Auto Insurance Basics

Who Has the Cheapest Auto Insurance Quotes in Minnesota?

Find the Cheapest Insurance Quotes in Your Area

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Costs can vary widely depending on where drivers live within Minnesota and which auto insurance company they choose to insure with. Our team of analysts set out to measure the difference by getting quotes for a typical driver across more than 100 cities and 12 insurers to help drivers in the Gopher State with more information. Our research found the average cost of car insurance to be $1,485 per year for a 30 year old male driver in Minnesota. To get the best car insurance rates in Minnesota, compare quotes from at least three companies. Type your zip code above for the top insurers active in your neighborhood to begin looking for great rates.

Cheapest Auto Insurance in Minnesota

To answer the question of which company had the cheapest car insurance rates, we analyzed quotes in 105 cities across the state for a single 30 year old man. We then averaged the annual premiums for our sample drivers by company, and used that as a benchmark to determine which companies had the lowest rates.

This graph answers the question by ranking the companies in Minnesota with the six lowest rates for insuring our Minnesota drivers' cars.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

Based on our analysis, we found that Farm Bureau Mutual, West Bend Mutual and GEICO had the best rates for auto insurance in Minnesota. Note that the Farm Bureau Mutual requires an annual membership for Minnesota drivers to be eligible for their products, including auto insurance. Membership dues depend on the county drivers live in, and range from $47 in Sherburne to $85 in Goodhue and Wabasha. Most counties set their dues at $65 per year. For more information on dues and membership with the Minnesota Farm Bureau, click here. The following list shows the 12 best car insurers in Minnesota. 

RankAuto Insurance CompanyAverage Annual Rates
1 Farm Bureau Mutual* (requires membership) $854
2 West Bend Mutual $997
3 GEICO $1,011
4 Western National $1,174
5 American Family $1,185
6 State Farm $1,212
7 Allied $1,267
8 Farmers $1,469
9 Allstate $1,568
10 Progressive $1,575
11 Encompass $2,744
12 MetLife $2,811

Your rates can be completely different just based on your own driving circumstances, including the number of tickets or claims, the car you drive, and how much additional or optional types of coverage you choose. 

Cheapest Car Insurance in Minnesota: By City

Saint Paul and Minneapolis were among the most expensive cities in Minnesota, but there is  opportunity to save through comparison shopping. Our researchers looked at auto insurance quotes for our sample driver across 105 cities in Minnesota, and were able to identify the companies with the best rates by city. Below are the three cheapest auto insurance companies by city, along with the average premium for our profiled drivers. 

CityCompanyAnnual Rate
Aitkin Farm Bureau Mutual*$936
West Bend Mutual$1,032
GEICO$1,100
Albany Farm Bureau Mutual*$804
West Bend Mutual$984
GEICO$1,096
Albert Lea Farm Bureau Mutual*$744
West Bend Mutual$888
Allied$996
Alexandria Farm Bureau Mutual*$732
West Bend Mutual$948
GEICO$1,024
Annandale Farm Bureau Mutual*$960
West Bend Mutual$1,068
Western National$1,092
Anoka Farm Bureau Mutual*$1,032
GEICO$1,080
West Bend Mutual$1,092
Austin Farm Bureau Mutual*$768
West Bend Mutual$888
GEICO$994
Bemidji Farm Bureau Mutual*$924
West Bend Mutual$1,044
GEICO$1,151
Benson Farm Bureau Mutual*$864
GEICO$928
West Bend Mutual$948
Blaine GEICO$855
Farm Bureau Mutual*$912
West Bend Mutual$1,032
Bloomington Farm Bureau Mutual*$804
West Bend Mutual$1,056
GEICO$1,097
Brainerd Farm Bureau Mutual*$888
West Bend Mutual$1,032
GEICO$1,151
Buffalo Farm Bureau Mutual*$924
West Bend Mutual$1,080
Western National$1,092
Burnsville Farm Bureau Mutual*$864
West Bend Mutual$1,032
GEICO$1,097
Caledonia Farm Bureau Mutual*$816
West Bend Mutual$948
GEICO$1,007
Cambridge GEICO$955
West Bend Mutual$1,056
Farm Bureau Mutual*$1,080
Cannon Falls Farm Bureau Mutual*$864
GEICO$879
West Bend Mutual$936
Chanhassen Farm Bureau Mutual*$792
GEICO$920
West Bend Mutual$1,008
Chaska Farm Bureau Mutual*$816
GEICO$940
West Bend Mutual$1,008
Chokio Farm Bureau Mutual*$864
GEICO$928
West Bend Mutual$948
Clarissa Farm Bureau Mutual*$816
West Bend Mutual$948
GEICO$1,151
Cloquet Farm Bureau Mutual*$888
West Bend Mutual$1,044
GEICO$1,100
Cokato Farm Bureau Mutual*$900
West Bend Mutual$1,080
Western National$1,092
Coon Rapids Farm Bureau Mutual*$912
West Bend Mutual$1,032
GEICO$1,068
Cottage Grove GEICO$904
Farm Bureau Mutual*$912
West Bend Mutual$1,044
Crookston Farm Bureau Mutual*$780
West Bend Mutual$984
Western National$1,020
Duluth Farm Bureau Mutual*$924
GEICO$956
West Bend Mutual$1,032
Eden Prairie Farm Bureau Mutual*$744
GEICO$920
West Bend Mutual$1,032
Elbow Lake Farm Bureau Mutual*$744
West Bend Mutual$948
Western National$1,020
Ely Farm Bureau Mutual*$900
West Bend Mutual$1,044
GEICO$1,100
Fairmont Farm Bureau Mutual*$732
West Bend Mutual$936
GEICO$965
Faribault Farm Bureau Mutual*$852
West Bend Mutual$936
GEICO$1,007
Fergus Falls Farm Bureau Mutual*$708
West Bend Mutual$948
Western National$1,020
Forest Lake Farm Bureau Mutual*$900
GEICO$1,080
West Bend Mutual$1,092
Frazee Farm Bureau Mutual*$828
West Bend Mutual$960
Western National$1,020
Fulda Farm Bureau Mutual*$840
West Bend Mutual$948
GEICO$965
Glencoe Farm Bureau Mutual*$804
GEICO$928
West Bend Mutual$984
Glenwood Farm Bureau Mutual*$792
West Bend Mutual$948
GEICO$1,024
Grand Marais Farm Bureau Mutual*$924
West Bend Mutual$1,044
GEICO$1,100
Grand Rapids Farm Bureau Mutual*$864
West Bend Mutual$1,044
GEICO$1,100
Granite Falls GEICO$928
Farm Bureau Mutual*$936
West Bend Mutual$948
Hastings Farm Bureau Mutual*$900
GEICO$982
West Bend Mutual$1,032
Hibbing Farm Bureau Mutual*$876
West Bend Mutual$1,068
GEICO$1,122
Howard Lake Farm Bureau Mutual*$864
West Bend Mutual$1,080
Western National$1,092
Hutchinson Farm Bureau Mutual*$756
GEICO$928
West Bend Mutual$984
International Falls Farm Bureau Mutual*$840
Western National$1,020
West Bend Mutual$1,044
Jackson Farm Bureau Mutual*$768
West Bend Mutual$948
GEICO$965
Jordan Farm Bureau Mutual*$912
GEICO$980
West Bend Mutual$1,032
La Crescent Farm Bureau Mutual*$756
West Bend Mutual$948
GEICO$1,007
Litchfield Farm Bureau Mutual*$816
GEICO$928
West Bend Mutual$984
Little Falls Farm Bureau Mutual*$816
West Bend Mutual$984
GEICO$1,151
Long Prairie Farm Bureau Mutual*$768
West Bend Mutual$948
American.Family$1,128
Luverne Farm Bureau Mutual*$816
West Bend Mutual$948
GEICO$965
Mankato Farm Bureau Mutual*$732
West Bend Mutual$876
GEICO$883
Marshall Farm Bureau Mutual*$816
GEICO$928
West Bend Mutual$948
Melrose Farm Bureau Mutual*$756
West Bend Mutual$984
GEICO$1,096
Milaca Farm Bureau Mutual*$996
West Bend Mutual$1,056
GEICO$1,096
Minneapolis Farm Bureau Mutual*$852
GEICO$920
Western National$1,332
Minneota Farm Bureau Mutual*$852
GEICO$928
West Bend Mutual$948
Montevideo Farm Bureau Mutual*$888
GEICO$928
West Bend Mutual$948
Moose Lake Farm Bureau Mutual*$888
West Bend Mutual$1,044
GEICO$1,100
Mora Farm Bureau Mutual*$1,020
West Bend Mutual$1,080
GEICO$1,096
Morris Farm Bureau Mutual*$792
GEICO$928
West Bend Mutual$948
Mountain Lake Farm Bureau Mutual*$792
West Bend Mutual$948
GEICO$965
New Prague Farm Bureau Mutual*$804
West Bend Mutual$936
GEICO$1,007
New Ulm Farm Bureau Mutual*$708
West Bend Mutual$888
GEICO$965
New York Mills Farm Bureau Mutual*$828
West Bend Mutual$948
Western National$1,020
North Branch Farm Bureau Mutual*$1,008
West Bend Mutual$1,092
GEICO$1,096
Ortonville Farm Bureau Mutual*$852
GEICO$928
West Bend Mutual$948
Osseo Farm Bureau Mutual*$888
GEICO$954
West Bend Mutual$1,044
Owatonna Farm Bureau Mutual*$852
West Bend Mutual$936
GEICO$1,007
Park Rapids Farm Bureau Mutual*$936
West Bend Mutual$972
GEICO$1,151
Parkers Prairie Farm Bureau Mutual*$804
West Bend Mutual$948
Western National$1,020
Paynesville Farm Bureau Mutual*$828
West Bend Mutual$984
GEICO$1,096
Perham Farm Bureau Mutual*$768
West Bend Mutual$948
Western National$1,020
Pine City Farm Bureau Mutual*$984
GEICO$1,096
West Bend Mutual$1,104
Pipestone Farm Bureau Mutual*$840
GEICO$928
West Bend Mutual$948
Preston Farm Bureau Mutual*$840
West Bend Mutual$936
GEICO$1,007
Princeton Farm Bureau Mutual*$1,056
West Bend Mutual$1,056
GEICO$1,096
Prior Lake Farm Bureau Mutual*$828
GEICO$940
West Bend Mutual$1,032
Red Wing Farm Bureau Mutual*$852
West Bend Mutual$936
GEICO$1,007
Rochester West Bend Mutual$816
Farm Bureau Mutual*$828
Western National$828
Saint Cloud Farm Bureau Mutual*$840
West Bend Mutual$912
GEICO$952
Saint James Farm Bureau Mutual*$720
West Bend Mutual$936
GEICO$965
Saint Paul Farm Bureau Mutual*$900
GEICO$1,004
Western National$1,320
Sauk Centre Farm Bureau Mutual*$732
West Bend Mutual$984
GEICO$1,096
Savage Farm Bureau Mutual*$864
GEICO$920
West Bend Mutual$1,032
Shakopee Farm Bureau Mutual*$888
GEICO$940
West Bend Mutual$1,032
Slayton Farm Bureau Mutual*$792
West Bend Mutual$948
GEICO$965
Sleepy Eye Farm Bureau Mutual*$744
West Bend Mutual$888
GEICO$965
Staples Farm Bureau Mutual*$864
West Bend Mutual$948
GEICO$1,151
Stillwater Farm Bureau Mutual*$924
GEICO$977
West Bend Mutual$1,020
Thief River Falls Farm Bureau Mutual*$828
Western National$1,020
West Bend Mutual$1,020
Tower Farm Bureau Mutual*$960
Western National$1,020
West Bend Mutual$1,044
Tracy Farm Bureau Mutual*$840
GEICO$928
West Bend Mutual$948
Two Harbors Farm Bureau Mutual*$912
West Bend Mutual$1,044
GEICO$1,100
Tyler GEICO$810
Farm Bureau Mutual*$876
West Bend Mutual$948
Victoria Farm Bureau Mutual*$804
GEICO$940
West Bend Mutual$1,008
Virginia Farm Bureau Mutual*$876
West Bend Mutual$1,068
GEICO$1,122
WaconiaFarm Bureau Mutual*$804
GEICO$940
West Bend Mutual$1,032
WadenaWest Bend Mutual$948
GEICO$1,151
Farm Bureau Mutual*$1,152
Walker Farm Bureau Mutual*$924
West Bend Mutual$1,056
GEICO$1,151
Wayzata Farm Bureau Mutual*$864
GEICO$920
West Bend Mutual$1,032
Willmar Farm Bureau Mutual*$900
GEICO$928
West Bend Mutual$984
Windom Farm Bureau Mutual*$768
West Bend Mutual$948
GEICO$965
Winona Farm Bureau Mutual*$780
West Bend Mutual$888
GEICO$926
Winsted Farm Bureau Mutual*$816
GEICO$928
West Bend Mutual$984
Woodbury Farm Bureau Mutual*$948
GEICO$983
West Bend Mutual$1,020
Worthington Farm Bureau Mutual*$852
West Bend Mutual$948
GEICO$965

*Note: Farm Bureau Mutual requires membership with the Farm Bureau in order to be eligible for their auto insurance services. Dues range from $47 - $85 per year depending which county in Minnesota drivers live in.

Minneapolis, MN

For the best auto insurance rates in Minneapolis, we suggest drivers start with quotes from the Farm Bureau Mutual*, GEICO and Western National. These three companies had the cheapest rates for our drivers' basic liability policies, averaging $1,035. Compared to the city mean of $1,672, rates among the top three were 38% lower. Overall, Minneapolis’s car insurance costs rank it the #2 Most Expensive City in the North Star State. The Metrodome on South 5th Street is the only sports arena to hold a Super Bowl, World Series game, and NCAA Final Four Championship. One of the nation’s first armored cars was ordered from Minneapolis’s Boyd Auto Shops in 1919.

This graph shows which companies in Minneapolis have the best rates for auto insurance based on our sample drivers's data

Saint Paul, MN

Saint Paul ranks with the fifth most expensive auto insurance costs in Minnesota, but individuals' premiums don't have to be so high. We found the cheapest car insurance in St. Paul at the Farm Bureau Mutual*, GEICO and, Western National. gate, These three companies had an overall average of $1,074 per year for our 30 year old driver. That figure is about 36% less than what the typical insurer charges in the city. 285,000 residents call Saint Paul home, including at one point, Charles Schulz, F. Scott Fitzgerald, and Sinclair Lewis, three famous authors spanning different genres.

This graph ranks the five companies in St. Paul with the lowest costs for car insurance

Rochester, MN

Drivers looking for the cheapest auto insurance companies in Rochester should begin their comparison shopping with quotes from West Bend Mutual, Farm Bureau Mutual*, and Western National. With an average cost of $824 each year, these providers had annual premiums that were 37% cheaper compared to the citywide mean. Rochester is situated in Olmsted County and is home to the world-renowned Mayo Clinic. A number of highways intersect in the city, including US 14, 52, and 63 – great for commuters driving in and around Rochester. With 107,000 residents, the city is Minnesota’s third most populous city, but its fifth cheapest in terms of auto insurance.

This graph shows the five car insurers that have the lowest rates in Rochester

Bloomington, MN

The top three cheapest companies in Bloomington to insure a car at are Farm Bureau Mutual*, West Bend Mutual, and GEICO. Rates for our sample drivers averaged about $986 a year, about a 39% decrease compared to the typical Bloomington insurer. That's a sizeable reduction given that average auto insurance costs in Bloomington costs $1,605. With interstate highways 35W and 494, a number of recreational outlets and destinations are within reach of Bloomington's 86,000 residents. The Mall of America, Minnesota Valley, and the Hyland Lake Park Reserve are based here, and Minneapolis are just a short drive away.

This graph shows the five companies in Bloomington with the most affordable auto insurance rates

Mankato, MN

We found the most affordable car insurance rates in Mankato at Farm Bureau Mutual*, Western Bend Mutual and GEICO. Annual rates among these providers was about $830 per year for our sample driver. Mankato has been recognized by a number of outlets for its’ achievements, from being a family-friendly city to having a low cost of conducting business. Mankato is the cheapest city for car insurance in Minnesota in our study.

This graph shows the auto insurers in Mankato that have the five lowest rates.

Austin, MN

Farm Bureau Mutual*, West Bend Mutual, and GEICO were quoted the lowest car insurance rates for our drivers in Austin, averaging $883 for our sample driver. Austin is a city of 25,000 is located in Mower County, MN, and is criss-crossed by Interstate Highway 90 and Cedar River. It’s the birthplace of spam, and the location of a museum dedicated to the Hormel Food Corporation’s famous meat product.

This graph ranks the five cheapest car insurance companies in Austin, and compares them to the citywide average

Albert Lea, MN

The three companies with the most affordable auto insurance quotes in Albert Lea are Farm Bureau Mutual*, Westbend Mutual and Allied. These companies' rates were on average $876 a year, or about 33% less than the city mean. Founded on the left banks of Albert Lea Lake, this city, which bears the same name, expanded to include land bordering five other lakes. Today it measures 14 square miles, and is home to 18,000 residents. Founded on the left banks of Albert Lea Lake, this city, which bears the same name, is the #3 city for the cheapest auto insurance in Minnesota, where drivers can pay on average $1,309 per year. Albert Lea ranks as our #3 City for the Cheapest Auto Insurance in Minnesota, and drivers can pay on average $1,037 per year to provide liability protection for their vehicles.

The companies with the five best rates in Albert Lea for car insurance are shown in this chart, and compared to the city average

Winona, MN

Winona is also one of the cheaper cities for car insurance in the state, with rates being about 10% less than the state average. Still, drivers looking for even lower-costing auto insurance should consider quotes from Farm Bureau Mutual*, West Bend, and GEICO. Together those three companies averaged $864 per year, or about 36% less compared to the typical insurer in Winona. Home to 28,000 people, Winona is a festive place that hosts a number of festivals, including ones celebrating Beethoven, Shakespeare, and the city’s heritage of steamboats.

This chart ranks the five companies in Winona with the most inexpensive annual premiums for car insurance

Forest Lake, MN

The city of about 18,000 is also the 6th most expensive for car insurance in our analysis of Minnesota. On average rates were about 10% more than the state average. Still, drivers can find significantly cheaper rates by going with Farm Bureau Mutual*, GEICO and Westbend Mutual. On average, these insurers' rates were $1,024 a year, which is a 38% decrease from the going rate in Forest Lake overall. Forest Lake is home to one of the first Boy Scout troops in the U.S. as well as one of Minnesota’s largest natural lakes.

This graph lays out the auto insurance companies in Forest Lake with the best rates for our sample drivers

Cambridge, MN

Drivers looking for low-cost car insurance should think about getting quotes from GEICO, West Bend Mutual, Farm Bureau*. These providers quoted our sample drivers the best rates, averaging $1,030, about 36% less than the city average. Cambridge is a city measuring 8 square miles in Isanti County. It’s easy for the city’s 8,000 people to drive or commute around in Cambridge with convenient access to Minnesota State Highways 65 and 95.

Here are the five companies in Cambridge that had the lowest auto insurance rates for our sample driver

North Branch, MN

North Branch is towards the more expensive cities for car insurance in Minnesota, with annual costs of $1,599 – 7% more expensive than the average city in Minnesota. Consumers looking for affordable rates for their car insurance should get quotes from Farm Bureau Mutual*, West Bend Mutual and GEICO. Based on our profiled drivers, this group of three insurers offered the cheapest rates by about 33% compared to the North Branch mean. Via the Interstate 35 and Minnesota State Highway 95, the city’s 10,000 residents have a direct driving route to the Twin Cities, north Duluth, and Lake Superior. Chisago County Parks and Wild River State Park are also just few minutes away for quick weekend road or camping trips.

This chart ranks the five cheapest companies in North Branch based on their auto insurance costs

Average Cost of Car Insurance in Minnesota: by City

We found that the average cost of auto insurance in Minnesota for our benchmark drivers is $1,485 a year to cover their vehicles with basic liability protection. Annual premiums can range by city, however. Below are the 105 cities in Minnesota, which are listed below from the cheapest to the most expensive cities:

This graph ranks 100+ cities in Minnesota by their average cost of car insurance, from the cheapest cities to the most expensive cities

Best Car Insurance Companies in MN

We calculated the complaint ratio for the ten largest insurers to find which were rated as the best car insurance companies for Minnesota drivers. In Minnesota, the best auto insurance companies are Farmers, USAA, and Progressive - they had the lowest ratios. The complaint ratio allows consumers to compare insurers based on how many complaints a company has received by dividing the provider’s complaints with its premiums per million. These three carriers received the lowest amount of complaints per dollar of business they wrote, which we can also infer to mean the inverse: how happy drivers are with their carriers. The smaller the figure, the better the company is doing compared to its competitors.

Auto InsurersPremiumsComplaintsComplaint Ratio
Farmers $250,636,000 7 0.028
USAA 77,017,000 5 0.065
Progressive 409,758,000 34 0.083
State Farm 703,638,000 106 0.151
GEICO 82,491,000 13 0.158
Liberty Mutual 112,373,000 20 0.178
American Family 335,542,000 86 0.256
Auto-Owners 85,182,000 23 0.270
Allstate 161,117,000 46 0.286
Auto Club Insurance Association Group 76,869,000 32 0.416

How We Conducted the Study

We looked at rates in Minnesota for one sample driver in 105 cities in Minnesota: a single 30 year old male. He owns in full and drive a 2010 Toyota Camry back and forth from work, for the most part, about 12,000 miles a year. He also has good credit history, and a great driving record with no accidents or traffic violations in the past five years.

Costs are based on basic liability protection for the 2010 Toyota Camry, and provides about twice the minimum liability required in Minnesota. Minnesota state requires minimum auto insurance liability of $30,000 per person for bodily injury protection up to $60,000 per accident, $10,000 for property damage per accident, $40,000 per person for personal injury protection, and $25,000 per person for uninsured and underinsured motorists up to $50,000 per accident. Included in our study are national insurance companies such as Allstate, State Farm, and GEICO, as well as regional companies like West Bend and Western National Insurance Company.

TypeMN Minimum RequirementsStudy Limits
Bodily Injury Liability $30,000 per person/$60,000 per accident $50,000 per person/$100,000 per accident
Property Damage $10,000 per accident $25,000 per accident
Personal Injury Protection $40,000 per person $40,000 per person
Uninsured / Underinsured Motorist $25,000 per person/ $50,000 per accident $50,000 per person/$100,000 per accident
Collision None $500 Deductible
Comprehensive None $500 Deductible

Below are the average costs by city ranked in alphabetical order for our readers' reference.

CityAverage Annual RatesPercent Difference from Average
Aitkin $1,617 8%
Albany $1,560 5%
Albert Lea $1,309 -13%
Alexandria $1,356 -10%
Annandale $1,594 7%
Anoka $1,669 11%
Austin $1,293 -15%
Bemidji $1,583 6%
Benson $1,398 -6%
Brainerd $1,591 7%
Buffalo $1,558 5%
Burnsville $1,580 6%
Caledonia $1,494 1%
Cambridge $1,615 8%
Cannon Falls $1,513 2%
Chanhassen $1,484 0%
Chaska $1,425 -4%
Chokio $1,385 -7%
Clarissa $1,534 3%
Cloquet $1,488 0%
Cokato $1,583 6%
Cottage Grove $1,537 3%
Crookston $1,427 -4%
Duluth $1,486 0%
Eden Prairie $1,510 2%
Elbow Lake $1,386 -7%
Ely $1,670 11%
Fairmont $1,378 -8%
Faribault $1,523 2%
Fergus Falls $1,362 -9%
Forest Lake $1,660 11%
Frazee $1,412 -5%
Fulda $1,401 -6%
Glencoe $1,431 -4%
Glenwood $1,371 -8%
Grand Marais $1,643 10%
Grand Rapids $1,551 4%
Granite Falls $1,395 -6%
Hastings $1,554 4%
Hibbing $1,476 -1%
Howard Lake $1,580 6%
Hutchinson $1,412 -5%
International Falls $1,546 4%
Jackson $1,376 -8%
Jordan $1,504 1%
La Crescent $1,458 -2%
Litchfield $1,449 -2%
Little Falls $1,574 6%
Long Prairie $1,524 3%
Luverne $1,387 -7%
Mankato $1,254 -18%
Marshall $1,422 -4%
Melrose $1,509 2%
Milaca $1,626 9%
Minneapolis $1,672 11%
Minneota $1,404 -6%
Montevideo $1,402 -6%
Moose Lake $1,634 9%
Mora $1,591 7%
Morris $1,362 -9%
Mountain Lake $1,373 -8%
New Prague $1,449 -2%
New Ulm $1,371 -8%
New York Mills $1,398 -6%
North Branch $1,599 7%
Ortonville $1,398 -6%
Osseo $1,561 5%
Owatonna $1,451 -2%
Park Rapids $1,553 4%
Parkers Prairie $1,395 -6%
Paynesville $1,518 2%
Perham $1,368 -9%
Pine City $1,593 7%
Pipestone $1,387 -7%
Preston $1,482 0%
Princeton $1,606 8%
Prior Lake $1,551 4%
Red Wing $1,511 2%
Rochester $1,310 -13%
Saint Cloud $1,465 -1%
Saint James $1,378 -8%
Saint Paul $1,668 11%
Sauk Centre $1,507 1%
Savage $1,559 5%
Shakopee $1,549 4%
Slayton $1,398 -6%
Sleepy Eye $1,384 -7%
Staples $1,540 4%
Stillwater $1,549 4%
Thief River Falls $1,402 -6%
Tower $1,646 10%
Tracy $1,398 -6%
Two Harbors $1,686 12%
Tyler $1,404 -6%
Victoria $1,449 -2%
Virginia $1,485 0%
Waconia $1,459 -2%
Wadena $1,546 4%
Walker $1,565 5%
Wayzata $1,514 2%
Willmar $1,426 -4%
Windom $1,383 -7%
Winona $1,360 -9%
Winsted $1,454 -2%
Worthington $1,390 -7%

Sources:

Minnesota Minimum Auto Insurance Requirements: https://dps.mn.gov/divisions/dvs/forms-documents/documents/autoinsuranceinfo.pdf
Minnesota Census Data: http://quickfacts.census.gov/qfd/states/27000.html

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