Car Insurance in Minneapolis

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Staying Safe on the Road in Minneapolis

Minneapolis is a bustling metropolis full of work opportunities and excitement, such as the legendary Mall of America. Families can enjoy trips to the city's parks, the Minnesota Zoo or the Science Museum of Minnesota. This city of 425,000 people has over 180,000 households, and a full 20% of the population is under 18 years old.

Baseball lovers can support the Twins at Target Field and football fanatics can catch a Vikings game at U.S. Bank Stadium. With so many destinations available ” and out-of-town visitors ” having good car insurance in Minneapolis is essential.

Preparing for Car Accidents

Even the best drivers need to prepare for car accident risks. No one can control when another driver will choose to run a red light or text behind the wheel. The Minneapolis metropolitan area had almost 19,000 crashes in 2022.

Even more concerning is the number of crashes that cause life-changing injuries and fatalities. In 2021, there were 168 fatal or severe injury accidents, a huge increase compared to previous years. Speeding was a factor in almost 70% of fatal accidents in Minneapolis, compared to just 30% nationally.

To prepare for this kind of risk, families need to take a long, hard look at their car insurance in Minneapolis. Basic coverage probably doesn't cut it. Investing in collision coverage and personal injury protection can make a difference. Use VIU by HUB to compare available options and check coverage limits.

Commuting to Work, College or Medical Appointments

Minneapolis has several options for public transportation, including light rail, buses and commuter trains. About 10% of families use these methods to commute. Sadly, public transit doesn't have the best reputation for security, which is one reason why the majority of households (over 55%) drive to work.

The city's main roads have considerable traffic, making car insurance a daily necessity. There are numerous high-injury intersections. such as Franklin Ave E and Portland Ave or Washington Ave. N and Broadway St. NE. Many people work in the Twin Cities, with an average commute of about 25 minutes.

Understanding the Risks

When comparing car insurance options for Minneapolis, it's important to know what type of coverage is most valuable. Consider some prominent risks local households face.


Motor vehicle theft is on the rise in many areas of Minneapolis. Between 2019 and 2021, the average was 4,000 cases a year. In 2022, the numbers rose to 5,000 cases and 2023 saw more than 6,800. Each year, there are about 10,000 total cases of theft, including electronics.

When it comes to vehicle theft, vandalism and electronics, good comprehensive coverage helps. This type of policy can cover the cost of repairs or replacement.

Snow and Ice

Minneapolis gets over 50 inches of snow every year, compared to about 28 inches in the rest of the country. With snow seven months of the year and January lows that can reach below zero, icy roads are common. Collision insurance can help in single-vehicle accidents when cars slide off the road.

Comparing Car Insurance in Minneapolis

The average cost of local auto insurance is $1,800 a year for full coverage, around 3% higher than other places in the state. Shopping around with VIU by HUB can potentially save drivers money. Different insurers may offer lower rates for car insurance in Minneapolis, better coverage options or higher compensation amounts.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau

MN Department of Public Safety

City of Minneapolis

Data USA

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