Insurance Costs in Brooklyn Park, MN
Auto insurance in Brooklyn Park averages $1,597 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Brooklyn Park, MN: What You Need to Know
Brooklyn Park residents pay an average of $1,597 per year for full coverage auto insurance, which is 5.0% above the Minnesota state average and 4.6% below the national average.
With a population of 86,478, Brooklyn Park is a growing city in Minnesota. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,597 | $133 |
| Standard Coverage (50/100/50) | $1,310 | $109 |
| State Minimum (30/60/10) | $671 | $56 |
Homeowners Insurance in Brooklyn Park, MN
The average cost of homeowners insurance in Brooklyn Park is $1,678 per year ($140/month), which is 7.8% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Brooklyn Park, MN
Renters insurance in Brooklyn Park averages $192 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Minnesota Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Minneapolis | $1,795/yr | $2,002/yr |
| St. Paul | $1,704/yr | $1,869/yr |
| Rochester | $1,338/yr | $1,716/yr |
| Duluth | $1,399/yr | $1,564/yr |
| Bloomington | $1,445/yr | $1,812/yr |
| Plymouth | $1,338/yr | $1,945/yr |
| Woodbury | $1,293/yr | $2,002/yr |
| Maple Grove | $1,293/yr | $2,002/yr |
How to Save on Insurance in Brooklyn Park
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Brooklyn Park can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Brooklyn Park, MN?
The average cost of car insurance in Brooklyn Park, MN is $1,597 per year for full coverage, or about $133 per month. Minimum coverage costs around $671 per year.
Is car insurance expensive in Brooklyn Park?
Car insurance in Brooklyn Park is about average for the U.S.
How much is home insurance in Brooklyn Park?
Homeowners insurance in Brooklyn Park costs an average of $1,678 per year. Your actual cost depends on your home's value, age, construction type, and specific location.