- 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 $1,776 per year, or approximately $148 per month.
- Brooklyn Park, MN, car insurance averages $112 per year more than the Minnesota state average cost ($1,664) and $107 per year less than the average rate for all 50 U.S. states ($1,883).
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 $1,454 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 Kia Niro, 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 $127 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.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,312 | $109 |
| 2 | Chevrolet Trailblazer | $1,336 | $111 |
| 3 | Kia Soul | $1,386 | $116 |
| 4 | Nissan Kicks | $1,400 | $117 |
| 5 | Honda Passport | $1,416 | $118 |
| 6 | Buick Envision | $1,424 | $119 |
| 7 | Toyota Corolla Cross | $1,432 | $119 |
| 8 | Hyundai Venue | $1,444 | $120 |
| 9 | Mazda CX-5 | $1,448 | $121 |
| 10 | Ford Bronco Sport | $1,454 | $121 |
| 11 | Volkswagen Tiguan | $1,470 | $123 |
| 12 | Acura RDX | $1,486 | $124 |
| 13 | Nissan Murano | $1,492 | $124 |
| 14 | Buick Encore | $1,508 | $126 |
| 15 | Honda CR-V | $1,514 | $126 |
| 16 | Subaru Outback | $1,514 | $126 |
| 17 | Buick Envista | $1,520 | $127 |
| 18 | Chevrolet Colorado | $1,520 | $127 |
| 19 | Kia Niro | $1,522 | $127 |
| 20 | Volkswagen Taos | $1,524 | $127 |
| 21 | Toyota GR Corolla | $1,544 | $129 |
| 22 | Honda HR-V | $1,546 | $129 |
| 23 | Subaru Ascent | $1,546 | $129 |
| 24 | Nissan Leaf | $1,558 | $130 |
| 25 | Honda Civic | $1,574 | $131 |
| 26 | Lexus NX 250 | $1,574 | $131 |
| 27 | Volkswagen Atlas | $1,576 | $131 |
| 28 | Acura Integra | $1,578 | $132 |
| 29 | Volkswagen Atlas Cross Sport | $1,584 | $132 |
| 30 | Subaru Forester | $1,586 | $132 |
| 31 | Kia Seltos | $1,588 | $132 |
| 32 | GMC Terrain | $1,590 | $133 |
| 33 | Nissan Rogue | $1,598 | $133 |
| 34 | Hyundai Kona | $1,600 | $133 |
| 35 | Cadillac XT4 | $1,602 | $134 |
| 36 | Mazda CX-30 | $1,604 | $134 |
| 37 | Ford Explorer | $1,610 | $134 |
| 38 | Volkswagen ID4 | $1,610 | $134 |
| 39 | Toyota Highlander | $1,618 | $135 |
| 40 | Ford Escape | $1,622 | $135 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Brooklyn Park, MN Zip Codes. Updated February 23, 2024
Other models ranking in the top 40 table above include the Lexus NX 250, the Nissan Leaf, the Volkswagen Atlas Cross Sport, and the Nissan Rogue. Rates for those vehicles fall between $1,522 and $1,622 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 $2,086 per year, the Ram Truck at $2,054, and the Tesla Model X at $2,232.
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 $1,776 per year, which is 5.8% less than the U.S. average rate of $1,883. Car insurance in Brooklyn Park per month costs approximately $148 per month for a full-coverage car insurance policy.
In the state of Minnesota, the average car insurance cost is $1,664 per year, so the cost in Brooklyn Park averages $112 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, $154 per year cheaper than in Minneapolis, and $250 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 $1,246 per year for a 60-year-old driver with a policy with high physical damage deductibles to $4,158 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 $104 to $347 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 – $6,329 per year or $527 per month
- 17-year-old rated driver – $6,132 per year or $511 per month
- 18-year-old rated driver – $5,497 per year or $458 per month
- 19-year-old rated driver – $5,006 per year or $417 per month
- 20-year-old rated driver – $3,574 per year or $298 per month
- 30-year-old rated driver – $1,898 per year or $158 per month
- 40-year-old rated driver – $1,776 per year or $148 per month
- 50-year-old rated driver – $1,576 per year or $131 per month
- 60-year-old rated driver – $1,476 per year or $123 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 $416 less than male drivers each year, while at age 19, the cost difference is less but females still cost $772 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 $53 and $173 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 $474 per year. Serious infractions like hit-and-run could raise rates by an additional $1,648 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 $279 per year versus a credit score between 670-739. Conversely, a poor credit rating could cost around $323 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 $646 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 $298 per year.