Insurance Costs in Woodbury, MN
Auto insurance in Woodbury averages $1,293 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 Woodbury, MN: What You Need to Know
Woodbury residents pay an average of $1,293 per year for full coverage auto insurance, which is 15.0% below the Minnesota state average and 22.8% below the national average.
With a population of 75,102, Woodbury 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) | $1,293 | $108 |
| Standard Coverage (50/100/50) | $1,060 | $88 |
| State Minimum (30/60/10) | $543 | $45 |
Homeowners Insurance in Woodbury, MN
The average cost of homeowners insurance in Woodbury is $2,002 per year ($167/month), which is 10.0% 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 Woodbury, MN
Renters insurance in Woodbury 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 |
| Maple Grove | $1,293/yr | $2,002/yr |
How to Save on Insurance in Woodbury
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Woodbury 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 Woodbury, MN?
The average cost of car insurance in Woodbury, MN is $1,293 per year for full coverage, or about $108 per month. Minimum coverage costs around $543 per year.
Is car insurance expensive in Woodbury?
Car insurance in Woodbury is relatively affordable compared to many U.S. cities.
How much is home insurance in Woodbury?
Homeowners insurance in Woodbury costs an average of $2,002 per year. Your actual cost depends on your home's value, age, construction type, and specific location.