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If you have a vehicle you want to drive in the state of Minnesota, you are required by law to get it insured. In addition to being a legal requirement, insurance can really come in handy if you’re ever in an accident. Even if you’re a good driver, you can’t control what other drivers do, so it’s best to play it safe and get insured. At a very minimum, you must get the following coverage:

$30,000:$60,000:$10,000:

  • $30,000: This is the maximum paid out to anyone in an accident with bodily injuries.
  • $60,000: This is the total amount paid out to all people in a given accident who suffer bodily injuries. That means that if multiple people in an accident are injured, the first people to file would be paid $30,000, as prescribed above. Those who file later then have to pursue the policyholder for any additional amount.
  • $10,000: This is the amount paid out for property damage that occurs during an accident.

Unfortunately, getting auto insurance on a tight budget is an issue for many people. With all your other bills and expenses to worry about, it can be easy to forget to make room for your auto insurance. The average vehicle owner in Minnesota pays $1,485 annually for auto insurance, but there are companies that offer cheaper rates. We’ve created a list of the cheapest insurance companies in each of Minnesota’s five biggest cities:

Minneapolis, MN

Minneapolis, the state’s biggest city, is home to the Minnesota Vikings, the Juicy Lucy burger, and legendary musician Bob Dylan. In fact, Minneapolis is the second biggest economic center in the Midwest, behind only Chicago. The city has a great orchestra and a surprisingly vibrant nightlife.

What Minneapolis isn’t known for, however, is cheap auto insurance. Residents here pay an average of $1,672 per year, the second most expensive location in the state. There are cheaper options, however, if you’re willing to shop around. The following companies have much more affordable options, led by Farm Bureau Mutual at $852:

Saint Paul, MN

  • Farm Bureau Mutual
  • GEICO
  • Western National
  • West Bend Mutual
  • State Farm

The other half of the twin cities, Saint Paul is Minnesota’s second largest city. Like Minneapolis, auto insurance rates in Saint Paul are high compared to the rest of the state. Residents pay an average of $1,668 yearly, ranking as the state’s fifth most expensive city to get vehicles insured. Here are some cheaper alternatives to consider:

Rochester, MN

  • Farm Bureau Mutual
  • GEICO
  • Western National
  • West Bend Mutual
  • State Farm

Minnesota’s third largest city, Rochester is best known for the Mayo Clinic. One of the premiere medical institutions in the world, the Mayo Clinic is a non-profit medical practice and research facility. It employs more than 4,500 doctors and scientists, as well as 57,100 allied health staff.

It’s also one of the cheapest places in the state for auto insurance, with residents paying an average of $1,310 per year. These companies offer the best deals there:

Bloomington, MN

  • West Bend Mutual
  • Farm Bureau Mutual
  • Western National
  • GEICO
  • State Farm

Bloomington is the state’s fourth largest city. Their biggest claim to fame is undoubtedly the Mall of America, the largest mall in the US. Auto insurance rates here are higher than the state average, with residents paying an average of $1,605 per year. Here are some cheaper options:

Duluth, MN

  • Farm Bureau Mutual
  • West Bend Mutual
  • GEICO
  • American Family
  • Western National

Known for its hockey players and frigid winters, Duluth is Minnesota’s fifth largest city. Auto insurance rates here are almost exactly in line with the state average, at $1,486 per year. The following companies offer the best options for cheap auto insurance in Duluth:

  • Farm Bureau Mutual
  • GEICO
  • West Bend Mutual