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Cheap Car Insurance in Minneapolis, Minnesota

Curios to know more about Minneapolis and how you can get cheap car insurance? Well, As the larger of Minnesota’s Twin Cities, Minneapolis is a prosperous urban center that spreads outward from St. Anthony Falls on the Mississippi River. The city is known for its famed Chain of Lakes park system and its hip music scene. With bike lanes on most major streets and a number of dedicated bike trails that follow old rail lines, Minneapolis is also known as a top town for bike commuters.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Minneapolis. Get your free auto insurance quote today!

Driving Conditions

Minneapolis is a densely populated city with a relatively congested road network. Major surface streets like University Avenue, Lyndale Avenue and Hennepin Avenue stay busy throughout the day, and Interstates 94 and 394 regularly back up during the morning and evening rush. Over the past decade, Minneapolis has seen a 167 percent spike in bike traffic at major intersections. The preponderance of cyclists places unique demands on local drivers and requires constant vigilance.

Odd or Unique Laws

Minnesota state law prohibits drivers from making U-turns without at least 1,000 feet of visibility in either direction. This means that U-turns are effectively illegal in Minneapolis’s hillier districts. Also, motorists who are involved in traffic crashes that cause more than $1,000 in property damage must file a formal police report within 10 days of the accident. Snow is a common occurrence in Minneapolis, and the city’s snow emergency system comes with a complex set of parking requirements. During the first day of a three-day snow emergency, street parking is strictly prohibited.

In Minnesota, all men riding motorcycles must wear a shirt. In Minneapolis, red cars are prohibited from driving down Lake Street.

Crime Statistics

In 2012, police recorded 7,050 motor vehicle theft incidents in the Minneapolis-St. Paul metro area. Minneapolis proper saw 470 motor vehicle theft incidents and 4,668 total property crime incidents. The city sees several thousand DUI arrests per year and witnessed just under 10,000 crashes in 2012.

In 2015, according to the FBI, 1,717 vehicles were reported stolen in Minneapolis, and 17,341 property crimes were reported.

Safety Requirements

Seat Belt Law

All drivers and passengers in Minnesota must wear a seat belt or be in child safety seat, according to the state Office of Traffic Safety.

Law enforcement officers will stop and ticket unbelted drivers or passengers. A seat belt ticket is $25 but can cost more than $100 with fees. Law enforcement will stop and ticket unbelted drivers or passengers. A seat belt ticket is $25 but can cost more than $100 with fees. Drivers will be ticketed for unbelted passengers age 14 and under. Unbelted passengers15 and older will be ticketed directly. 

Cellphone Law

All drivers are prohibited from composing, reading or sending electronic messages or accessing the internet on a wireless device when a vehicle is in motion or in traffic, even when the vehicle is stopped. The law does not apply to devices that are permanently affixed to the vehicle, or are global positioning or navigation systems.

It is illegal for drivers under age 18 to use a cellphone, either handheld or hands-free, except to call 911 in an emergency. Drivers 18 and over can use cellphones.

Helmet Law

In Minnesota, all motorcycle operators and riders under age 18 must wear a helmet. Also, all operators, no matter their age, who are driving a motorcycle under a learner’s permit must wear a helmet.

Impaired Driving Law

Minnesota’s legal limit for blood alcohol content (BAC) is 0.08 percent, but motorists can be arrested for DWI at lower levels, according to the state Office of Traffic Safety. The penalties vary for each DWI offender, but a typical penalty for a first-time offender is potential jail time and loss of license for 30 days to one year. Costs can be as high as $20,000 when calculating court costs, legal fees and higher insurance premiums.

SR-22 certificates are required for all DUI offenders.

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Car Insurance Minneapolis, Minnesota Agents

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  • American Family Insurance - Jerry Steidl Agency, Inc.

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    Jerry Steidl

    We've been in bloomington, mn since 1978. We have 5 staff to help with all of your insurance needs. We provide comprehensive solutions for auto, home and life insurance needs to give you the protection you need.


    What makes your specific agency stand out from your competition?

    Customer service is our number one priority. We strive to provide peace of mind and a relationship with a stable, trustworthy company. We look forward to working with you and providing guidance on your insurance needs. Contact me for a quote today!


    • Discount and Special Program offered Insurance Auto Insurance Renter's Insurance Home Insurance Car Insurance Umbrella Insurance Boat Insurance Snowmobile Insurance Business Insurance

    • License Type

      Proerty And Casualty

    • License Number

      673356

    5270 W 84th St Suite 150
    Minneapolis, MN 55437

    Visit Agent Website
  • Jason Emerson - State Farm Insurance Agent

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    Jason Emerson

    Serving bloomington with great rates on car insurance, truck insurance, motorcycle insurance, commercial, auto insurance and more!


    What makes your specific agency stand out from your competition?

    Offering car insurance in bloomington. We offer excellent customer service and greate rates on all lines of auto insurance. Call us, click our site, or stop in our office for a free rate quote. We look forward to serving you!


    • Discount and Special Program offered Multi-line Discount

    • License Type

      Insurance

    • License Number

      MN-20501470

    7700 W Old Shakopee Road Suite 112
    Minneapolis, MN 55438

    Visit Agent Website
  • Jason Emerson Insurance Agency

    EDIT

    Jason Emerson Insurance Agency

    Serving bloomington with great rates on car insurance, truck insurance, motorcycle insurance, commercial auto insurance and more!


    What makes your specific agency stand out from your competition?

    Offering car insurance in bloomington. We offer excellent customer service and great rates on all lines of auto insurance. Call us, click our site, or stop in our office for a free rate quote. We look forward to serving you!


    • Discount and Special Program offered Multi- Line Discount

    • License Type

      Insurance

    • License Number

      MN-20501470

    7700 W Old Shakopee Rd Ste 112
    Minneapolis, MN 55438

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  • Gary Gilbertson - State Farm Insurance Agent

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    Gary Gilbertson

    Gary & staff have 80 years combined experience, gary has proudly been serving you and state farm since 1989. Call or stop by the office today for a fast and accurate insurance quote!


    What makes your specific agency stand out from your competition?

    Rule #1 – if we don’t take care of the customer, somebody else will! We focus on auto insurance, home insurance, renters insurance and life insurance throughout the bloomington, mn area. When the unfortunate incidents occur we pledge to be there to assist you-through the good & the bad


    • Discount and Special Program offered Multi-line Discount Good Driver Discount Safe Driver Discount Good Student Discount

    • License Type

      License

    • License Number

      MN-34944

    8100 Penn Avenue S Suite 101
    Minneapolis, MN 55431

    Visit Agent Website
  • Gary Gilbertson - State Farm Insurance Agent

    EDIT

    Gary Gilbertson

    Proudly serving you and state farm since 1989. Call or stop by the office today for a fast and accurate insurance quote.


    What makes your specific agency stand out from your competition?

    Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.


    • Discount and Special Program offered Good Driver Discount Good Student Discount Multi-policy Discounts Safe Driver Discount

    • License Type

      License

    • License Number

      MN-34944

    8100 Penn Ave S Ste 101
    Minneapolis, MN 55431

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  • State Farm: Casey Charlson

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    Casey Charlson

    Excellent rates on many types of insurance including auto insurance, renters insurance, life insurance, business insurance, & more. Save up to 40% on auto insurance. Discount rates without discount service.


    What makes your specific agency stand out from your competition?

    State farm insurance offers auto insurance, life insurance, fire insurance, home insurance and more. Call, click or visit our state farm office for more information about our many products and services including, auto insurance, home insurance, condo insurance, renters insurance, motorcycle insurance, flood insurance, farm and ranch insurance, personal insurance, life & annuities, health insurance, disability insurance, long-term care, business & commercial insurance, boat insurance and more. Our insurance agency can also help guide you in your financial decisions by offering mutual funds for your personal retirement, education savings, business retirement and a variety of other account types. State farm bank offers the convenience of online banking, credit cards and loans as well. More details are available by clicking on our website. Like a good neighbor, state farm is there.


    • Discount and Special Program offered Save Up To 40% On Auto Insurance.

    • License Type

      Insurance

    • License Number

      MN-20475265

    2626 E 82nd St Ste 390
    Minneapolis, MN 55425

    Visit Agent Website
  • State Farm: Cassandra Spear

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    Cassandra Spear

    Excellent rates on many types of insurance including auto insurance, renters insurance, life insurance, business insurance, & more. Save up to 40% on auto insurance. Discount rates without discount service.


    What makes your specific agency stand out from your competition?

    State farm insurance offers auto insurance, life insurance, fire insurance, home insurance and more. Call, click or visit our state farm office for more information about our many products and services including, auto insurance, home insurance, condo insurance, renters insurance, motorcycle insurance, flood insurance, farm and ranch insurance, personal insurance, life & annuities, health insurance, disability insurance, long-term care, business & commercial insurance, boat insurance and more. Our insurance agency can also help guide you in your financial decisions by offering mutual funds for your personal retirement, education savings, business retirement and a variety of other account types. State farm bank offers the convenience of online banking, credit cards and loans as well. More details are available by clicking on our website. Like a good neighbor, state farm is there.


    • Discount and Special Program offered Save Up To 40% On Auto Insurance.

    • License Type

      Insurance

    • License Number

      MN-40266029

    4205 Lancaster Lane N Ste 106
    Minneapolis, MN 55441

    Visit Agent Website
  • Insurance Specialists Team

    EDIT

    Insurance Specialists Team

    We are an independent insurance agency and represent many insurance carriers. We have specialists in each line of insurance. Auto, home, life commercial, work comp, trucking, bonds. We have commercial and personal lines. We can be a one stop shop.


    What makes your specific agency stand out from your competition?

    Because we represent many companies not just one we can offer a variety of choices and options. Insurance needs can be unique and one company likely isn’t going to be the best in all situations. We have agents who specialize and have experience and deep knowledge in their specialization.


    • Discount and Special Program offered Good Student And Education Level Discounts Advanced Quote Discounts Aaa Discounts Employee Workplace Discounts Alumni Association Discounts Snapshot Discount Defensive Driver Senior Discounts Multi Vehicle Discounts Teachers Discounts Multi Policy Discounts Longevity Discounts

    • License Type

      Insurance

    • License Number

      20475955

    333 Washington Ave N
    Minneapolis, MN 55401

    Visit Agent Website
  • Kimberly Nybo - State Farm Insurance Agent

    EDIT

    Kimberly Nybo

    A proud state farm agent of over 25 years experience. Stop by our office or call today for a fast and accurate insurance quote! We strive to make your life easier!


    What makes your specific agency stand out from your competition?

    The kim nybo state farm team is proud to serve the columbia heights, mn area with insurance and financial services. Contact our office today for an insurance review to see where we can help get great value on car insurance, auto insurance, and more. We would love the opportunity to earn your business.


    • Discount and Special Program offered Multi-line Discounts

    • License Type

      License

    • License Number

      MN-20108240

    4634 Central Ave Ne
    Minneapolis, MN 55421

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  • Minneapolis Insurance Team

    EDIT

    Mike Moore

    We are an independent insurance agency and represent many insurance carriers. We have specialists in each line of insurance. Auto, home, life commercial, work comp, trucking, bonds. We have commercial and personal lines. We can be a one stop shop.


    What makes your specific agency stand out from your competition?

    We have specialists in commercial lines and personal lines. We also have health and life insurance specialists. Because we represent many insurance companies and have specialists in each line it makes us tough to beat on advice, coverage and costs. We have proprietary rating software and exclusive and special relationships with some of our carriers.


    • Discount and Special Program offered Aaa Discounts Alumni Association Discounts Defensive Driver Multi Vehicle Multi Policy Discounts Snapshot Discounts Senior Discounts Alarm Discounts Longevity Discounts Work Place Discounts Education And Good Student Advanced Quote Discounts

    • License Type

      Insurance

    • License Number

      40382841

    333 N Washington Ave
    Minneapolis, MN 55401

    Visit Agent Website
  • Ameriguard Agency

    EDIT

    Kristine Shocinski

    I shop over 15 different a+ insurance companies to find you the best insurance at the lowest rate. I take the time to find out what your situation is so i can customize a plan that will best meet your needs and save you the most money. Call or email me today for a free insurance review and quote.


    What makes your specific agency stand out from your competition?

    I don’t work for any one insurance company. Instead i work for you to find the right company that will best meet your needs at the lowest rate.


    • License Type

      Minnesota

    • License Number

      40170967

    9380 Central Ave Ne, Suite-360
    Minneapolis, MN 55434

    Visit Agent Website
  • Brian Steinert - Ameriguard Agency

    EDIT

    Brian

    Full service independent agency with over 15 a rated companies to make sure you and your family are getting the most competitive rates!


    What makes your specific agency stand out from your competition?

    We have over 15 a rated companies to shop for you and your family or business. Call brian to look at all your options today.


    • Discount and Special Program offered Auto Home Business Workers Compensation

    • License Type

      Property/casualty

    • License Number

      20075857

    9380 Central Ave Ne #360
    Minneapolis, MN 55434

    Visit Agent Website
  • Minneapolis Insurance Specialists Team

    EDIT

    Sidney Richard

    We are a group of licensed professionals using our knowledge and experience to assist you in building a comprehensive insurance package. Insurance needs are individual. Each person has a unique set of needs, risks, and plans for the future.


    333 Washington Ave N #300, Minneapolis, Mn 55401
    Minneapolis, MN 55401

    Visit Agent Website
  • Scott Kulberg Agency

    EDIT

    Scott

    Auto/home/life/comercial/health


    6000 Bass Lake Rd Suite 205 Crystal Mn
    Minneapolis, MN 55429

    Visit Agent Website
  • Aaa Insurance

    5400 Auto Club Way
    Minneapolis, MN 55416

    Visit Agent Website
    Reviews

    The license service (driver’s license, vehicle registration) is open convenient hours: until 7 M-Th, 6 F, and 5 on Saturday. I went after 4 on a Saturday, and the wait was reasonable, about 30 minutes. Great service!

  • John Arens Insurance Agency

    3259 Johnson St Ne
    Minneapolis, MN 55418

    Visit Agent Website
    Reviews

    I recently switched to State Farm, and not only did they save me a ton of money on my premiums, they helped make the switch, easy and painless on me 🙂

    I will be spreading the good word on State Farm and John’s office to all my friends!

    My husband and I have several policies with John’s office. Anytime I call with a question or concern the ladies in the office are ALWAYS quick to help answer all my questions.
    We recently had some issues with a few of our policies and Brenna was quick to help with all my concerns and helped get everything straightened out.
    We have met with John on several occasions and he goes over all our policies and advises on coverage we need and the not so needed coverages.
    I recommend State Farm and John’s office to anyone looking for that personable touch!

  • Ron Vagle

    519 E Hennepin Avenue At Central Avenue Ne
    Minneapolis, MN 55414

    Visit Agent Website
    Reviews

    I was looking for a better auto insurance rate and stopped into this small agency to see what State Farm could do for me. I was welcomed by Nancy as she asked me to explain what I wanted, and what I felt I needed for coverage.nnShe’s very pleasant, and very knowledgeable. She offered me several options of coverage and thoroughly explained the differences. She took the time to explain why the rates were different, and what I was gaining or loosing with each option. No one has ever done that before.nnShe also asked a bit about my life, and when I told her I rented, she asked if I had rental coverage. When I said No, she explained that by adding it to an auto policy – and thereby gaining a multiple policy discount – the discount all but covers the added policy. I got much better coverage for an extra $3 per month. My other agent never told me about that.nnI ended up switching to their agency. Nancy is Great. I can’t brag enough about what a find she was for me. I tell anyone looking for insurance to give her a call or stop in. It’s nice to do business with someone that cares about whats best for you.

    I was looking for a better auto insurance rate and stopped into this small agency to see what State Farm could do for me. I was welcomed by Nancy as she asked me to explain what I wanted, and what I felt I needed for coverage.

    She’s very pleasant, and very knowledgeable. She offered me several options of coverage and thoroughly explained the differences. She took the time to explain why the rates were different, and what I was gaining or loosing with each option. No one has ever done that before.

    She also asked a bit about my life, and when I told her I rented, she asked if I had rental coverage. When I said No, she explained that by adding it to an auto policy – and thereby gaining a multiple policy discount – the discount all but covers the added policy. I got much better coverage for an extra $3 per month. My other agent never told me about that.

    I ended up switching to their agency. Nancy is Great. I can’t brag enough about what a find she was for me. I tell anyone looking for insurance to give her a call or stop in. It’s nice to do business with someone that cares about whats best for you.

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Auto body shops Minneapolis, Minnesota

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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