What Auto Insurance is Cheapest for Drivers with a DUI in Minneapolis?

One of the more important things that help determine car insurance rates is where you live in Minneapolis. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas that tend to be more rural receive better rates.

The illustration below ranks the most expensive places in Minnesota for drivers with a DUI to purchase a policy in. Minneapolis makes the list at #2 with a yearly premium of $2,058 for coverage, which is about $172 each month.

How much does car insurance cost in Minneapolis, MN?
Rank City Annual Premium
1 Saint Paul $2,070
2 Minneapolis $2,058
3 Maplewood $1,985
4 Brooklyn Park $1,816
5 Richfield $1,814
6 Bloomington $1,792
7 Duluth $1,777
8 Saint Louis Park $1,754
9 Coon Rapids $1,739
10 Blaine $1,731
11 Burnsville $1,726
12 Maple Grove $1,724
13 Plymouth $1,714
14 Eagan $1,712
15 Shakopee $1,710
16 Edina $1,707
17 Saint Cloud $1,702
18 Lakeville $1,700
19 Woodbury $1,697
20 Eden Prairie $1,655
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Rates are approximated as the specific Minneapolis residence address can decrease or increase coverage prices substantially.

The make and model of vehicle driven is one of the largest considerations that determines whether or not you find affordable coverage for drivers with a DUI. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost more to insure than safer models. The information below presents auto insurance premiums for a number of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Minneapolis, MN
Vehicle Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,035
Honda CR-V EX 2WD $2,043
Honda Odyssey LX $2,233
Chevrolet Silverado LS Regular Cab 4WD $2,242
Ford F-150 XL Crew Cab 4WD $2,325
Ford Escape XLT 2WD $2,363
Honda Accord EX 4-Dr Sedan $2,370
Ford Edge SEL 2WD $2,366
Chevrolet Equinox LS AWD $2,412
Dodge Grand Caravan Hero $2,422
Ford Fusion SEL 4-Dr Sedan $2,588
Honda Civic DX 4-Dr Sedan $2,612
Toyota Prius $2,628
Ford Explorer XLT 2WD $2,645
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $2,658
Toyota RAV4 4WD $2,661
Chevrolet Malibu Hybrid $2,667
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Table data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in specific location which can change rates substantially.

Looking at the rates, you can infer that makes and models like the Hyundai Elantra, Honda CR-V, Honda Odyssey, and Chevrolet Silverado are some of the cheaper vehicles to insure after getting a DUI. Rates will tend to be higher because of the fact that there is a higher risk for drivers with a DUI, but overall those models will probably have the lowest prices available.

Buying coverage from the top car insurance provider can be a challenge considering how many companies there are to choose from in Minnesota. The ranking data displayed below can help you pick which car insurance companies you want to consider comparing rates with.

The ratings below are for large insurance companies, so companies that have a smaller presence will not be included in the list. To get price quotes from these top insurers and more, follow this link.

Best Car Insurance Companies for Drivers with a DUI in Minneapolis
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

The diagram below illustrates how your choice of deductibles can increase or decrease insurance prices when researching cheap insurance for drivers with a DUI. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.

As shown above, a 30-year-old driver could lower their policy premium by $388 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $586 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could drop their prices up to $874 or even more just by choosing higher deductibles. When raising deductibles, it will be required to have enough savings to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Careless drivers pay higher rates

The easiest way to get affordable car insurance premiums in Minnesota after getting a DUI is to drive attentively and avoid tickets and accidents. The information below highlights how speeding tickets and at-fault collisions impact auto insurance rates for different insured age categories. The information is based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

In the example above, the average cost of an auto insurance policy in Minnesota per year with a clean driving record and no accidents is $1,426. Get two speeding tickets and the average cost rises to $1,906, an increase of $479 each year. Now get two accidents along with the two speeding tickets and the annual cost of car insurance for drivers with a DUI jumps again to an average of $3,776. That’s an increase of $2,350, or $196 per month, just for not being more responsible behind the wheel!