- Minneapolis car insurance rates cost an average of $1,600 per year, or about $133 per month.
- Minneapolis auto insurance costs an average of $262 per year more than the Minnesota state average cost ($1,338) and $33 per year more than the average rate for all 50 states ($1,567).
- Compact SUVs like the Mazda CX-5, Nissan Kicks, and Toyota C-HR have the best chance of receiving cheap car insurance in Minneapolis.
- Models with the cheapest auto insurance in Minneapolis in their automotive segment include the Ford F150 at $1,550 per year, Cadillac XT5 at $1,576 per year, Mazda CX-5 at $1,216 per year, and Acura RDX at $1,374 per year.
How much does Minneapolis car insurance cost?
Average auto insurance cost in Minneapolis is $1,600 per year, which is 2.1% more than the U.S. average rate of $1,567. Car insurance in Minneapolis per month costs around $133 for a policy that provides full coverage.
In the state of Minnesota, the average price for car insurance is $1,338 per year, so the average cost in Minneapolis is $262 more per year. When prices are compared to other cities in Minnesota, the average cost of auto insurance in Minneapolis is about $8 per year less than in St. Paul, $392 per year more expensive than in Rochester, and $258 per year more expensive than in Bloomington.
The chart below shows different average Minneapolis auto insurance rates based on a variety of different driver ages, policy physical damage deductibles, and risk scenarios.
In the chart above, the cost of car insurance in Minneapolis ranges from $1,330 per year for a 40-year-old driver who qualifies for a great discount rate to $3,628 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy. When those numbers are converted to a monthly rate, the average cost in the chart above ranges from $111 to $302 per month.
Car insurance rates have extreme variability and can also be significantly different between companies. The potential for large premium differences reinforces the need for accurate auto insurance quotes when shopping for the cheapest car insurance coverage.
The age of the rated driver is the single-largest factor that determines the cost of auto insurance, so the list below illustrates these differences by showing the difference in average car insurance rates in Minneapolis for different driver ages.
Average car insurance rates in Minneapolis for drivers age 16 to 60
- 16 year old – $5,738 per year or $478 per month
- 17 year old – $5,360 per year or $447 per month
- 18 year old – $5,002 per year or $417 per month
- 19 year old – $4,524 per year or $377 per month
- 20 year old – $3,178 per year or $265 per month
- 30 year old – $1,688 per year or $141 per month
- 40 year old – $1,600 per year or $133 per month
- 50 year old – $1,456 per year or $121 per month
- 60 year old – $1,432 per year or $119 per month
The previous rates shown that detailed the cost to insure teen drivers were based on a male driver. The next chart gets more specific and separates the average cost to insure teen drivers in Minneapolis by gender. Teenage females tend to have cheaper auto insurance rates than their male counterparts.
Car insurance for a 16-year-old female in Minneapolis costs an average of $686 less per year than the cost for a 16-year-old male, while at age 19, the cost difference is significantly less but still $500 per year.
The vehicle models that have high popularity in Minneapolis tend to be compact or midsize cars like the Volkswagen Jetta, Honda Civic, and Kia K5 and small or midsize SUVs like the Toyota RAV4, Chevy Equinox, and Subaru Outback.
Additional popular vehicles from other segments include luxury SUVs like the Lexus RX 350, BMW X5, and Infiniti QX60, luxury cars like the Infiniti Q50, BMW 530i, and Tesla Model S, and pickup trucks like the Chevy Silverado, Ford F-150, and Ford Ranger.
We get into rates in much more detail a little farther in this article, but before we get into that data, let’s review some of the ideas that we covered up to this point.
- Minneapolis car insurance prices are more expensive than the Minnesota state average – $1,600 (Minneapolis average) versus $1,338 (Minnesota average)
- Low deductibles cost more than high deductibles – A 50-year-old driver pays an average of $664 more per year for a $250 deductible policy versus a $1,000 deductible policy.
- Minneapolis car insurance costs more than the U.S. average – $1,600 (Minneapolis average) compared to $1,567 (U.S. average)
- Car insurance rates fall substantially from age 20 to 30 – The average 30-year-old Minneapolis driver will pay $1,596 less each year than a 20-year-old driver, $1,804 versus $3,400.
- Average car insurance cost per month ranges from $128 to $512 – That is the average car insurance cost range for drivers from age 16 to 60 in Minneapolis.
Which vehicles cost the least to insure in Minneapolis?
When comparing rates for all models, the vehicles with the best car insurance quotes in Minneapolis tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Nissan Kicks, Nissan Rogue Sport, and Buick Encore.
Average insurance rates for those vehicles cost $132 or less per month for full coverage car insurance.
A few other models that are highly ranked in our cost comparison are the Kia Seltos, Hyundai Kona, Subaru Ascent, and Acura RDX. Average insurance cost is a little bit more for those models than the crossover SUVs at the top of the list, but they still have an average cost of $1,646 or less per year.
The following table ranks the top 40 cheapest vehicles to insure in Minneapolis, sorted by average cost.
Rank | Make/Model | Annual Cost | Monthly Cost |
---|---|---|---|
1 | Mazda CX-5 | $1,216 | $101 |
2 | Nissan Kicks | $1,250 | $104 |
3 | Chevrolet Trailblazer | $1,256 | $105 |
4 | Honda Passport | $1,286 | $107 |
5 | Subaru Crosstrek | $1,286 | $107 |
6 | Chevrolet Colorado | $1,318 | $110 |
7 | Toyota C-HR | $1,318 | $110 |
8 | Buick Encore | $1,324 | $110 |
9 | Nissan Rogue Sport | $1,336 | $111 |
10 | Buick Envision | $1,362 | $114 |
11 | Hyundai Venue | $1,362 | $114 |
12 | Kia Seltos | $1,366 | $114 |
13 | Ford Maverick | $1,372 | $114 |
14 | Acura RDX | $1,374 | $115 |
15 | Subaru Ascent | $1,374 | $115 |
16 | Toyota Corolla Cross | $1,376 | $115 |
17 | Hyundai Kona | $1,386 | $116 |
18 | Subaru Forester | $1,386 | $116 |
19 | Mazda MX-5 Miata | $1,388 | $116 |
20 | Volkswagen Tiguan | $1,390 | $116 |
21 | Subaru Impreza | $1,392 | $116 |
22 | Chevrolet Spark | $1,396 | $116 |
23 | Honda CR-V | $1,404 | $117 |
24 | Cadillac XT4 | $1,408 | $117 |
25 | Mazda CX-30 | $1,416 | $118 |
26 | Ford Ranger | $1,426 | $119 |
27 | Honda HR-V | $1,440 | $120 |
28 | Ford Edge | $1,442 | $120 |
29 | Ford Ecosport | $1,454 | $121 |
30 | Subaru Outback | $1,468 | $122 |
31 | Chevrolet Trax | $1,470 | $123 |
32 | Acura ILX | $1,474 | $123 |
33 | GMC Terrain | $1,476 | $123 |
34 | Mitsubishi Eclipse Cross | $1,478 | $123 |
35 | Nissan Murano | $1,488 | $124 |
36 | Toyota Tacoma | $1,488 | $124 |
37 | Hyundai Tucson | $1,490 | $124 |
38 | Chevrolet Bolt | $1,492 | $124 |
39 | Honda Odyssey | $1,496 | $125 |
40 | Chevrolet Equinox | $1,498 | $125 |
The above table containing 40 ranked vehicles is fine if you just want the absolute lowest rates. A more thorough way to look at rates in a practical manner is to organize them by their automotive segment.
This next article section illustrates the average cost to insure each different vehicle segment. The average rates shown in the chart should give a better idea of which vehicles have the cheapest rates. The sections following the chart break out the cheapest insurance rates for individual models in each segment.
Minneapolis auto insurance rates by automotive segment
If you’re considering buying a different vehicle, it’s important to have a basic understanding of which categories of vehicles have cheaper car insurance rates in Minneapolis. For instance, some people wonder if midsize cars are cheaper to insure than midsize SUVs or which size of SUV has has cheaper insurance.
The chart below displays the average car insurance cost in Minneapolis for each automotive segment. From an overall average perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the least expensive average auto insurance rates, while exotic models have the most expensive insurance rates.
Average rates for different segments are practical for comparing estimates, but insurance rates for specific models range considerably within each of the segments listed in the chart above.
For example, in the small car segment, average Minneapolis insurance rates range from the Subaru Impreza at $1,392 per year for a full coverage policy up to the Toyota Mirai at $2,070 per year. For another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata at $1,388 per year up to the Nissan GT-R costing $3,318 per year, a difference of $1,930 within that segment.
In these next sections, we eliminate a lot of this variability by looking at car insurance cost in Minneapolis on a model level.
Cheapest cars to insure in Minneapolis
Ranking at the top of the list for the most affordable Minneapolis auto insurance rates in the non-luxury sedan or hatchback segment are the Subaru Legacy, Volkswagen Jetta, Chevrolet Spark, Volkswagen Golf, and Subaru Impreza. Rates for these models average $130 or less per month.
Also ranking well are models like the Honda Insight, Toyota Corolla, Toyota Camry, and Kia K5, with average annual insurance rates of $1,578 per year or less.
On a monthly basis, auto insurance in Minneapolis on this segment for an average middle-age driver will start around $116 per month, depending on the company. The next table ranks the cars with the lowest-cost insurance rates in Minneapolis.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Subaru Impreza | Compact | $1,392 | $116 |
Chevrolet Spark | Compact | $1,396 | $116 |
Volkswagen Golf | Compact | $1,540 | $128 |
Subaru Legacy | Midsize | $1,552 | $129 |
Volkswagen Jetta | Compact | $1,558 | $130 |
Honda Insight | Midsize | $1,560 | $130 |
Nissan Sentra | Compact | $1,562 | $130 |
Toyota Corolla | Compact | $1,574 | $131 |
Kia K5 | Midsize | $1,576 | $131 |
Toyota Camry | Midsize | $1,578 | $132 |
Kia Rio | Compact | $1,580 | $132 |
Volkswagen Passat | Midsize | $1,582 | $132 |
Honda Civic | Compact | $1,586 | $132 |
Mazda 3 | Compact | $1,594 | $133 |
Mazda 6 | Midsize | $1,598 | $133 |
Toyota Prius | Compact | $1,602 | $134 |
Hyundai Accent | Compact | $1,620 | $135 |
Hyundai Veloster | Compact | $1,638 | $137 |
Kia Forte | Compact | $1,640 | $137 |
Chevrolet Malibu | Midsize | $1,666 | $139 |
The most popular cars in Minneapolis don’t necessarily have the most affordable car insurance rates. A few popular non-luxury cars that did not rank in the top 20 include the Toyota Avalon costing an average of $1,682 per year ($140 per month), the Volkswagen Jetta costing an average of $1,558 ($130 per month), and the Chrysler 300 costing $1,718 ($143 per month).
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Minnesota.
Cheapest SUV insurance rates in Minneapolis
The three highest ranking SUVs with the most affordable average insurance rates in Minneapolis are the Mazda CX-5 at $1,216 per year, the Nissan Kicks at $1,250 per year, and the Chevrolet Trailblazer at $1,256 per year.
Other models that rank well include the Toyota C-HR, Buick Envision, Nissan Rogue Sport, and Hyundai Venue, with average rates of $1,362 per year or less.
From a monthly standpoint, full-coverage car insurance in Minneapolis on this segment starts at an average of $101 per month, depending on the company and where you live.
The comparison table below ranks the SUVs with the cheapest car insurance in Minneapolis, starting with the Mazda CX-5 at $101 per month and ending with the Ford Edge at $120 per month.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Mazda CX-5 | Compact | $1,216 | $101 |
Nissan Kicks | Compact | $1,250 | $104 |
Chevrolet Trailblazer | Compact | $1,256 | $105 |
Honda Passport | Midsize | $1,286 | $107 |
Subaru Crosstrek | Compact | $1,286 | $107 |
Toyota C-HR | Compact | $1,318 | $110 |
Buick Encore | Compact | $1,324 | $110 |
Nissan Rogue Sport | Compact | $1,336 | $111 |
Buick Envision | Compact | $1,362 | $114 |
Hyundai Venue | Compact | $1,362 | $114 |
Kia Seltos | Compact | $1,366 | $114 |
Subaru Ascent | Midsize | $1,374 | $115 |
Toyota Corolla Cross | Compact | $1,376 | $115 |
Hyundai Kona | Compact | $1,386 | $116 |
Subaru Forester | Compact | $1,386 | $116 |
Volkswagen Tiguan | Compact | $1,390 | $116 |
Honda CR-V | Compact | $1,404 | $117 |
Mazda CX-30 | Compact | $1,416 | $118 |
Honda HR-V | Compact | $1,440 | $120 |
Ford Edge | Midsize | $1,442 | $120 |
A few popular SUV models that did not make the list include the Ford Escape costing an average of $1,578 per year ($132 per month), the Jeep Wrangler costing $1,832 ($153 per month), the Toyota RAV4 at $1,514 ($126 per month), and the Ford Explorer at an average of $1,504 ($125 per month).
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Is your SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Minnesota.
Cheapest luxury cars to insure in Minneapolis
The top-ranked vehicle in Minneapolis for cheapest insurance in the luxury car segment is the Acura ILX, with an average cost of $1,474 per year. Second place is the Mercedes-Benz A220 costing $1,576 per year, the third cheapest is the BMW 330i, costing an average of $1,694 per year, and coming in fourth is the Acura TLX, at an average of $1,704 per year.
Also ranking in the top 10 are cars like the Alfa Romeo Giulia, BMW 330e, BMW 230i, and Lexus RC 300, with average cost of $1,778 per year or less.
Some additional 2022 luxury models on the list include the Cadillac CT5, Mercedes-Benz AMG CLA45, Genesis G70, and Audi S3, which cost between $1,778 and $1,862 per year to insure.
From a monthly standpoint, auto insurance rates on this segment in Minneapolis for a middle-age safe driver starts at an average of $123 per month, depending on your location.
The cheapest small luxury car to insure in Minneapolis is the Mercedes-Benz A220 at $1,576 per year. For midsize 2022 models, the Acura ILX is cheapest to insure at $1,474 per year. And for large luxury cars, the Audi A5 has the cheapest car insurance rates at $1,880 per year.
The comparison table below ranks the twenty luxury cars with the lowest-cost average insurance rates in Minneapolis.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Acura ILX | Midsize | $1,474 | $123 |
Mercedes-Benz A220 | Compact | $1,576 | $131 |
BMW 330i | Compact | $1,694 | $141 |
Acura TLX | Compact | $1,704 | $142 |
Volvo S60 | Compact | $1,720 | $143 |
BMW 330e | Compact | $1,726 | $144 |
BMW 228i | Compact | $1,736 | $145 |
BMW 230i | Compact | $1,748 | $146 |
Lexus RC 300 | Midsize | $1,774 | $148 |
Alfa Romeo Giulia | Compact | $1,778 | $148 |
Cadillac CT4 | Compact | $1,780 | $148 |
Lexus RC 350 | Compact | $1,784 | $149 |
Genesis G70 | Compact | $1,808 | $151 |
Mercedes-Benz AMG CLA35 | Midsize | $1,820 | $152 |
BMW i4 | Midsize | $1,828 | $152 |
Cadillac CT5 | Midsize | $1,834 | $153 |
Audi A3 | Midsize | $1,854 | $155 |
Audi A4 | Compact | $1,856 | $155 |
Mercedes-Benz AMG CLA45 | Midsize | $1,860 | $155 |
Audi S3 | Compact | $1,862 | $155 |
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Don’t see your luxury car in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Minneapolis car insurance quotes from top-rated auto insurance companies in Minnesota.
Cheapest luxury SUVs to insure in Minneapolis
Ranking in the top five for the cheapest Minneapolis auto insurance rates in the luxury SUV segment are the Volvo XC40, Lexus NX 250, Acura RDX, Cadillac XT5, and Cadillac XT4. Rates for these 2022 models average $1,594 or less per year.
Additional luxury SUVs that have cheaper rates include the Lexus UX 250h, Lexus UX 200, BMW X1, and Lexus NX 350h, with average insurance cost of $1,640 per year or less.
Additional luxury SUVs that rank well include the Lexus NX 450h, Lincoln Corsair, Jaguar E-Pace, and Infiniti QX50, which cost between $1,640 and $1,698 per year for insurance.
Full-coverage insurance in Minneapolis for this segment starts at around $115 per month, depending on where you live. The comparison table below ranks the twenty SUVs with the cheapest car insurance rates in Minneapolis, starting with the Acura RDX at $1,374 per year ($115 per month) and ending with the Lincoln Corsair at $1,698 per year ($142 per month).
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX | Compact | $1,374 | $115 |
Cadillac XT4 | Compact | $1,408 | $117 |
Volvo XC40 | Compact | $1,542 | $129 |
Cadillac XT5 | Midsize | $1,576 | $131 |
Lexus NX 250 | Compact | $1,594 | $133 |
BMW X1 | Compact | $1,598 | $133 |
Lexus NX 350h | Compact | $1,606 | $134 |
Lexus UX 250h | Compact | $1,608 | $134 |
Lexus NX 350 | Compact | $1,634 | $136 |
Lexus UX 200 | Compact | $1,640 | $137 |
Jaguar E-Pace | Midsize | $1,642 | $137 |
Lexus RX 350 | Midsize | $1,648 | $137 |
Acura MDX | Midsize | $1,658 | $138 |
Lincoln Nautilus | Midsize | $1,674 | $140 |
Lexus NX 450h | Compact | $1,680 | $140 |
Mercedes-Benz GLB 250 | Compact | $1,686 | $141 |
Lexus RX 450h | Midsize | $1,688 | $141 |
Infiniti QX50 | Midsize | $1,694 | $141 |
Land Rover Evoque | Compact | $1,694 | $141 |
Lincoln Corsair | Compact | $1,698 | $142 |
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Is your luxury SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Minnesota.
Cheapest pickup trucks to insure in Minneapolis
Ranking highest for the most affordable Minneapolis car insurance rates in the pickup truck segment are the Chevrolet Colorado, Toyota Tacoma, Nissan Frontier, Ford Maverick, and Ford Ranger. Rates for these vehicles average $1,528 or less per year, or around $127 per month.
Also ranking in the top 10 are models like the GMC Canyon, Ford F150, Honda Ridgeline, and Jeep Gladiator, with average cost of $1,576 per year or less.
Auto insurance rates in this segment for a safe driver starts at an average of $110 per month, depending on your location. The comparison table below ranks the twenty pickups with the most affordable average auto insurance rates in Minneapolis.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,318 | $110 |
Ford Maverick | Midsize | $1,372 | $114 |
Ford Ranger | Midsize | $1,426 | $119 |
Toyota Tacoma | Midsize | $1,488 | $124 |
Nissan Frontier | Midsize | $1,528 | $127 |
GMC Canyon | Midsize | $1,540 | $128 |
Hyundai Santa Cruz | Midsize | $1,542 | $129 |
Ford F150 | Full-size | $1,550 | $129 |
Honda Ridgeline | Midsize | $1,562 | $130 |
Jeep Gladiator | Midsize | $1,576 | $131 |
GMC Sierra | Full-size | $1,634 | $136 |
Nissan Titan | Full-size | $1,690 | $141 |
Chevrolet Silverado | Full-size | $1,720 | $143 |
Toyota Tundra | Full-size | $1,724 | $144 |
Ford F350 Super Duty | Heavy Duty | $1,742 | $145 |
Chevrolet Silverado HD 3500 | Heavy Duty | $1,752 | $146 |
Nissan Titan XD | Heavy Duty | $1,800 | $150 |
Ram Truck | Full-size | $1,830 | $153 |
GMC Sierra 2500 HD | Heavy Duty | $1,868 | $156 |
GMC Sierra 3500 | Heavy Duty | $1,884 | $157 |
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see insurance rates for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Minneapolis car insurance quotes from top-rated auto insurance companies in Minnesota.
Cheapest sports car insurance rates in Minneapolis
The top-ranked vehicle in Minneapolis for cheapest average insurance rates in the sports car segment is the Mazda MX-5 Miata, costing $1,388 per year. Second place is the Ford Mustang costing $1,688 per year, and third place goes to the BMW Z4, at an average of $1,724 per year.
Other models that rank well in our comparison include the Subaru BRZ, Toyota GR Supra, BMW M3, and Chevrolet Corvette, with average cost of $2,076 per year or less.
Auto insurance in Minneapolis for this segment for an average middle-age driver starts at an average of $116 per month, depending on your company and location. The comparison table below ranks the twenty sports cars with the lowest-cost car insurance in Minneapolis, starting with the Mazda MX-5 Miata at $1,388 per year ($116 per month) and ending with the Lexus LC 500 at $2,642 per year ($220 per month).
Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,388 | $116 |
Ford Mustang | Sports Car | $1,688 | $141 |
BMW Z4 | Sports Car | $1,724 | $144 |
Subaru WRX | Sports Car | $1,822 | $152 |
Toyota GR86 | Sports Car | $1,868 | $156 |
Toyota GR Supra | Sports Car | $1,912 | $159 |
Audi TT | Sports Car | $1,954 | $163 |
Subaru BRZ | Sports Car | $2,010 | $168 |
Chevrolet Corvette | Sports Car | $2,016 | $168 |
BMW M3 | Sports Car | $2,076 | $173 |
Porsche 718 | Sports Car | $2,168 | $181 |
Chevrolet Camaro | Sports Car | $2,220 | $185 |
Lexus RC F | Sports Car | $2,274 | $190 |
Dodge Challenger | Sports Car | $2,280 | $190 |
Mercedes-Benz AMG GT53 | Sports Car | $2,316 | $193 |
Jaguar F-Type | Sports Car | $2,422 | $202 |
Porsche Taycan | Sports Car | $2,486 | $207 |
Porsche 911 | Sports Car | $2,544 | $212 |
BMW M4 | Sports Car | $2,550 | $213 |
Lexus LC 500 | Sports Car | $2,642 | $220 |
Don’t see your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Minnesota.
How to save on car insurance in Minneapolis
Drivers are often looking to reduce their monthly insurance expenses, so glance through the money-saving tips in this next list and maybe you’ll be able to save some money insuring your vehicle.
- Choose vehicles that have cheaper car insurance. The make and model of vehicle you drive has a big impact on the price you pay for insurance. As an example, a Kia Telluride costs $1,314 less per year to insure in Minneapolis than a BMW i8. Lower performance vehicles cost less to insure.
- Qualify for discounts to save money. Discounts may be available if the policyholders are senior citizens, are loyal customers, are claim-free, insure multiple vehicles on the same policy, or many other discounts which could save the average Minneapolis driver as much as $270 per year.
- Obey the law and pay less. In order to have the cheapest car insurance in Minneapolis, it’s necessary to not be aggressive behind the wheel. In fact, just a few minor infractions on your driving record have the consequences of raising rates by as much as $422 per year. Major misdemeanor violations such as DUI or reckless driving could raise rates by an additional $1,468 or more.
- Careful drivers have lower Minneapolis car insurance rates. Too many at-fault accidents can cost more, possibly as much as $742 per year for a 30-year-old driver and even $486 per year for a 60-year-old driver. So drive safe and save!
- Compare insurance rates before buying a car. Different cars can have significantly different car insurance rates, and insurers can sell policies with widely varying rates. Get quotes before you buy a new car in order to avoid any surprises when you get the bill.
- Car insurance is cheaper with higher deductibles. Jacking up your deductibles from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.