Plymouth Car Insurance

Choosing the right type of Plymouth car insurance can help you stay calm in the event of an accident.
Compare, shop and customize quotes from top-rated insurance carriers.

The Benefits of High-Quality Car Insurance in Plymouth, MN

Plymouth, MN, is an attractive city with a short drive to Downtown Minneapolis. It's easy for families to fall in love with the outdoor backdrops: Plymouth has almost 150 miles of trails, 43 parks. three beaches and eight lakes, including Eagle Lake and Medicine Lake. Choosing dependable car insurance is important for the city's 80,000 residents and 32,000 families.

A Wide Range of Roads and Destinations

Whether you're traveling to work, taking your family on vacation or running errands, Plymouth's roadways can get you where you need to go quickly. Interstate 494, U.S. Highway 169 and State Highway 55 all travel directly through the city. There are also 300 miles of city streets for visiting friends and family in the neighboring suburbs of Maple Grove, Golden Valley and St. Louis Park.

Car Crashes in Plymouth

Where there are roads, traffic accidents are close behind. In 2022, the region had nearly 20,000 car accidents. More than 400 accidents caused serious injuries and some were fatal.

Investing in good Plymouth car insurance is important to keep your family safe and protect yourself. Choosing the right coverage can help with:

  • Car repairs and replacement
  • Single-vehicle and multi-car accidents
  • Costs related to hospital expenses, medical treatment and recovery
  • Insurance settlements with injured drivers or passengers

For a full range of protection, you need to put together a detailed car insurance policy. VIU by HUB makes it easy to compare collision coverage, personal injury protection and other options.

The Importance of Car Insurance Everywhere

You can't predict when crashes will happen, especially at high speeds. Car insurance is like your safety net for the unexpected.

During Your Commute

Virtually no workers in Plymouth rely on public transportation, so your main option for reaching the office is your car. Roughly 75% of local households opt to drive alone to work.

What if you're one of the 20% who work from home instead? Chances are you still need good car insurance. Most families in Plymouth (55%) have two cars, and 20% own three, so you probably use a vehicle every day anyway.

Around the Neighborhood

The length of your commute can vary significantly this close to the Twin Cities. The average commute is 25 minutes, but 15% drive an hour total, and 10% travel 40-60 minutes each way.

Some accidents involve high-speed crashes on local interstates. Others are fender benders closer to home. Both types of car accidents can be dangerous, especially when alcohol is a factor. The region has an abnormally high 4,000 DWIs every year. Intoxicated drivers can seriously hurt you or your family members.

In Winter

Plymouth averages 51 inches of snow. compared to just 28 inches in other parts of the country. December to February are the months with the heaviest snowfall. Temperatures frequently fall below freezing. These driving conditions can cause:

  • Poor visibility
  • Trouble braking
  • Problems with traction
  • Accidents with wildlife

Even if you're experienced driving on icy roads, you don't know if the vehicles behind you are. Drivers who are speeding can run into you at intersections. Collision insurance and personal injury protection are worth their weight in gold in these situations.

The Cost of Plymouth Car Insurance

Plymouth car insurance is affordable. Many drivers pay about $1,150 a year for high-quality insurance, considerably less than the Twin Cities average and the national average. With the money you save, you can invest in better coverage limits for your family. Use VIU by HUB to check available policies from many insurers.

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


U.S. Census Bureau

Kris Lindahl Real Estate

Data USA

MN Department of Public Safety

Best Places

Auto insurance in Minnesota by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.