For a 40-year-old driver with a clean record, Plymouth car insurance averages about $228 a month ($2,732 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as 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 $144 a month.
Plymouth costs less than Minneapolis for our benchmark driver: about $25 a month less than the ZIP codes with a Minneapolis mailing address, and about $5 a month more than the Minnesota average.
The four ZIP codes that serve Plymouth are priced close together, from about $223 a month in 55441 to $232 in 55442.
Cost data comes from the auto rates insurers file with state regulators, priced across the four ZIP codes that serve Plymouth, 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 Plymouth averages $2,732 a year, or about $228 a month, for our benchmark driver. Liability-only coverage at Minnesota’s 30/60/10 minimum averages $854 a year ($71 a month), and 50/100/50 liability with comprehensive and collision averages $2,678 ($223 a month).
Travelers has the lowest full-coverage average among the six insurers in our Plymouth 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 $54 and $56 a month.
Full-coverage averages by insurer in Plymouth
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 | $666 | $56 | $1,726 | $144 |
| Auto-Owners | $649 | $54 | $2,093 | $174 |
| State Farm | $903 | $75 | $2,380 | $198 |
| GEICO | $894 | $75 | $2,897 | $241 |
| Allstate | $1,235 | $103 | $3,642 | $304 |
| American Family | $777 | $65 | $3,656 | $305 |
| USAA (military families)* | $613 | $51 | $2,112 | $176 |
| Nationwide* | $1,427 | $119 | $2,786 | $232 |
| North Star Mutual* | $691 | $58 | $3,405 | $284 |
| Plymouth average | $854 | $71 | $2,732 | $228 |
This table uses Plymouth ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the four Plymouth ZIP codes we price, full coverage for our driver ranges from about $223 a month in 55441 to $232 in 55442, a gap of $115 a year. 55441, in southeast Plymouth, is the least expensive in our data, and 55442, on the northeast side, the most expensive.
Lowest-priced Plymouth ZIP code
Highest-priced Plymouth ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Plymouth’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: |
|---|---|---|---|---|---|
| 55441 | $838 | $70 | $2,672 | $223 | -2% |
| 55442 | $866 | $72 | $2,787 | $232 | +2% |
| 55446 | $859 | $72 | $2,742 | $229 | About average |
| 55447 | $852 | $71 | $2,729 | $227 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $54 a year on average in our Plymouth data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it 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 Plymouth ZIP codes, their full-coverage average fell from $2,901 a year nine months earlier to $2,699 in rates as of Aug. 31, 2026, a 7.0% drop. American Family cut its Plymouth average 20.5% and Auto-Owners 2.9%, 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 Plymouth average above. Liability-only coverage at 30/60/10 limits fell 6.6%, led by American Family, which cut its liability-only average 25.6%.
Hennepin County averages about $243 a month for full coverage, the second-most expensive of the 64 Minnesota counties we price, and Plymouth sits below that average.
Nearby suburbs cost a little less: Wayzata, to the southwest, averages about $208 a month and Maple Grove, to the north, $213. 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.
Brooklyn Park averages $264 a month, and Bloomington $231. Minneapolis averages $253 across its mailing-address ZIP codes.
Drivers in Plymouth 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 Plymouth averages about $228 a month ($2,732 a year) and liability-only coverage about $71 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Minnesota average of $223 a month.
Travelers has the lowest full-coverage average in our Plymouth rate data, at about $144 a month, followed by Auto-Owners at $174. 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.
Plymouth, for our benchmark driver. The ZIP codes that serve Plymouth average about $228 a month for full coverage, and ZIP codes with a Minneapolis mailing address about $253.
In our data, 55441 has the lowest full-coverage average in Plymouth, at about $223 a month, and 55442 the highest, at about $232. The ZIP code table on this page lists all four.
In our Plymouth data, full coverage (100/300/100 with $500 deductibles) averages about $228 a month and liability-only coverage at 30/60/10 limits about $71, a difference of about $157 a month ($1,878 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 Plymouth full-coverage average fell 7.0%, from about $2,901 to $2,699 a year. That’s lower than the Plymouth average of $2,732 because it leaves out GEICO. American Family cut its Plymouth average 20.5% and Auto-Owners 2.9%. Liability-only coverage at 30/60/10 limits fell 6.6%.
For our benchmark driver, full coverage in Plymouth averages about $228 a month. Nearby, Brooklyn Park averages about $264, Minneapolis about $253 and Bloomington about $231. Plymouth is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
