Insurance Costs in Eden Prairie, MN
Auto insurance in Eden Prairie averages $1,247 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 Eden Prairie, MN: What You Need to Know
Eden Prairie residents pay an average of $1,247 per year for full coverage auto insurance, which is 18.0% below the Minnesota state average and 25.5% below the national average.
With a population of 64,198, Eden Prairie is a growing city in Minnesota. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,247 | $104 |
| Standard Coverage (50/100/50) | $1,023 | $85 |
| State Minimum (30/60/10) | $524 | $44 |
Homeowners Insurance in Eden Prairie, MN
The average cost of homeowners insurance in Eden Prairie is $2,060 per year ($172/month), which is 13.2% above 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 Eden Prairie, MN
Renters insurance in Eden Prairie 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 |
| Brooklyn Park | $1,597/yr | $1,678/yr |
| Plymouth | $1,338/yr | $1,945/yr |
| Woodbury | $1,293/yr | $2,002/yr |
How to Save on Insurance in Eden Prairie
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Eden Prairie 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 Eden Prairie, MN?
The average cost of car insurance in Eden Prairie, MN is $1,247 per year for full coverage, or about $104 per month. Minimum coverage costs around $524 per year.
Is car insurance expensive in Eden Prairie?
Car insurance in Eden Prairie is relatively affordable compared to many U.S. cities.
How much is home insurance in Eden Prairie?
Homeowners insurance in Eden Prairie costs an average of $2,060 per year. Your actual cost depends on your home's value, age, construction type, and specific location.