2026 Minneapolis Car Insurance Calculator
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Local insurance tip
Minnesota requires personal injury protection that pays your own medical and wage-loss costs after a crash, so review your PIP limit rather than defaulting to the minimum, since serious injuries can quickly outrun it.
Cost Breakdown ·
| Coverage | Monthly | Description |
|---|---|---|
| State minimum | $110 | Legal bare minimum (liability only) |
| Standard liability | $176 | High Liability, no physical damage |
| Full coverage | $235 | Comprehensive ($500 ded.) |
| Premium protection | $320 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $693 |
| 20-24 | High | $388 |
| 25-54 | Standard | $235 |
| 55-69 | Low | $223 |
| 70+ | Moderate | $294 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $235 |
| Speeding Ticket | Moderate | $287 |
| At-Fault Accident | High | $348 |
| DUI / DWI | Very high | $670 |
Minneapolis Snapshot · June 2026
$235/mo
City avg (+8% MN AVG)
#1
State Rank
36%
ZIP Spread
summer outlook
- Peak construction season increases accident density on highways and major commuter routes.
- Extreme heat accelerates tire wear and increases blowout risk. Mechanical breakdowns spike in summer months.
Risk factors
Recommended Coverage
Collision
Long winters bring heavy snow, ice, and freeze-thaw potholes to I-35W and I-394 that damage your own vehicle, and collision is what pays for it.
Uninsured motorist
Minnesota requires uninsured and underinsured motorist coverage, and on roads like I-94 and Hennepin Avenue it's what pays your costs when an at-fault driver can't, so it's worth carrying above the minimum.
Comprehensive
Winter storms, spring hail, and theft from street parking around Uptown and Northeast Minneapolis all cause damage that only comprehensive covers.
Roadside assistance
Extreme cold drains batteries and flattens tires, and breakdowns in deep winter on I-35W or I-494 can leave you stranded far from home.
Rate by Nearby Cities (5)
Location Breakdown
Compared to city avg ($235)
Compared to city avg ($235)
Rate by Common Cars (50)
Compared to standard 10-yo sedan ($235)
What Every Minneapolis Driver Needs To Know
How much PIP coverage should I carry in Minneapolis?
Minnesota requires personal injury protection on every policy, and it pays your own medical bills and lost wages after a crash regardless of fault. The state minimum is a floor, not a target, because a serious injury can exhaust it fast and you'd then be relying on a lawsuit against the at-fault driver to recover the rest. Reviewing whether your PIP limit fits your situation is one of the more meaningful coverage decisions here.
Why does Minnesota require uninsured motorist coverage when many states don't?
The state mandates both uninsured and underinsured motorist coverage so that, in a no-fault system, you're protected when the driver who hits you has no insurance or too little. For a Minneapolis driver it means that even a crash caused by an uninsured motorist routes back to your own policy, which is why it's worth carrying limits above the required minimum.
How hard is winter on cars in Minneapolis from an insurance standpoint?
Hard enough to shape what's worth carrying. Sustained deep cold drains batteries and flattens tires, snow and ice raise crash frequency, and the freeze-thaw cycle opens potholes that bend wheels and damage suspension. Collision and roadside assistance both earn their place through a Minneapolis winter more than they would in a milder climate.
Does Minnesota's no-fault system limit my right to sue after a crash?
It limits it to more serious cases. Your own PIP handles initial medical and wage-loss costs regardless of fault, and you can step outside that system to sue the at-fault driver only once your injuries cross a defined threshold of severity or cost. For most minor crashes the claim stays with your own insurer, which is part of what keeps smaller cases out of court.
Sources: Minnesota DVS · FEMA · NICB