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Best Cheap Auto Insurance in Minneapolis 55444

Looking for cheap auto insurance in Minneapolis? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

Located on the banks of the Mississippi River, Minneapolis is the larger city of the Twin Cities, which also includes the state capital of St. Paul. Minneapolis is known for its hip neighborhoods and inventive architecture.

The Minneapolis area was first inhabited by the Dakota Sioux tribes before French explorers came to the area during the late 1600s. The area became U.S. territory in 1803 thanks to the Louisiana Purchase.

After the purchase, Fort Snelling was built in 1819 by the U.S. Army. This helped bring commerce into the area. During this time, the lumber and flour milling industry started to grow.

Minneapolis was incorporated in 1867. Minneapolis roughly translates to “city of waters.”

Urban renewal of the 1950s and 1960s helped to revitalize the city. The city also increased in population thanks to its private streetcar system.

Minneapolis attractions include: Minneapolis Institute of Art, Chain of Lakes, Walker Art Center, Stone Arch Bridge, Mall of America, Midtown Global Market and Historic Fort Snelling.

Minneapolis is one of 13 U.S. cities to have a professional sports team from all four major sports organizations. These include the Vikings (NFL), Twins (MLB), Timberwolves (NBA) and Wild (NHL). The last championship in Minneapolis was the Twins World Series title in 1991. In addition, Minneapolis is home to the Chain of Lakes park system.

Insurance Discounts in Minneapolis

In Minnesota, taking an accident prevention course can earn you auto insurance discounts.

Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Minneapolis Driving Conditions

Minneapolis is classified as a humid continental climate. The annual high temperature is 55.1 degrees and the annual low temperature is 37.2 degrees. Summers are warm, while winters are bitter cold and snowy. Minneapolis experiences both heavy snowstorms and heavy thunderstorms.

Minneapolis is a bike friendly city. Over the past decade, Minneapolis has seen a 167 spike in bike traffic at major intersections. When driving in Minneapolis, be sure to keep your eye out for bikers.

Crime Statistics

According to the 2015 Crime in the United States report, Minnesota had 121,984 accounts of property crime and 7,981 accounts of vehicle theft.

Minnesota Driver’s License

As a legal resident of Minnesota, you’ll need to obtain a Minnesota driver’s license. Those with a valid out-of-state license will be required to pay an application fee, take a written test and pass a vision screening.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of Minnesota residency and proof of your Social Security number.

Seat Belt Laws

Minnesota law states that all drivers and passengers must be buckled up in the correct seat belt or child restraint seat. Those that violate the law will be charged a fine of $25, however, it can cost more than $100 with fees.

All children under 8 must ride in a federally approved car seat or booster seat, unless the child is 4’9” or taller.

Cell Phone & Texting Laws

Minnesota law prohibits texting while driving. It is illegal for drivers under 18 to use a cell phone while driving.

However, there is no hand-held ban in Minnesota.

Odd Law

Minnesota law prohibits drivers from making U-turns within at least 1,000 feet of visibility in either direction.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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