How Do Car Insurance Costs Compare Across Minnesota?

Next up is Minnesota as a part of our series of exploring car insurance trends in each state. We were especially curious how car insurance may be affected in a state that gets a heavy degree of inclement weather, especially of the snowier, icier kind. As it turns out though, weather didn't have as great an influence as where drivers live, or how long they commute. Overall, we found the cost of car insurance in Minnesota for a single 30 year old male with a spotless driving history to be $1,489 per year. Our data comes from sampling hundreds of quotes from 109 Minnesota cities for the benchmark 30 year old man.

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The Most Expensive Cities in Minnesota

1. Two Harbors

  • $1,686 per year
  • 13% higher than state average

2. Minneapolis

  • $1,672 per year
  • 12% higher than state average

3. Ely

  • $1,669 per year
  • 12% higher than state average

4. Anoka

  • $1,669 per year
  • 12% higher than state average

5. Saint Paul

  • $1,667 per year
  • 12% higher than state average

It should not come as a surprise that the Twin Cities, Minnesota's largest, are in the top five most expensive. The rest of the cities are all found north of Saint Paul and Minnesota, a trend we discuss more later on.

The Least Expensive Cities in Minnesota

1. Mankato

  • $1,254 per year
  • 13% lower than state average

2. Austin

  • $1,293 per year
  • 13% lower than state average

3. Albert Lea

  • $1,309 per year
  • 12% lower than state average

4. Rochester

  • $1,310 per year
  • 12% lower than state average

5. Alexandria

  • 1,356 per year
  • 9% lower than state average

The five cities, with the exception of Alexandria, reside about 50 to 80 miles south of the Twin Cities, closer to Iowa, making it the cheapest region in the area.


Interesting Trends in Minnesota's Car Insurance Pricing

If Your County is North of the Twin Cities, You Probably Pay More

Counties north of the Twin Cities tend to be more expensive than cities below them. In fact, we found counties north of St. Paul and Minneapolis to be about 20% more expensive than cities south of the city. The most expensive county, Lake, is located all the way in the northern part of the state near Canada. The overall cheapest region in the state is in the southeastern part, near the borders with Wisconsin and Iowa. To the right, you can see how the five most and least expensive counties stack up.

Most Expensive Minnesota Counties

RankCountyYearly Rate
4Mille Lacs$1,616

Least Expensive Minnesota Counties

RankCountyYearly Rate
1Blue Earth$1,254

Is it the Snow?

It's no secret that Minnesota gets a good amount of snow every year. As a result, it may seem that the snowiest parts of the state may have the highest rates. We wanted to explore that, and found there is only a slight correlation between the two. Using weather data for 47 cities we found the snowiest and rainiest of them were only slightly more expensive. The five "least inclement", which get about 20 fewer days of precipitation above 0.01 inches than the five most are only about 6% less expensive. Furthermore, two of the rainiest and snowiest cities, Winona and Caledonia, are located in the least expensive area of Minnesota as we say above.

Cities With Most Days of Rain or Snow

RankCityDaysYearly Rate

Cities With Least Days of Rain or Snow

RankCityDaysYearly Rate

It May Have Something to Do With the Commute

Rather than rain or snowfall, we found a better indicator of price was a city's average travel time for a commuter. Cities with long commutes tended to be priced more than those with shorter ones. Notably, they are the cities with commutes into Saint Paul and/or Minneapolis. A congested, and long commute makes drivers more prone to accidents, and thus more likely to be charged higher rates by their insurers.

Cities With Longest Commute Times

RankCityTimeYearly Rate
1Princeton35 min$1,606
2North Branch35 min$1,599
3Pine City32 min$1,593
4Annandale32 min$1,593
5Milaca30 min$1,626

Cities With Shortest Commute Times

RankCityTimeYearly Rate
1Morris10 min$1,363
2Marshall12 min$1,421
3Willmar13 min$1,426
4Crookston14 min$1,427
5Thief River Falls14 min$1,401

How Cities in Minnesota Rank for Car Insurance Costs

RankCityYearly RatePercent Difference From Average
1Mankato $1,254-16%
2Austin $1,293-13%
3Albert Lea $1,309-12%
4Rochester $1,310-12%
5Alexandria $1,356-9%
7Fergus Falls $1,362-9%
8Morris $1,363-8%
9Perham $1,368-8%
10Glenwood $1,371-8%
11New Ulm $1,371-8%
12Mountain Lake $1,373-8%
13Jackson $1,376-8%
14Fairmont $1,378-7%
15Saint James $1,379-7%
17Sleepy Eye $1,384-7%
18Chokio $1,385-7%
19Elbow Lake $1,386-7%
20Pipestone $1,387-7%
21Luverne $1,387-7%
23Granite Falls $1,395-6%
24Parkers Prairie $1,395-6%
25New York Mills $1,398-6%
26Benson $1,398-6%
27Tracy $1,398-6%
28Slayton $1,398-6%
29Ortonville $1,398-6%
30Fulda $1,401-6%
31Montevideo $1,402-6%
32Thief River Falls $1,402-6%
33Tyler $1,404-6%
34Minneota $1,404-6%
35Frazee $1,412-5%
36Hutchinson $1,412-5%
37Marshall $1,422-5%
38Chaska $1,425-4%
40Crookston $1,427-4%
41Glencoe $1,431-4%
42New Prague $1,449-3%
43Litchfield $1,449-3%
44Victoria $1,449-3%
45Owatonna $1,451-3%
47La Crescent $1,458-2%
49Saint Cloud $1,465-2%
50Hibbing $1,476-1%
51Preston $1,4820%
52Chanhassen $1,4850%
53Virginia $1,4850%
54Duluth $1,4860%
55Cloquet $1,4880%
Minnesota Average$1,4890%
56Caledonia $1,4940%
57Jordan $1,5041%
58Sauk Centre $1,5071%
59Melrose $1,5091%
60Eden Prairie $1,5101%
61Red Wing $1,5111%
62Cannon Falls $1,5132%
65Paynesville $1,5182%
66Faribault $1,5232%
67Long Prairie $1,5242%
68Clarissa $1,5343%
69Cottage Grove $1,5373%
70Staples $1,5413%
72International Falls $1,5464%
73Shakopee $1,5494%
74Stillwater $1,5494%
75Prior Lake $1,5514%
76Grand Rapids $1,5514%
77Park Rapids $1,5534%
78Hastings $1,5544%
79Buffalo $1,5585%
80Savage $1,5595%
81Albany $1,5605%
82Osseo $1,5615%
84Little Falls $1,5746%
85Burnsville $1,5806%
86Howard Lake $1,5806%
87Bemidji $1,5836%
88Cokato $1,5836%
89Brainerd $1,5917%
90Mora $1,5917%
91Pine City $1,5937%
92Annandale $1,5947%
93North Branch $1,5997%
94Blaine $1,6007%
95Bloomington $1,6058%
96Princeton $1,6068%
97Cambridge $1,6158%
98Aitkin $1,6179%
99Milaca $1,6269%
100Moose Lake $1,63410%
101Grand Marais $1,64310%
102Tower $1,64711%
103Coon Rapids $1,64911%
104Forest Lake $1,66011%
105Saint Paul $1,66812%
106Anoka $1,66912%
107Ely $1,67012%
108Minneapolis $1,67212%
109Two Harbors $1,68613%


We collected quotes from a variety of insurance companies across 109 towns and cities in Minnesota. Our sample driver was a 30 year old male who drove a 2011 Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Minnesota. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.

Coverage TypeMinnesota MinimumStudy Limits
Body Liability$30,000 per person/ $60,000 per Accident$50,000 per person/ $100,000 Per Accident
Property Damage$10,000 Per Accident$50,000 Per Accident
Uninsured/Underinsured Motorist BI$25,000 per Person/ $50,000 per Accident$50,000 Per Person/ $100,000 Per Accident
Uninsured/Underinsured Motorist PDNone$50,000 Per Accident
Personal Injury Protection$40,000$10,000
Comprehensive and CollisionNone$500 Deductible

Days of Rain and Snow

This data was compiled from the National Centers of Environmental Information. We found the number of days each town experienced more than 0.01 inches of precipitation (rain or snow).

Average Commute Time

We took a look at an Economic Census from American Community Survey at We looked at the zip codes associated with each town and looked at the mean commute time by car.

Comments and Questions

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