For a 40-year-old driver with a clean record, Minneapolis car insurance averages about $253 a month ($3,036 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 13% 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 $156 a month.
Minneapolis is the most expensive mailing city in Minnesota in our data, though the ZIP codes that serve Brooklyn Park, inside it, average more. Our benchmark driver pays about $30 a month more here than the state average and about $58 a month more than in Rochester.
Our data covers 49 ZIP codes with a Minneapolis mailing address, which includes suburbs such as Bloomington, Brooklyn Park, Plymouth and Edina and some Anoka County suburbs, and prices vary widely across them, from about $219 a month in 55438 to $305 in 55411.
Cost data comes from the auto rates insurers file with state regulators, priced across all 49 Minneapolis ZIP codes in our data, 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 Minneapolis averages $3,036 a year, or about $253 a month, for our benchmark driver. Liability-only coverage at Minnesota’s 30/60/10 minimum averages $942 a year ($79 a month), and 50/100/50 liability with comprehensive and collision averages $2,971 ($248 a month).
Travelers has the lowest full-coverage average among the six insurers in our Minneapolis 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, Auto-Owners and Travelers are effectively tied for the lowest average, at about $60 a month each.
Full-coverage averages by insurer in Minneapolis
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 | $1,871 | $156 |
| State Farm | $863 | $72 | $2,273 | $189 |
| Auto-Owners | $719 | $60 | $2,322 | $194 |
| GEICO | $1,053 | $88 | $3,225 | $269 |
| Allstate | $1,405 | $117 | $4,114 | $343 |
| American Family | $887 | $74 | $4,411 | $368 |
| USAA (military families)* | $676 | $56 | $2,347 | $196 |
| Nationwide* | $1,574 | $131 | $3,096 | $258 |
| North Star Mutual* | $762 | $64 | $3,784 | $315 |
| Minneapolis average | $942 | $79 | $3,036 | $253 |
This table uses Minneapolis ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 49 Minneapolis ZIP codes we price, full coverage for our driver ranges from about $219 a month in 55438 to $305 in 55411, a gap of $1,040 a year. North Minneapolis ZIP codes such as 55411 and 55412 are the most expensive in our data, and southwest suburban ZIP codes such as 55438 in Bloomington are the least expensive.
Lowest-priced Minneapolis ZIP codes
Highest-priced Minneapolis ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Minneapolis’ 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: |
|---|---|---|---|---|---|
| 55401 | $1,026 | $86 | $3,267 | $272 | +8% |
| 55403 | $1,025 | $85 | $3,264 | $272 | +8% |
| 55404 | $1,050 | $88 | $3,496 | $291 | +15% |
| 55405 | $1,024 | $85 | $3,327 | $277 | +9% |
| 55406 | $994 | $83 | $3,249 | $271 | +7% |
| 55407 | $1,045 | $87 | $3,454 | $288 | +14% |
| 55408 | $1,027 | $86 | $3,461 | $288 | +14% |
| 55409 | $986 | $82 | $3,221 | $268 | +6% |
| 55410 | $832 | $69 | $2,805 | $234 | -8% |
| 55411 | $1,098 | $92 | $3,662 | $305 | +21% |
| 55412 | $1,084 | $90 | $3,536 | $295 | +17% |
| 55413 | $1,026 | $86 | $3,281 | $273 | +8% |
| 55414 | $1,014 | $85 | $3,291 | $274 | +8% |
| 55415 | $1,015 | $85 | $3,208 | $267 | +6% |
| 55416 | $838 | $70 | $2,782 | $232 | -8% |
| 55417 | $920 | $77 | $2,990 | $249 | -2% |
| 55418 | $952 | $79 | $3,060 | $255 | +1% |
| 55419 | $861 | $72 | $2,927 | $244 | -4% |
| 55420 | $870 | $73 | $2,919 | $243 | -4% |
| 55421 | $972 | $81 | $3,103 | $259 | +2% |
| 55422 | $940 | $78 | $2,921 | $243 | -4% |
| 55423 | $892 | $74 | $2,969 | $247 | -2% |
| 55424 | $820 | $68 | $2,751 | $229 | -9% |
| 55425 | $872 | $73 | $2,907 | $242 | -4% |
| 55426 | $888 | $74 | $2,859 | $238 | -6% |
| 55427 | $908 | $76 | $2,844 | $237 | -6% |
| 55428 | $991 | $83 | $3,066 | $256 | +1% |
| 55429 | $1,094 | $91 | $3,359 | $280 | +11% |
| 55430 | $1,094 | $91 | $3,430 | $286 | +13% |
| 55431 | $846 | $71 | $2,754 | $230 | -9% |
| 55432 | $967 | $81 | $3,051 | $254 | About average |
| 55433 | $896 | $75 | $2,847 | $237 | -6% |
| 55434 | $916 | $76 | $2,916 | $243 | -4% |
| 55435 | $829 | $69 | $2,726 | $227 | -10% |
| 55436 | $811 | $68 | $2,678 | $223 | -12% |
| 55437 | $818 | $68 | $2,676 | $223 | -12% |
| 55438 | $799 | $67 | $2,622 | $219 | -13% |
| 55439 | $814 | $68 | $2,680 | $223 | -12% |
| 55441 | $838 | $70 | $2,672 | $223 | -12% |
| 55442 | $866 | $72 | $2,787 | $232 | -8% |
| 55443 | $1,064 | $89 | $3,230 | $269 | +6% |
| 55444 | $1,062 | $89 | $3,212 | $268 | +6% |
| 55445 | $984 | $82 | $3,060 | $255 | +1% |
| 55446 | $859 | $72 | $2,742 | $229 | -9% |
| 55447 | $852 | $71 | $2,729 | $227 | -10% |
| 55448 | $898 | $75 | $2,833 | $236 | -7% |
| 55449 | $863 | $72 | $2,770 | $231 | -9% |
| 55454 | $1,007 | $84 | $3,218 | $268 | +6% |
| 55455 | $994 | $83 | $3,151 | $263 | +4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $65 a year on average in our Minneapolis data, with the same $500 deductibles. That’s about $5 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 Minneapolis ZIP codes, their full-coverage average fell from $3,222 a year nine months earlier to $2,998 in rates as of Aug. 31, 2026, a 7.0% drop. American Family cut its Minneapolis average 19.1% and Auto-Owners 3.0%, 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 Minneapolis average above. Liability-only coverage at 30/60/10 limits fell 7.0%, led by American Family, which cut its liability-only average 26.5%.
Hennepin County averages about $243 a month for full coverage in our data, second only to Ramsey County, home to St. Paul, at $255. Anoka County, to the north, averages $235, and Dakota County, to the south, $219.
Prices drop toward the western suburbs: Eden Prairie averages about $211 a month and Hopkins $219. The ZIP codes that serve Bloomington average $231, Plymouth $228 and Brooklyn Park $264. Where you live is one of the factors Minnesota insurers use, so neighboring cities can be priced differently.
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.
St. Paul, across the Mississippi River, averages $244 a month, and Lakeville, about 20 miles south, $211. Rochester averages $195 and Duluth $204.
Drivers in Minneapolis 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 Minneapolis averages about $253 a month ($3,036 a year) and liability-only coverage about $79 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 13% above the Minnesota average of $223 a month.
Travelers has the lowest full-coverage average in our Minneapolis rate data, at about $156 a month, followed by State Farm and Auto-Owners, effectively tied at $189 and $194. For liability-only coverage, Auto-Owners and Travelers are effectively tied for the lowest average. 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, Minneapolis full coverage averages about $253 a month, 13% above the Minnesota average. Hennepin County is the second-most expensive of the 64 counties we price, and prices are highest in north Minneapolis, at about $305 a month in 55411.
In our data, 55438 has the lowest full-coverage average in Minneapolis, at about $219 a month, and 55411 the highest, at about $305. The ZIP code table on this page lists all 49.
In our Minneapolis data, full coverage (100/300/100 with $500 deductibles) averages about $253 a month and liability-only coverage at 30/60/10 limits about $79, a difference of about $174 a month ($2,094 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 Minneapolis full-coverage average fell 7.0%, from about $3,222 to $2,998 a year. That’s lower than the Minneapolis average of $3,036 because it leaves out GEICO. American Family cut its Minneapolis average 19.1% and Auto-Owners 3.0%. Liability-only coverage at 30/60/10 limits fell 7.0%.
For our benchmark driver, full coverage in Minneapolis averages about $253 a month. Nearby, St. Paul averages about $244, Bloomington about $231 and Brooklyn Park about $264. St. Paul and Bloomington are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
