How to Find Affordable Plymouth Car Insurance
Driving through the city of Plymouth can be an exhilarating experience, with its bustling streets and vibrant atmosphere. However, it is crucial to ensure that you have adequate car insurance coverage before hitting the road. Comparing multiple car insurance policy rates has never been easier than with InsuranceQuotes.com. With their real-time cost data and user-friendly quote form, finding affordable auto insurance becomes a breeze while saving both money and time in one convenient place. Don’t compromise on your safety or financial well-being; trust InsuranceQuotes.com for all your car insurance needs in Plymouth and beyond
How Much is the Average Cost for Car Insurance in Plymouth, MN
- On average minimum liability costs for Plymouth drivers is $102 a month or $1,218 a year.
- Full coverage policies cost around $275 a month or $3,296 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Plymouth – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Plymouth
- In Plymouth on average the cheapest car insurance providers are State Farm, American Family and Owners-Insurance Co. State minimum liability car insurance starts at $54 a month or $647 a year with State Farm. Full coverage car insurance starts at $157 a month or $1,887 a year with American Family.
Here is a breakdown of average costs from the cheapest local insurance providers in Plymouth from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $647 | $54 | $2,352 | $196 |
| American Family | $860 | $72 | $1,887 | $157 |
| Owners Insurance | $944 | $79 | $3,740 | $312 |
| All State | $1,031 | $86 | $3,996 | $333 |
| Standard Fire Ins. Co | $1,577 | $131 | $3,408 | $284 |
Minnesota State Minimum Car Insurance Requirements
- Liability Coverage:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $10,000 for property damage per accident
- Personal Injury Protection (PIP):
- $40,000 for medical expenses per person
- $20,000 for non-medical expenses (such as lost wages) per person
- PIP coverage is mandatory in Minnesota and covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in the accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM):
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
These are the minimum coverage requirements mandated by the state of Minnesota. However, it’s important to note that drivers may choose to purchase higher coverage limits or additional types of coverage for more comprehensive protection.
Additionally, Minnesota also requires drivers to carry proof of insurance in their vehicles at all times and present it when requested by law enforcement officers or other authorities.
Compare Car Insurance in Nearby Minnesota Cities
- Car insurance in Minneapolis, MN
- Car insurance in St. Paul, MN
- Car insurance in Duluth, MN
- Car insurance in Rochester, MN
See all Minnesota car insurance rates.
Plymouth car insurance averages approximately $81 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Car insurance in Plymouth, Minnesota averages approximately $81 per month for full coverage in 2026 — one of the lowest rates of any Hennepin County city and among the most affordable in the Twin Cities metro. Plymouth sits in western Hennepin County, with primary roads including I-494, Highway 55, and County Road 9 carrying suburban traffic well below the density of inner Minneapolis. Westfield Insurance offers the cheapest minimum coverage in Minnesota at $19 per month statewide. Auto-Owners Insurance provides the best full coverage value at around $75 per month.
Plymouth benefits from its western Hennepin County position — further from the Minneapolis core than inner-ring suburbs, with lower accident frequency on its primary roads and lower vehicle theft rates than comparable communities north of Minneapolis. Plymouth’s affluent demographic profile, high homeownership rate, and newer vehicle fleet relative to inner-city communities tend to produce favorable risk profiles for insurers. Plymouth’s highway network — I-494 west of I-394, Highway 55, and the 494/169 interchange — generates commuter traffic but at volumes substantially lower than inner-city Minneapolis corridors. The result is one of the best rates available in Hennepin County for a fully suburban lifestyle.
Westfield Insurance offers Minnesota’s cheapest minimum coverage at approximately $19 per month statewide and is the essential first quote for Plymouth drivers. Westfield is available only through independent agents — find a Plymouth or Hennepin County independent agent to request a quote. Auto-Owners Insurance provides the best full coverage value statewide at around $75 per month and is available through independent agents. Travelers and State Farm are the most competitive national carrier options in Plymouth. Given Plymouth’s favorable suburban risk profile, drivers who compare Westfield and Auto-Owners alongside national brands consistently find the regional carriers provide the best value.
Yes — all Plymouth drivers must carry Minnesota’s mandatory $40,000 Personal Injury Protection (PIP), 30/60/10 liability minimums, and uninsured motorist coverage. Minnesota is a no-fault state, meaning PIP pays your medical bills after any accident regardless of fault. Plymouth drivers with comprehensive employer health coverage should discuss PIP coordination with their agent — coordinating PIP with an existing health plan can sometimes reduce the PIP premium component while maintaining required coverage levels.
Yes — Plymouth drivers benefit from comprehensive coverage for Minnesota’s seasonal hazards. Spring hailstorms regularly impact western Hennepin County, generating widespread vehicle damage to hoods, roofs, and windshields. Deer collision risk is meaningful on Plymouth’s outer roads approaching Medicine Lake and the city’s western rural fringe on roads like Vicksburg Lane and Dunkirk Lane. Vehicle theft rates in Plymouth run below Metro averages, but comprehensive covers all theft losses, making it worthwhile regardless. At $20 to $30 per month added to a Plymouth policy, comprehensive covers the full range of Minnesota weather and wildlife hazards.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
