Best Car Insurance Rates in Plymouth, MN for 2025

We compare and rank the top 30 luxury and non-luxury vehicles that tend to have the most affordable car insurance.

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Cheapest cars to insure in Plymouth

From an overall standpoint, the models with the most affordable insurance rates in Plymouth tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Kicks.

Average car insurance prices for vehicles in the top 10 cost $1,798 or less per year ($150 per month) to insure for full coverage in Plymouth.

A few other vehicles that rank towards the top in our auto insurance price comparison are the Subaru Outback, Buick Envista, Volkswagen Tiguan, and Nissan Murano.

Insurance rates are slightly more for those models than the compact SUVs and crossovers that rank at the top, but they still have an average cost of $1,912 or less per year ($159 per month).

The next table breaks down the top 30 models with the cheapest car insurance rates in Plymouth, ordered by annual cost.

Top 30 Cheapest Car Insurance Rates in Plymouth
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,622$135
2Chevrolet Trailblazer$1,652$138
3Kia Soul$1,714$143
4Nissan Kicks$1,728$144
5Honda Passport$1,748$146
6Buick Envision$1,760$147
7Toyota Corolla Cross$1,768$147
8Hyundai Venue$1,784$149
9Mazda CX-5$1,790$149
10Ford Bronco Sport$1,798$150
11Volkswagen Tiguan$1,818$152
12Acura RDX$1,838$153
13Nissan Murano$1,844$154
14Buick Encore$1,864$155
15Subaru Outback$1,870$156
16Honda CR-V$1,872$156
17Buick Envista$1,878$157
18Volkswagen Taos$1,882$157
19Kia Niro$1,890$158
20Toyota GR Corolla$1,908$159
21Honda HR-V$1,912$159
22Subaru Ascent$1,912$159
23Nissan Leaf$1,924$160
24Chevrolet Colorado$1,934$161
25Honda Civic$1,944$162
26Lexus NX 250$1,944$162
27Volkswagen Atlas$1,948$162
28Acura Integra$1,952$163
29Subaru Forester$1,956$163
30Volkswagen Atlas Cross Sport$1,956$163

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 Plymouth, MN Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Plymouth, MN with the Subaru Crosstrek ranking first at $1,622 per year
Top 30 cheapest vehicles to insure in Plymouth, MN with the Subaru Crosstrek ranking first at $1,622 per year

Some additional models worth noting ranked in the top 30 table above include the Acura Integra, Toyota GR Corolla, Subaru Forester, Honda Civic, and Volkswagen Atlas. Car insurance rates for those models cost between $1,912 and $1,956 per year in Plymouth, MN.

To help gauge how cheap these rates are, some models that have much higher car insurance rates include the Tesla Model Y at $203 per month, the Audi S3 at an average of $205, and the Tesla Model X at an average of $230.

For really high auto insurance rates in Plymouth, vehicles like the Audi RS 6, Aston Martin DBX, and BMW 750i have average rates that frequently cost two to three times those of the cheapest cars and SUVs.

How much does car insurance cost in Plymouth?

The average cost of car insurance in Plymouth is $2,196 per year, or approximately $183 per month for a full coverage policy. It costs 1.1% less to insure the average vehicle in Plymouth than the overall national average rate of $2,221.

In the state of Minnesota, the average price for car insurance is $2,228 per year, so the cost in Plymouth averages $32 less per year.

When compared to other locations in Minnesota, the cost to insure a car in Plymouth is approximately $30 per year more than in Duluth, $308 per year less than in St Paul, and $104 per year more than in Rochester.

The age of the rated driver makes a big difference in the price of car insurance. The list below details how age impacts cost by showing average car insurance rates for driver ages from 16 to 60.

Plymouth, Minnesota, car insurance cost for drivers age 16 to 60

  • 16-year-old driver – $7,823 per year or $652 per month
  • 17-year-old driver – $7,578 per year or $632 per month
  • 18-year-old driver – $6,790 per year or $566 per month
  • 19-year-old driver – $6,183 per year or $515 per month
  • 20-year-old driver – $4,422 per year or $369 per month
  • 30-year-old driver – $2,344 per year or $195 per month
  • 40-year-old driver – $2,196 per year or $183 per month
  • 50-year-old driver – $1,946 per year or $162 per month
  • 60-year-old driver – $1,824 per year or $152 per month

The next chart shows average auto insurance cost in Plymouth, Minnesota, for all 2024 models. Rates are averaged for all Plymouth Zip Codes and shown by driver age and comprehensive and collision deductibles.

Average full-coverage car insurance premium in Plymouth, MN for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Plymouth, MN for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Plymouth, MN Zip Codes.

Average Car Insurance Cost in Plymouth, MN
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,740$312
$500$4,422$369
$250$5,142$429
30$1,000$1,966$164
$500$2,344$195
$250$2,738$228
40$1,000$1,846$154
$500$2,196$183
$250$2,558$213
50$1,000$1,644$137
$500$1,946$162
$250$2,260$188
60$1,000$1,542$129
$500$1,824$152
$250$2,116$176

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 Plymouth, MN Zip Codes. Updated June 27, 2025

Average rates in the chart range from $1,542 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $5,142 per year for a 20-year-old driver with $250 deductibles. In this article, the rate used to compare different vehicles or locations is a 40-year-old driver with $500 deductibles, which is an average cost of $2,196 per year.

As a monthly expense, the average cost to insure a car in Plymouth ranges from $129 to $429 for the same driver risk profiles shown in the prior chart.

Auto insurance rates have different premiums for every driver and are impacted by a lot of factors. This large rate variability stresses the need to get multiple car insurance quotes when shopping around for the cheapest rate.

The next section of this article discusses the average cost of auto insurance for each different vehicle segment. The rates shown should provide a decent idea of which automotive segments have the cheapest car insurance rates in Plymouth.

Cheapest car insurance rates by segment

If you’re considering buying a different vehicle, it’s a good idea to have a basic understanding of which categories of vehicles are less expensive to insure.

To illustrate this, you may be curious if midsize cars have more affordable insurance than full-size cars or which size of pickup is more affordable to insure.

The next chart displays average auto insurance cost by vehicle segment in Plymouth. In general, compact SUVs, midsize trucks, and minivans tend to have the least expensive rates, while exotic performance cars have the most expensive overall rates.

Car insurance average cost by automotive segment in Plymouth, MN.
Figure 2: Car insurance average cost by automotive segment in Plymouth, MN. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Plymouth Zip Codes.

Car Insurance Rates by Automotive Segment in Plymouth, MN
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,018$168
Midsize SUV$2,166$181
Compact Car$2,168$181
Minivan$2,172$181
Midsize Pickup$2,216$185
Midsize Car$2,238$187
Compact Luxury SUV$2,382$199
Compact Luxury Car$2,416$201
Large SUV$2,424$202
Half-ton Pickup$2,434$203
Heavy Duty Pickup$2,526$211
Midsize Luxury SUV$2,606$217
Midsize Luxury Car$2,694$225
Sports Car$3,020$252
Large Car$3,160$263
Large Luxury SUV$3,400$283
Large Luxury Car$3,510$293

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 2024 model year vehicles and also for all Plymouth, MN Zip Codes. Updated June 26, 2025

For comparison purposes, it’s a good idea to apply the average rates by segment as a rough guide, as you’ll have better data if you dig down to the model level to find the best insurance rates in a particular segment.

For example, in the sports car segment, car insurance rates in Plymouth range from the Mazda MX-5 Miata at $2,032 per year for full coverage insurance up to the Mercedes-Benz SL 63 at $4,512 per year. In the midsize luxury car segment, rates can range from the Mercedes-Benz CLA250 costing $2,260 per year to the BMW M8 costing $3,700 per year, a difference of $1,440 just for that segment.

The list below details the individual model with the cheapest insurance in Plymouth, MN, for each automotive segment. Annual and monthly insurance rates are shown for each vehicle.

  • Cheapest compact car to insureToyota GR Corolla at $1,908 per year or $159 per month
  • Cheapest compact SUV to insureSubaru Crosstrek at $1,622 per year or $135 per month
  • Cheapest midsize car to insureKia K5 at $2,116 per year or $176 per month
  • Cheapest midsize SUV to insureHonda Passport at $1,748 per year or $146 per month
  • Cheapest full-size car to insureChrysler 300 at $2,090 per year or $174 per month
  • Cheapest full-size SUV to insureChevrolet Tahoe at $2,062 per year or $172 per month
  • Cheapest midsize pickup to insureChevrolet Colorado at $1,934 per year or $161 per month
  • Cheapest full-size pickup to insureNissan Titan at $2,054 per year or $171 per month
  • Cheapest heavy duty pickup to insureGMC Sierra 2500 HD at $2,234 per year or $186 per month
  • Cheapest minivan to insureHonda Odyssey at $2,008 per year or $167 per month
  • Cheapest sports car to insureMazda MX-5 Miata at $2,032 per year or $169 per month
  • Cheapest compact luxury car to insureAcura Integra at $1,952 per year or $163 per month
  • Cheapest compact luxury SUV to insureAcura RDX at $1,838 per year or $153 per month
  • Cheapest midsize luxury car to insureMercedes-Benz CLA250 at $2,260 per year or $188 per month
  • Cheapest midsize luxury SUV to insureJaguar E-Pace at $2,052 per year or $171 per month
  • Cheapest full-size luxury car to insureAudi A5 at $2,608 per year or $217 per month
  • Cheapest full-size luxury SUV to insureInfiniti QX80 at $2,462 per year or $205 per month

The auto insurance rates mentioned above take all 2024 vehicle models and average them, which is suitable when making general comparisons such as the cost for different driver ages or locations.

Average car insurance rates work well when trying to find the answer to questions like “is Plymouth auto insurance cheaper than Minneapolis?” or “is Minnesota auto insurance cheaper than Arizona?”.

For deeper car insurance cost comparisons, however, the data will be better if we do a rate analysis for the specific vehicle being insured. Every make and model has unique characteristics for calculating how much car insurance costs and this data allows for detailed comparisons.

The chart below breaks down average auto insurance rates in Plymouth for some of the most popular cars, trucks, and SUVs.

Average cost to insure popular 2024 model year vehicles in Plymouth.
Figure 3: Average cost to insure popular 2024 model year vehicles in Plymouth. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Plymouth Zip Codes.

Average Car Insurance Quotes in Plymouth, MN
Make/Model Annual Premium Cost Per Month
Honda CR-V$1,872$156
Nissan Rogue$1,974$165
Ford Explorer$1,992$166
Toyota Highlander$1,998$167
Nissan Sentra$2,012$168
Toyota RAV4$2,028$169
Kia K5$2,116$176
Jeep Grand Cherokee$2,196$183
Toyota Tacoma$2,224$185
Hyundai Santa Fe$2,234$186
Toyota Camry$2,360$197
Chevrolet Silverado$2,430$203
Ford F150$2,456$205
Tesla Model 3$2,578$215
Chevrolet Corvette$3,044$254

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 for the 2024 model year and also for all Plymouth, MN Zip Codes. Updated June 27, 2025

When popular vehicles are compared to the earlier rankings table showing the top 30 models with the cheapest average auto insurance quotes, the vast majority cost more to insure.

Expensive rates could be due to things like a more expensive vehicle, like an Audi RS 6 that has an average MSRP of $125,800 or a Tesla Model X which has an average cost of $68,590, or perhaps a higher potential for liability or medical claims like a Mazda 3, GMC Yukon XL, or Chevy Camaro.

Let’s quickly review some of the concepts that were covered up to this point.

  • Insurance for teenagers is not cheap – Average rates range from $5,231 to $7,823 per year for car insurance for teens in Plymouth, MN.
  • Teen females pay lower rates than teenage males – Teenage female drivers pay $952 to $517 less annually than their male counterparts.
  • Plymouth, Minnesota, car insurance costs less than the U.S. average – $2,196 (Plymouth average) versus $2,221 (U.S. average)
  • Auto insurance gets more affordable the older you are – Car insurance rates for a 40-year-old driver in Plymouth are $2,226 per year cheaper than for a 20-year-old driver.
  • Average car insurance cost per month ranges from $152 to $652 – That is the average auto insurance cost range for drivers aged 16 to 60 in Plymouth, Minnesota.
  • Plymouth auto insurance rates are cheaper than the Minnesota state average – $2,196 (Plymouth average) compared to $2,228 (Minnesota average)

Saving money on auto insurance

Resourceful drivers in Plymouth should always be searching for ways to reduce the monthly expense for insurance, so take a minute to read through the savings concepts in this next list and it’s very possible you can save a little cash on your next renewal.

  • Stay claim free. Auto insurance companies offer a discount if you have no claims. Insurance is intended to be used for significant claims, not small claims.
  • Auto insurance is cheaper with higher deductibles. Increasing deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Check your credit score. Insureds with excellent credit scores of 800+ could save as much as $345 per year compared to a lower credit rating of 670-739. Conversely, a weak credit rating could cost up to $400 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • If your car is older, remove unneeded coverages. Dropping physical damage coverage (comprehensive and collision) from older vehicles whose value has decreased will reduce the cost of car insurance substantially.
  • Shop your coverage around. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes can save more money than you might think. Rates change often and you can switch anytime.
  • Compare rates before buying a car. Different models, and even different trim levels of the same model, have significantly different auto insurance rates, and auto insurance companies can sell policies with widely varying rates. Get quotes to compare the cost of insurance before you buy a new car so you can avoid insurance sticker shock when you see your first insurance bill.