Updated: August 4, 2026
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Westfield: Cheapest across diverse driver types in St. Paul. At $23 monthly for minimum coverage and $98 for full coverage, drivers save 9% compared to the city average.
Auto-Owners: Second most affordable at $44 monthly minimum and $99 full coverage. Young and senior drivers get the most competitive pricing with this provider.
AAA: Third most affordable option among St. Paul driver profiles and worth a look for residents keeping costs down.
Cheapest Monthly Rates by Coverage and Driver Profile in St. Paul:
St. Paul drivers can cut costs with the right insurer. Westfield offers the cheapest minimum coverage at $23 per month, 41% below the city average. State Farm is the second most affordable at $42 per month, 19% below average rates.
For full coverage, Westfield again ranks first at $98 per month, followed by Auto-Owners at $99 per month, saving drivers 41% and 29% below St. Paul's average. Rates vary by ZIP code and driving record, so get quotes from at least three insurers before deciding.
| Westfield Insurance | $23 | $98 | -41% |
| State Farm | $42 | $123 | -19% |
| Auto Owners | $45 | $100 | -29% |
| AAA | $50 | $109 | -22% |
| Travelers | $56 | $110 | -19% |
Not in St. Paul? Read more about the cheapest car insurance or the best provider in Minnesota.
Looking for affordable coverage for your teen in St. Paul? Young drivers pay higher premiums due to their lack of driving experience, but we found some solid options. Auto-Owners is the cheapest at $194 per month, followed by Westfield at $195.
Travelers rounds out the top three at $234 per month. Here's a money-saving tip that makes a real difference: keeping your teen on your family policy instead of getting separate coverage can save hundreds each year.
Enrolling teens in a defensive driving course can bring discounts of 5% to 15% with most insurers.
Note: Teen drivers under 18 may have specific legal requirements for coverage levels and parental consent. State laws vary, so review local insurance rules before adding a teen to a policy.
| Auto Owners | $194 | $2,332 | -41% |
| Westfield Insurance | $195 | $2,340 | -41% |
| Travelers | $235 | $2,818 | -29% |
| State Farm | $260 | $3,120 | -22% |
| AAA | $292 | $3,503 | -12% |
Westfield offers the most affordable full coverage for St. Paul seniors at $109 per month. Auto-Owners and State Farm follow at $131 and $132 per month. Most insurers offer accident forgiveness programs for drivers 65 and older.
Complete a defensive driving course to cut premiums by up to 10%, with discounts lasting three years. Westfield also offers age-specific discounts and credits for defensive driving classes, adding more savings for older drivers.
| Westfield Insurance | $109 | $1,311 | -39% |
| Auto Owners | $131 | $1,577 | -27% |
| State Farm | $132 | $1,584 | -27% |
| Travelers | $141 | $1,696 | -21% |
| AAA | $152 | $1,828 | -15% |
A violation doesn't mean sky-high premiums forever, though some St. Paul insurers are more forgiving than others. After a DUI, State Farm offers the most affordable minimum coverage at $47 per month, with Western National close behind at $49.
For speeding tickets, Westfield leads at $27 per month and State Farm follows at $46. After an at-fault accident, Westfield again ranks first at $33 per month, followed by Western National at $49. Rates vary widely after violations, so get quotes from at least three insurers before deciding.
Speeding tickets affect rates for three to five years. DUIs and other serious violations can affect premiums for up to 10 years.
| At-Fault Accident | Westfield Insurance | $33 | -64% |
| At-Fault Accident | Western National Insurance | $49 | -47% |
| DUI | State Farm | $47 | -67% |
| DUI | Western National Insurance | $49 | -65% |
| Speeding Ticket | Westfield Insurance | $27 | -65% |
| Speeding Ticket | State Farm | $47 | -40% |
Your ZIP code affects insurance rates more than your city alone. Drivers in 55101 pay monthly premiums around $153 for full coverage, while those in 55111 pay $112 monthly.
A $41 difference separates the cheapest and most expensive neighborhoods in the same city. Local theft rates, traffic density and accident frequency all drive these price differences, so your ZIP code shapes what you'll pay for coverage.
| 55101 | $153 |
| 55130 | $153 |
| 55103 | $152 |
| 55102 | $144 |
| 55107 | $143 |
| 55114 | $141 |
| 55104 | $141 |
| 55117 | $139 |
| 55108 | $135 |
| 55105 | $133 |
| 55111 | $112 |
| 55131 | $116 |
| 55105 | $133 |
| 55108 | $135 |
| 55117 | $139 |
| 55104 | $141 |
| 55114 | $141 |
| 55107 | $143 |
| 55102 | $144 |
| 55103 | $152 |
Auto-Owners ranks first in St. Paul, with a MoneyGeek score of 93 out of 100. The company pairs strong customer service with reasonable rates. Travelers, Westfield, AAA and State Farm round out the top five, and each has competitive pricing and reliable coverage for Minnesota drivers.
| Auto Owners | 93.29 | 2 | 1 | 5 |
| Travelers | 89.45 | 5 | 2 | 4 |
| Westfield Insurance | 85.83 | 1 | 8 | 6 |
| AAA | 83.67 | 3 | 4 | 6 |
| State Farm | 83.17 | 4 | 3 | 6 |
Customer service ratings are strong, backed by dedicated claims reps
Road Trouble Service designed for harsh winter conditions
Strong grasp of Minnesota insurance laws
Coverage options are limited for unique vehicles
Fewer local offices in St. Paul than bigger competitors
Customer service isn't available around the clock
Winter storms don't slow down Auto-Owners' claims handling, and the company still responds well when the weather turns bad. Young drivers and seniors alike get competitive rates. When something unexpected happens, dedicated representatives and online claims reporting cut down on the back-and-forth. St. Paul winters bring plenty of storms, and Road Trouble Service plus weather-related coverage are designed to take them on.
Accident assistance arrives within 30 minutes
Coverage options are broad for Minnesota drivers
Customer service and online claims reporting are available around the clock
Representatives can be hard to reach promptly
Gap insurance and rental coverage options are limited
Fewer local agents than regional competitors
When winter roads turn dangerous, St. Paul drivers benefit from Travelers' strong digital tools and round-the-clock mobile app support. Urban drivers get some cushion after an at-fault incident thanks to accident forgiveness programs, and claims still move quickly. This coverage takes local risks like heavy traffic and auto theft into account. Travelers costs more than most competitors, but drivers who want broad coverage get their money's worth from the service level and winter coverage.
St. Paul drivers can trim insurance costs with a few targeted moves.
Bundle auto with home or renters insurance to save 15% to 25%. Add multi-car discounts of 10% to 25% per vehicle, plus good driver and payment discounts, and total savings can reach 30% to 40%.
Moving from a $500 to a $1,000 deductible cuts premiums by 10% to 15% annually. Choose a deductible you can cover out of pocket if a claim comes up.
Insurers adjust rates regularly based on St. Paul's risk factors and claims data. After three years, a clean driving record often qualifies you for better rates, so shop around before renewing.
St. Paul drivers frequently ask about finding affordable car insurance. These answers cover the most common questions.
St. Paul car insurance runs about $139 per month for full coverage, making it relatively expensive compared to other Minnesota cities. While St. Paul has the highest rates in the state at $155 monthly, you could pay as little as $37 per month in Mankato, the most affordable city.
Finding affordable car insurance in St. Paul starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Minnesota’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 55101 often pay more than those in 55111.
We partnered with the Minnesota Department of Commerce to analyze hundreds of thousands of quotes from 12 insurers across every St. Paul ZIP code.
Our ratings for the best car insurance in St. Paul are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across St. Paul neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships influence his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
