as DUI.
Below you’ll see how much rates increase, on average, for common traffic violations.
Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.
|Violation||Average rate||Rate after violation||$ Increase||% Increase|
|2 speeding tickets 11 mph or over||$2,322||$3,629||$1,307||56%|
|Distracted driving ticket||$2,322||$2,838||$516||22%|
|Driving without a license or permit||$2,322||$2,783||$461||20%|
|Driving without insurance||$2,322||$2,635||$313||13%|
|DUI/DWI first offense||$2,322||$4,485||$2,163||93%|
|DUI/DWI second offense||$2,322||$8,238||$5,916||255%|
|Failure to stop||$2,322||$2,816||$494||21%|
|Failure to yield||$2,322||$2,841||$519||22%|
|Following too closely||$2,322||$2,816||$494||21%|
|Operating a vehicle in a race (highway racing)||$2,322||$3,834||$1,512||65%|
|Talking on cellphone ticket||$2,322||$2,800||$478||21%|
How much will an accident raise my insurance in Minneapolis, MN?
An accident will increase car insurance rates by 41% to 101%, on average, for drivers in Minneapolis. When you file a claim for an accident that’s your fault, typically your car insurance rates will increase.
However, claims under your comprehensive coverage, if you have it as it’s optional, typically won’t trigger an increase. That’s because comprehensive claims are for damage insurers consider to be beyond your control, for instance due to hail, fire, flooding, falling objects or collisions with an animal.
The table below shows how much for drivers in Minneapolis can expect to pay for common car insurance claims.
|Accident||Average Rate||Rate after claim||$ Increase||% Increase|
|1 At-fault property damage accident over $2K||$2,322||$3,272||$950||41%|
|1 At-fault property damage accident under $2K||$2,322||$3,272||$950||41%|
|2 At-fault property damage accident over $2k||$2,322||$4,676||$2,354||101%|
|At-fault bodily injury accident||$2,322||$3,326||$1,004||43%|
How much does it cost to add a teen driver to your insurance in Minneapolis, MN?
In Minneapolis, adding a 16-year-old daughter to your policy will hike your rates by $1,769 annually, or 102% It’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,007, or 116% according to CarInsurance.com rate data.
Teen drivers are inexperienced, and are involved in more accidents than older drivers, according to federal research, and insurance companies categorize them as high-risk drivers, so they cost more to insure.
If you’re insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our “Parents guide to insuring a teen driver.”
How much is SR-22 insurance in Minneapolis, MN?
CarInsurance.com data show that for drivers in Minneapolis, your rate will go up by an average of $1,444 or 62%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.
An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.
The U.S. Census estimates that the average drive time for Minneapolis workers 16 and older to their work is 23.1 minutes. That’s significantly shorter than the national average of roughly 27.1 minutes (the 2018 average).
The Census calculated the mean time based on figures from 2014-2018. The result includes time spent waiting for public transportation, picking up passengers in carpools and on other activities related to getting to work.
Numbers compiled by Data USA showed that just 1.3% of the workforce in Minneapolis are “super commuters,” Those are motorists who drive more than 90 minutes to their job. The average drive time for Atlanta commuters in 2017 was 22.3 minutes — lower than the national average (25.7 minutes).
Here’s how those commuters get to work:
- Drive alone: 62%
- Public Transit: 13.1%
- Walk: 7.6%
Vehicle Ownership in Minneapolis
Compared nationally, Minneapolis households are within the average range for car ownership.
The largest share of households in the city has two cars, followed by one car, according to recent statistics from Data USA. The 2018 results also showed that nearly 10% of Minneapolis households had zero cars — and less than 2% had five cars.
A U.S. Census survey in 2016 showed that there were estimated to be 1.8 vehicles available per household nationwide.
The study showed, in Minneapolis:
- 2015 Households Without Vehicles: 18.2%
- 2016 Households Without Vehicles: 17.1%
- 2015 Vehicles per Household: 1.33
- 2016 Vehicles per Household: 1.35
Minneapolis’ County Crashes
According to the Minnesota Department of Public Safety, 79,215 traffic crashes were reported in 2018 and 146,107 motor vehicles and 172,908 people were involved in these crashes. Also, 381 people died and 27,877 people were injured.
Nearly 50 were killed and more than 8,000 were injured in crashes that occurred in Hennepin County in 2018 (the latest available).
- 2018 Fatal crashes: 52
- 2018 Injury crashes: 6,033
- 2018 People killed: 57
- 2018 People injured: 8,179
- 2017 Fatal crashes: 43
- 2017 Injury crashes: 6,473
- 2017 People killed: 45
- 2017 People injured: 8,724
In a comprehensive city traffic study in Minneapolis, researchers found:
- About 24% of drivers of passenger cars, pickup trucks and SUVs did not use a safety restraint in a fatal crash. Approximately 44% of vehicle passenger occupants were not restrained during a fatal crash.
- Fifty-eight percent of fatal crashes involved only one vehicle.
- Thirty-three percent of crash fatalities happened between 3 and 9 p.m.
- Ninety-five percent of vehicles involved in fatal crashes were passenger cars or light trucks.
- Forty percent of vehicles involved in fatal crashes were passenger cars, 39% light trucks, 10% motorcycles, 8% large trucks and 2% other (including buses).
Minneapolis Drunk Driving Fatal Crashes
Hennepin County had 15 alcohol-related fatal crashes in 2017. There were 43 total fatal crashes that year in Hennepin County.
Also in 2017, of the 6,473 crashes in Hennepin County that caused injuries, 413 of those were alcohol-related. There were 16 people killed in those drunk-driving crashes and 565 injured.
The city lists Hennepin County as the deadliest county in the state for impaired driving.
Minneapolis came in at number 24 on the 2018 annual report compiled by INRIX on the “most congested urban areas in the U.S.” list and landed 132nd in the “world’s most congested cities for the 2018” traffic scorecard.
In 2018, Minneapolis drivers lost approximately $971 each annually because of congestion. That’s much better than congestion king Boston, which lost $2,291. According to the study, Minneapolis drivers spend 70 hours stuck in traffic per year driving an average 14 mph during the last inner-city mile of travel.
Minneapolis didn’t rank all that high on another traffic congestion measurement report, meaning, it’s not nearly as bad as other major cities. GPS giant TomTom releases an annual traffic index, ranking the most congested cities by country, continent and the world.
With a 17% congestion level, Minneapolis earned the number 60 spot in North America (number 49 in the United States) in a 2019 list that was topped by Mexico City, Los Angeles, Vancouver and New York, and the city’s congestion went up 1% from 2018. Minneapolis ranked as the number 352 most traffic-congested by world’s standards on the TomTom list.
Christmas day saw the least amount of traffic in 2019 in Minneapolis with 0% average daily congestion, and Feb. 5 had the most at 76%.
The Most Dangerous Highway in Minneapolis
After analyzing three years’ worth of traffic fatality reports, security company A Secure Life discovered which roads had the most fatal car crashes from May through September. All data comes from the National Highway Traffic Safety Administration’s Fatality Analysis Reporting System.
US-169 was the most deadly highway in Minnesota with 27 deaths spanning from 2015 to 2017 in those months. The highway runs 966 miles from Virginia through Minnesota, including Minneapolis, and ends in Tulsa, OK.
Vision Zero Initiative
Minneapolis joined the national Vision Zero movement “to eliminate deaths and life-altering injuries on our streets. It is unacceptable that people die in traffic crashes on our streets. Together, we can prevent severe injuries and deaths caused by traffic crashes. To reach this ambitious goal, we are working with people from across our community to develop a Minneapolis Vision Zero Action Plan. The Action Plan will set our path to achieve a safe transportation network for all people.”
On Sept. 20, 2017, the Minneapolis City Council adopted a Vision Zero resolution “committing to the goal of zero traffic deaths and severe injuries on city streets by 2027.” The Vision Zero Action Plan is being coordinated with the Minneapolis Transportation Action Plan, which is a 10-year action plan to guide future planning, design and implementation of transportation projects for all people in all the ways they move around.
Both Action Plans provide implementation details for the vision set forth in the Minneapolis 2040 Comprehensive Plan, which also identified Vision Zero as a policy.
Most Dangerous Intersections in Minneapolis
A comprehensive 76-page city traffic study that compiles crash data to aid in a plan to curb fatalities and injuries among pedestrians, bicyclists and drivers as part of the Vision Zero initiative revealed the city’s worst streets and roads. The study breaks down by mode of travel (bicycle, foot or car) where the highest concentration of crashes occurred.
According to data collected by the city from 2007 to 2015, the most dangerous intersections for bicycles in Minneapolis were:
- 26th Street E and Hiawatha Avenue South: 18 crashes, 6% fatal or with severe injuries
- 2 Franklin Ave. and West Nicollet Avenue South: 15 crashes, 7% fatal or with severe injuries
- 3 Lake St. and West Lyndale Avenue South: 15 crashes, 7% fatal or with severe injuries
- 3rd Street and North Hennepin Avenue South: 14 crashes, 14% fatal or with severe injuries
- Franklin Avenue East and Chicago Avenue South: 14 crashes, none fatal or with severe injuries
- Franklin Avenue East and Cedar Avenue South: 13 crashes, 8% fatal or with severe injuries
- 7th Street North and Hennepin Avenue South: 12 crashes, none fatal or with severe injuries
- Franklin Avenue East and 3rd Avenue South: 12 crashes, not one fatal or with severe injuries
- Franklin Avenue East and Portland Avenue South: 12 crashes, none with severe injuries
- 28th Street East and Hiawatha Avenue South: 11 crashes, not one fatal or with severe injuries
Most Dangerous Intersections for Vehicles in Minneapolis:
- Olson Memorial Hwy and North West Lyndale Ave North: 206 crashes, 1% fatal or with severe injuries
- 26th Street East and Hiawatha Avenue South: 166 crashes, 2% fatal or with severe injuries
- West Broadway Avenue North and Washington Avenue North: 163 crashes, none fatal or with severe injuries
- Lake Street East and Cedar Avenue South: 162 crashes, none fatal or with severe injuries
- Olson Memorial Highway and East Lyndale Avenue North: 159 crashes, 2% fatal or with severe injuries
- 35th Street East and Stevens Avenue South: 145 crashes, none fatal or with severe injuries
- Vineland Place West and Lyndale Avenue South: 143 crashes, none fatal or with severe injuries
- Lowry Avenue Northeast and University Avenue Northeast: 131 crashes, none fatal or with severe injuries
- 9th Street South and 4th Avenue South: 129 crashes, none fatal or with severe injuries
- Broadway Street Northeast and University Ave. Northeast: 129 crashes, none fatal or with severe injuries
Auto Thefts in Minneapolis
You know you parked your car in the third spot over from the shopping cart return. But it’s not there.
There is an upward trend in auto thefts in Minneapolis, based on numbers compiled by city officials. There were 105 vehicles stolen in Minneapolis in 2017,123 in 2018 and 137 in 2019.
More vehicle thefts mean more auto insurance claims. More claims raises auto insurance rates, so don’t be surprised if you see your car insurance go up in the coming years.
Killed While Walking: Pedestrian Deaths in Minneapolis
Walk Score rates any address in the United States, giving it a “walkability score,” which determines how walkable a particular street or intersection may be. With a population of 382,578, Minneapolis scores high in the walkability category, coming in as the 11th most walkable large city in the U.S., with a “walkability score” of 70.
It gets a transit score of 57 and a remarkable bike score of 84. In fact, Minneapolis is considered the most bikeable city in the United States, coming in at number 1 on the Walk Score survey. With lots of bikes comes a greater chance of motorist-bicycle crashes. The Minneapolis Bicycle Master Plan calls for a 10% annual reduction in the number of bicyclist-motorist crashes.
Minneapolis isn’t unique in that it struggles with pedestrian-related crash fatalities and injuries, though it fares much better than many other major cities when comparing numbers in this category.
An average of 95 people are killed or severely injured in traffic crashes on streets in Minneapolis each year, according to the city’s Vision Zero report. The number of people killed or severely injured generally decreased from the mid-2000s until 2014, but has been increasing in recent years. In Minneapolis, crashes and injuries are concentrated on a small percentage of streets, often ones that have a high demand for walking, biking, transit and driving.
“People in Minneapolis make 15% of their trips on foot, but pedestrians are 29% of severe traffic injuries and deaths.”
Between 2008 and 2017, drivers struck and killed 49,340 people who were walking on streets in the United States. That equates to more than 13 people per day, or one person every hour and 46 minutes.
There were 361 pedestrian deaths between 2008 and 2017 in Minnesota, which has been ranked the 43rd most-dangerous state (plus Washington, DC) for pedestrians, according to a 2019 report called “Dangerous By Design” from Smart Growth America. The Minneapolis-St. Paul-Bloomington, MN, metro area ranked as the 89th most dangerous in the country for pedestrians, with 237 deaths during that time period. That’s an annual pedestrian death rate of 0.68 per 100,000 people.
Minneapolis Pedestrian Crash Study
The Minneapolis Pedestrian Crash Study assessed trends, contributing factors and characteristics of pedestrian crashes in Minneapolis over a 10-year span to better understand where, how and why pedestrian crashes are occurring in Minneapolis.
A few trends stand out from the analysis:
- Crashes are concentrated to a small number of streets
- Majority of pedestrian crashes happen at intersections
- Most intersection crashes happen at traffic signals
- Pedestrian crashes involving left-turning vehicles were more likely than right-turning crashes
- Low-income and non-white majority areas experience more pedestrian crashes per capita than other areas of the City of Minneapolis
- Older pedestrians are more likely to be involved in severe or fatal pedestrian crashes
- Slower vehicles speeds result in less severe crashes.
Minneapolis Fatal Crashes by Race
Crash data gathered by the city for a Vision Zero report found that Native American residents are 1% of Minneapolis population, but are 8% of people killed in vehicle crashes and 9% of people killed in pedestrian and bicycle crashes.
The report also found that black residents are over-represented in fatal vehicle crashes in Minneapolis and underrepresented in pedestrian and bicycle deaths. White and Asian residents are less likely to die in a vehicle crash, it found.
The study also reported that while 31% of Minneapolitans live in census tracts in areas of concentrated poverty where over half of residents are people of color, 40% of all crashes occur in these neighborhoods.
Fix your Muffler: How Loud is “Minneapolis Loud?”
An idling brain is the devil’s workshop. And an idling car in Minneapolis can put you in violation of an ordinance.
The anti-idling ordinance restricts idling of cars and other gas or diesel powered vehicles to no more than three minutes in a one-hour period. The ordinance also limits idling of buses, trucks and other diesel engine-powered vehicles to no more than five minutes in a one-hour period. There are a few exceptions.
Your noisy vehicle, too, could violate an ordinance. It’s rather vague, but Minneapolis law says, “Outdoor amplified sound audible above the level of conversational speech at a distance of 50 feet likely requires a sound permit at any time.”
Minneapolis law also states, “Sound from motor vehicle sound system or audio system clearly audible beyond 50 feet from where it is originating is illegal. Direct complaints on motor vehicles to 911 or the Crime Prevention Specialist in your precinct.”
Distracted Driver Law in Minneapolis
As of Aug. 1, 2019, Minnesota law requires drivers to put down their phones and go hands-free while driving. At no time may a driver hold a phone in their hand unless it’s to obtain emergency assistance, if there is an immediate threat to life and safety or when in an authorized emergency vehicle while performing official duties.
This new law applies to all drivers over 18, anytime, anywhere and includes while driving on city business or using a city phone.
The law allows drivers over 18 to use their cell phones to make calls, text, listen to music or podcasts or get directions, but only using voice commands or single-touch activation without holding the phone. Under this law, there is no change for drivers under 18. All previous restrictions will stay as currently enacted.