Car Insurance in Woodbury

See how to choose car insurance in Woodbury that fits your budget, commuting needs and family circumstances.
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Why Comparing Auto Insurance Options Is Smart for Woodbury Families

The majority of families in Woodbury, MN, own two vehicles, but about 30% of households have three cars ” often one for each driver in the family. This makes car insurance in Woodbury a must.

It's not surprising why residents enjoy getting out and about; there are countless outdoor destinations nearby, including 3,500 acres of pristine parks, eight lakes and more than 150 miles of trails for hiking and biking.

Great Views and Family Fun

With about 75,000 people, Woodbury is just the right size for an active lifestyle. This predominantly residential city is close to Afton State Park, the Tamarack Nature Preserve, Lake Phalen and Bailey Lake. I-94 and I-494 run through the northwest corner, leaving the southeast section quietly secluded from heavy traffic. In Winter, Afton Alps is only a short drive away for skiing and snowboarding enthusiasts.

At the same time, couples looking for some nightlife are close to the Twin Cities. Downtown St. Paul is less than 10 miles away via I-94. Business professionals who commute to work in Minneapolis or St. Paul only have a 25-minute drive on average.

Car Accidents in an Urban Paradise

Despite its relatively calm surroundings, Woodbury has a surprising number of car accidents. The area has over 2,500 crashes a year, an average of almost 50 each week. There are 900 DWIs annually, and many crashes involve intoxicated drivers.

Car accidents where alcohol is involved are especially dangerous in terms of life-threatening injuries. Intoxicated drivers can cause head-on collisions, side impacts or crashes at intersections. To be prepared, families need car insurance in Woodbury that offers adequate personal injury coverage and collision insurance. That way, they can pay for high-quality medical care in the event of a crash.

Driving Risks on Highways and City Streets

Over 70% of households in Woodbury depend on a car for their daily work commute. Metro transportation options are available, but fewer than 1,000 families out of 28,000 use them. Traveling I-94 or I-494 every day can expose drivers to car accident risks from:

  • Heavy traffic: Higher vehicle density equals more risks of a crash, especially when other drivers follow too closely.
  • Inattentive driving: After a long day at work, drivers may be tired or distracted, and some text and drive at the same time.
  • Bad weather: Woodbury gets 48 inches of snow on average, and icy surfaces can make vehicles slide off the road.

Staying alert is important on roads around Woodbury as well. There were over 100 crashes involving deer and other wildlife between 2018 and 2022.

How Much Car Insurance in Woodbury Costs

VIU by HUB can make it easier for families to customize their auto insurance coverage. By comparing different insurers and insurance categories, including uninsured motorist coverage and storm damage coverage, it's possible to save money and get solid protection.

The average cost of car insurance in Woodbury is about $115 a month for full coverage. This price is accessible compared to other parts of the Twin Cities, which provides more flexibility for investing in a comprehensive insurance policy. Of course, premiums vary depending on a variety of factors, such as age, experience and credit score. Using VIU by HUB can help you put together a package that addresses the unique driving needs of every member of the family.

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


Data USA

Woodbury, MN

MN Department of Public Safety

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