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Cheapest Minneapolis car insurance prices

Drivers in the Twin Cities have one thing in common: they pay too much for car insurance!

A recent national study found that drivers overpay almost $900 a year on average because they don't take the time to compare rates on a regular basis.

Shopping around for cheaper Minneapolis auto insurance is easy but most drivers underestimate the amount of money they can save by switching to the cheapest car insurance company. Prices change frequently based on each insurance company's earnings or losses, so the company that may have been cheapest last year may have raised their rates and are now actually one of the more expensive carriers.

Auto insurance rates in Minneapolis are calculated based upon many different factors, and one of the primary components is the make and model of vehicle. The rate information below details price estimates for some of the best selling vehicles in Minneapolis.

Car Insurance Rates for Popular Cars in Minneapolis
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $1,366 $683 $114
Ford Fusion Sport AWD 4-Dr Sedan $1,476 $738 $123
Honda Civic LX-S 4-Dr Sedan $1,294 $647 $108
Kia Optima SX $1,440 $720 $120
Nissan Altima 2.5 S 2-Dr Coupe $1,440 $720 $120
Toyota Camry Hybrid $1,440 $720 $120
Toyota Corolla XLE $1,330 $665 $111
Volkswagen Jetta S 4-Dr Sedan $1,258 $629 $105
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can revise coverage rates greatly.

Insurance Rates for Popular Pickup Trucks in Minneapolis
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $1,222 $611 $102
Chevrolet Silverado 3500HD LT Crew Cab 4WD $1,618 $809 $135
Chevrolet Silverado LT Crew Cab 4WD $1,366 $683 $114
Dodge Ram 2500 Crew Cab ST 2WD $1,514 $757 $126
Dodge Ram Crew Cab TRX 2WD $1,368 $684 $114
Ford F-150 Lariat Super Cab 4WD $1,294 $647 $108
Ford F-350 XLT Crew Cab 2WD $1,438 $719 $120
GMC Sierra SLT Extended Cab 2WD $1,366 $683 $114
Toyota Tacoma Double Cab 4WD $1,258 $629 $105
Toyota Tundra Regular Cab 4WD $1,368 $684 $114
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in specific location which can decrease or increase premium rates noticeably.

Car Insurance Rates for Popular SUVs and Crossovers in Minneapolis
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Luxury Edition 4WD $1,690 $845 $141
Chevrolet Traverse LTZ 2WD $1,210 $605 $101
Ford Escape XLS 2WD $1,064 $532 $89
Ford Expedition SSV 4WD $1,210 $605 $101
Ford Explorer Eddie Bauer 2WD $1,184 $592 $99
GMC Acadia SLE AWD $1,258 $629 $105
Honda CR-V EX-L 2WD $1,100 $550 $92
Honda Pilot Touring 4WD $1,294 $647 $108
Jeep Grand Cherokee SRT-8 4WD $1,366 $683 $114
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,148 $574 $96
Subaru Forester X AWD $1,210 $605 $101
Toyota 4Runner Sport 4WD $1,210 $605 $101
Toyota Highlander Hybrid Limited 4WD $1,402 $701 $117
Toyota RAV4 2WD $1,258 $629 $105
Volvo XC90 V8 AWD $1,476 $738 $123
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can change premiums greatly.

How to find cheaper Minneapolis car insurance rates

If you want to find the absolute lowest rates, then the best way to get affordable car insurance rates is to compare quotes once a year from companies in Minneapolis. You can shop around by following these guidelines.

  1. Gain an understanding of policy coverages and the things you can change to keep rates in check. Many things that are responsible for high rates like high-risk driving behaviors and a bad credit score can be eliminated by making lifestyle changes or driving safer.
  2. Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO, State Farm, or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies.
  3. Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good piece of advice is to compare similar limits and deductibles on each quote and and to compare as many carriers as you can. This guarantees a level playing field and a complete price analysis.