Updated: December 17, 2025
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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 drivers and senior drivers find especially competitive pricing with this provider.
AAA: Third most affordable option for various driver types in St. Paul, making it a solid choice for residents seeking budget-friendly coverage.
Cheapest Monthly Rates by Coverage and Driver Profile in St. Paul:
St. Paul drivers can find huge savings with the right insurance provider. Westfield leads for minimum coverage at just $23 monthly, delivering 41% savings compared to the city average.
State Farm follows as the second most affordable option at $42 per month, still providing 19% savings below average rates. Full coverage options remain competitive, with Westfield maintaining its top position at $98 monthly and Auto-Owners close behind at $99 per month.
Both full coverage providers offer savings of 41% and 29% respectively compared to St. Paul's average rates. Since insurance rates fluctuate based on your specific ZIP code and driving record, compare quotes from multiple insurers to find your best deal.
| 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.
Also consider enrolling them in a defensive driving course, which often unlocks discounts ranging from 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 it helps to 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% |
St. Paul seniors have affordable coverage options. Westfield leads at $109 monthly for full coverage, followed by Auto-Owners at $131 and State Farm at $132. Most insurers offer accident forgiveness programs for drivers 65 and older, providing extra peace of mind.
Completing a defensive driving course can save up to 10% on premiums, with these discounts lasting three years. Westfield provides additional age-specific discounts and credits for defensive driver classes, making it even more attractive for experienced 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% |
Getting a violation doesn't mean you're stuck with sky-high premiums forever, though some St. Paul insurers are more forgiving than others. If you've been hit with a DUI, State Farm offers the most affordable coverage at $47 monthly for minimum limits, with Western National close behind at $49.
For speeding tickets, Westfield leads at $27 per month, while State Farm comes in second at $46. At-fault accidents see Westfield again taking the top spot at $33 monthly, followed by Western National at $49. Since rates vary widely between companies after violations, comparing quotes from multiple insurers is essential.
Keep in mind that speeding tickets affect your rates for three to five years, while serious violations like DUIs can impact your 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 specific ZIP code matters more than just saying you live in St. Paul when it comes to insurance rates. Drivers in 55101 pay monthly premiums around $153 for full coverage, while those in 55111 pay just $112 monthly.
That's a $41 difference between neighborhoods in the same city. Location-based factors like local theft rates, traffic density and accident frequency create these price gaps, making your exact ZIP code an important factor in determining what you'll actually 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 takes the crown in St. Paul with an impressive MoneyGeek score of 93 out of 100. This insurer delivers exceptional customer service while keeping rates reasonable, creating a winning combination that's hard to beat.
Travelers, Westfield, AAA and State Farm round out the top performers in the Twin Cities area. Each of these companies brings solid coverage options and competitive pricing to Minnesota drivers looking for reliable financial protection.
| Auto Owners | 93 | 2 | 1 | 5 |
| Travelers | 89 | 5 | 2 | 4 |
| Westfield Insurance | 86 | 1 | 8 | 6 |
| AAA | 84 | 3 | 4 | 6 |
| State Farm | 83 | 4 | 3 | 6 |
Top-rated customer service with dedicated claims representatives
Road trouble coverage for harsh winter conditions
Specialized expertise in Minnesota insurance laws
Limited specialized coverage for unique vehicles
Fewer St. Paul locations than major competitors
No 24/7 customer service availability
Auto-Owners excels in St. Paul through fast claims handling and strong 24/7 customer support that responds immediately to winter weather accidents.
The company offers competitive rates for young drivers and good value for seniors, while their online claims reporting and dedicated representatives streamline the process during unexpected situations.
Their weather-related coverage and Road Trouble Service provide targeted protection for St. Paul's harsh winter conditions and frequent storms.
30-minute accident assistance for quick help
Comprehensive coverage options for Minnesota drivers
24/7 customer service and online claim reporting
Difficulty reaching representatives for prompt responses
Limited gap insurance and rental coverage options
Fewer local agents than regional competitors
Travelers offers superior customer experience and comprehensive digital tools designed for St. Paul's challenging driving conditions. The company's 24/7 mobile app support and fast claims handling prove valuable during harsh winter months when accidents from slippery roads increase.
Their coverage addresses local risks including heavy traffic and auto theft, while accident forgiveness programs help drivers in busy urban environments. Rates run higher than competitors, but the enhanced service and St. Paul-specific winter weather protection deliver good value for drivers seeking comprehensive coverage.
St. Paul drivers know insurance costs bite into budgets, but smart shopping strategies can unlock meaningful savings.
Combine auto with home or renters insurance for 15% to 25% savings. Stack on multi-car discounts (10% to 25% per vehicle) plus good driver and payment discounts. Total potential savings can reach 30% to 40% when you layer multiple discounts together.
Increasing your deductible from $500 to $1,000 often reduces premiums by 10% to 15% annually. The key consideration: only select a deductible amount you can comfortably pay out of pocket if you need to file a claim.
Insurance companies regularly adjust rates based on St. Paul's changing risk factors and claims data. Your driving record also improves after three years, which often qualifies you for better rates with different insurers.
Our St. Paul insurance experts answer common questions about finding affordable coverage that fits your specific needs.
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’ 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
