For a 40-year-old driver with a clean record, Brooklyn Park car insurance averages about $264 a month ($3,168 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% above the Minnesota average of $223 a month. Travelers has the lowest full-coverage average of the six major insurers we compared (Allstate, American Family, Auto-Owners, GEICO, State Farm and Travelers), at about $154 a month.
Brooklyn Park is the most expensive of the eight Minnesota cities we publish guides for. The ZIP codes that serve it average about $11 a month more than the ZIP codes with a Minneapolis mailing address and about $41 a month more than the Minnesota average.
The three ZIP codes that serve Brooklyn Park run from about $255 a month in 55445 to $269 in 55443.
Cost data comes from the auto rates insurers file with state regulators, priced across the three ZIP codes that serve Brooklyn Park, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Brooklyn Park averages $3,168 a year, or about $264 a month, for our benchmark driver. Liability-only coverage at Minnesota’s 30/60/10 minimum averages $1,037 a year ($86 a month), and 50/100/50 liability with comprehensive and collision averages $3,096 ($258 a month).
Travelers has the lowest full-coverage average among the six insurers in our Brooklyn Park rate data. The published 2026 statewide Minnesota rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the six we checked put it first, apart from USAA, which sells only to military families. For liability-only coverage at 30/60/10 limits, Travelers has the lowest average among the six major insurers we compared, at about $60 a month, with Auto-Owners close behind at $63.
Full-coverage averages by insurer in Brooklyn Park
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $723 | $60 | $1,845 | $154 |
| Auto-Owners | $757 | $63 | $2,255 | $188 |
| State Farm | $936 | $78 | $2,298 | $192 |
| GEICO | $1,263 | $105 | $3,683 | $307 |
| Allstate | $1,632 | $136 | $4,100 | $342 |
| American Family | $909 | $76 | $4,825 | $402 |
| USAA (military families)* | $744 | $62 | $2,448 | $204 |
| Nationwide* | $1,733 | $144 | $3,230 | $269 |
| North Star Mutual* | $839 | $70 | $3,948 | $329 |
| Brooklyn Park average | $1,037 | $86 | $3,168 | $264 |
This table uses Brooklyn Park ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the three Brooklyn Park ZIP codes we price, full coverage for our driver ranges from about $255 a month in 55445 to $269 in 55443, a gap of $170 a year. 55445, on the city’s northwest side, is the least expensive in our data, and 55443, in the center of the city, and 55444, on the east side, the most expensive.
Lowest-priced Brooklyn Park ZIP code
Highest-priced Brooklyn Park ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Brooklyn Park’s average.
| ZIP Code: | Minimum Liability 30/60/10 (Yearly): | Minimum Liability 30/60/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 55443 | $1,064 | $89 | $3,231 | $269 | +2% |
| 55444 | $1,063 | $89 | $3,212 | $268 | +2% |
| 55445 | $984 | $82 | $3,061 | $255 | -3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $72 a year on average in our Brooklyn Park data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Brooklyn Park ZIP codes, their full-coverage average fell from $3,276 a year nine months earlier to $3,065 in rates as of Aug. 31, 2026, a 6.4% drop. American Family cut its Brooklyn Park average 16.9% and Auto-Owners 2.8%, while Allstate’s, State Farm’s and Travelers’ averages were about unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Brooklyn Park average above. Liability-only coverage at 30/60/10 limits fell 6.7%, led by American Family, which cut its liability-only average 26.5%.
Hennepin County averages about $243 a month for full coverage, the second-most expensive of the 64 Minnesota counties we price, and Brooklyn Park sits at the upper end of it.
Neighboring suburbs to the north and west cost less: Champlin averages about $227 a month, Osseo $216 and Maple Grove $213. Minnesota insurers price by location as well as by driver and car, so your ZIP code can move your price.
More Minnesota cities and towns are in the Minnesota rates by city table, and you can compare states on our car insurance rates by state page.
Plymouth averages $228 a month, and Minneapolis averages $253 across its mailing-address ZIP codes. St. Paul averages $244.
Drivers in Brooklyn Park follow Minnesota’s rules. Every policy must include at least:
Our Minnesota requirements guide covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Minnesota law and the Minnesota Department of Commerce. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Brooklyn Park averages about $264 a month ($3,168 a year) and liability-only coverage about $86 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% above the Minnesota average of $223 a month.
Travelers has the lowest full-coverage average in our Brooklyn Park rate data, at about $154 a month, followed by Auto-Owners and State Farm, effectively tied at $188 and $192. For liability-only coverage, Travelers has the lowest average, at about $60 a month. Five of the six published 2026 statewide Minnesota rate studies we reviewed also rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, the ZIP codes that serve Brooklyn Park average about $264 a month for full coverage, 18% above the Minnesota average and the highest of the cities we publish guides for. Hennepin County is the second-most expensive county in our data.
In our data, 55445 has the lowest full-coverage average in Brooklyn Park, at about $255 a month, and 55443 the highest, at about $269. The ZIP code table on this page lists all three.
In our Brooklyn Park data, full coverage (100/300/100 with $500 deductibles) averages about $264 a month and liability-only coverage at 30/60/10 limits about $86, a difference of about $178 a month ($2,131 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Minnesota law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (GEICO is new over the past nine months), their Brooklyn Park full-coverage average fell 6.4%, from about $3,276 to $3,065 a year. That’s lower than the Brooklyn Park average of $3,168 because it leaves out GEICO. American Family cut its Brooklyn Park average 16.9% and Auto-Owners 2.8%. Liability-only coverage at 30/60/10 limits fell 6.7%.
For our benchmark driver, full coverage in Brooklyn Park averages about $264 a month. Nearby, Plymouth averages about $228, Minneapolis about $253 and St. Paul about $244. Plymouth, Minneapolis and St. Paul are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
