Brooklyn Park, MN, Cheapest Cars to Insure – 2025 Rates and Quotes

• Crossover vehicles like the Toyota Corolla Cross, Nissan Kicks, Kia Soul, and Subaru Crosstrek receive top rankings for the cheapest car insurance in Brooklyn Park.
• Average car insurance cost in Brooklyn Park is $2,344 per year, or approximately $195 per month.
• Brooklyn Park, MN, car insurance averages $116 per year more than the Minnesota state average cost ($2,228) and $123 per year more than the average rate for all 50 U.S. states ($2,221).

Top 40 cheapest cars to insure in Brooklyn Park

The vehicles with the best insurance quotes in Brooklyn Park, MN, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, and Nissan Kicks.

Average auto insurance quotes for models that make the top ten cost $1,920 or less per year to insure for full coverage in Brooklyn Park.

A few other models that are highly ranked in the cost comparison table are the Honda HR-V, Volkswagen Tiguan, Nissan Murano, and Acura RDX. The average cost is somewhat higher for those models than the crossovers and compact SUVs at the top of the list, but they still have an average cost of $170 or less per month in Brooklyn Park.

The following table details the 40 cars, trucks, and SUVs with the cheapest insurance rates in Brooklyn Park, ordered by cost.

Other models ranking in the top 40 table above include the Honda Civic, the Chevrolet Colorado, the Volkswagen Atlas Cross Sport, and the Nissan Rogue. Rates for those vehicles fall between $2,040 and $2,138 per year.

In contrast with the cheapest car insurance rates, a few vehicles that cost considerably more to insure include the Tesla Model 3 which averages $2,752 per year, the Ram Truck at $2,710, and the Tesla Model X at $2,946.

For extremely high-priced insurance, car models like the BMW M8, BMW 750i, Aston Martin DBX, and Nissan GT-R have rates that can easily exceed three times the cost of the cheapest models.

How much does car insurance cost in Brooklyn Park?

The average price for car insurance in Brooklyn Park is $2,344 per year, which is 5.4% more than the U.S. average rate of $2,221. Car insurance in Brooklyn Park per month costs approximately $195 per month for a full-coverage car insurance policy.

In the state of Minnesota, the average car insurance cost is $2,228 per year, so the cost in Brooklyn Park averages $116 more per year.

The cost of car insurance in Brooklyn Park compared to other Minnesota locations is approximately $178 per year more than in Duluth, $152 per year cheaper than in Minneapolis, and $252 per year more than in Rochester.

The next chart shows average auto insurance cost in Brooklyn Park, Minnesota, for all 2024 models. Rates are averaged for all Brooklyn Park Zip Codes and shown by driver age and policy deductible amounts.

In the chart above, the cost of auto insurance in Brooklyn Park ranges from $1,644 per year for a 60-year-old driver with a policy with high physical damage deductibles to $5,484 per year for a 20-year-old driver with a low deductible. From a monthly budget point of view, the average cost in the chart above ranges from $137 to $457 per month.

Auto insurance rates can have a very wide price range and are impacted by many different factors. The potential for significant variability stresses the need to get multiple car insurance quotes when shopping around for the cheapest rate.

The age of the driver is probably the number one factor that determines the cost of car insurance. The list below illustrates this point by showing average car insurance rates in Brooklyn Park for driver ages from 16 to 60.

Average cost of car insurance in Brooklyn Park, Minnesota, for drivers age 16 to 60

• 16-year-old rated driver – $8,348 per year or $696 per month
• 17-year-old rated driver – $8,086 per year or $674 per month
• 18-year-old rated driver – $7,251 per year or $604 per month
• 19-year-old rated driver – $6,599 per year or $550 per month
• 20-year-old rated driver – $4,716 per year or $393 per month
• 30-year-old rated driver – $2,502 per year or $209 per month
• 40-year-old rated driver – $2,344 per year or $195 per month
• 50-year-old rated driver – $2,078 per year or $173 per month
• 60-year-old rated driver – $1,944 per year or $162 per month

The rates in the list above for insuring teenage drivers were based on a male driver. The next chart gets more specific and shows average car insurance rates for teenagers by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.

Auto insurance for a 16-year-old female driver in Brooklyn Park costs an average of $550 less than male drivers each year, while at age 19, the cost difference is less but females still cost $1,016 less per year.

Saving money on auto insurance

Brooklyn Park drivers should always be thinking of ways to reduce their monthly insurance expenses, so glance at the savings concepts in this next list and it’s very possible you can save a few bucks on your next policy purchase.

• Your choice of occupation could lower your rates. The vast majority of car insurance providers offer discounts for specific professions like dentists, high school and elementary teachers, doctors, emergency medical technicians, firefighters, and others. If your profession qualifies you for this discount, you could potentially save between $70 and $228 on your yearly car insurance bill, depending on your age.
• Break the law and you’ll pay more. In order to have the cheapest auto insurance in Brooklyn Park, it pays to drive safe. In fact, just a few minor traffic citations could result in spiking policy cost as much as $624 per year. Serious infractions like hit-and-run could raise rates by an additional $2,176 or more.
• Compare car insurance quote before buying a car. Different cars can have significantly different car insurance rates, and insurers charge a wide range of costs. Get multiple insurance quotes before you buy a different vehicle to prevent insurance sticker shock when you receive your bill.
• Raise your credit score for cheaper insurance rates. Drivers with high 800+ credit scores could save around $368 per year versus a credit score between 670-739. Conversely, a poor credit rating could cost around $427 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Buy vehicles with low cost auto insurance rates. The performance of the vehicle you drive has a significant impact on the cost of auto insurance. For example, a Kia Soul costs $846 less per year to insure in Brooklyn Park than a Nissan 370Z. Lower performance vehicles save money.
• Research discounts to lower the cost. Discounted rates may be available if the insured drivers are homeowners, choose electronic billing, are accident-free, are good students, or many other discounts which could save the average Brooklyn Park driver as much as $396 per year.