Updated: April 30, 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 drivers and senior drivers find especially 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 sharply 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 and Auto-Owners comes in 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 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.
A $41 gap 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 leads St. Paul with a MoneyGeek score of 93 out of 100, combining strong customer service with reasonable rates. Travelers, Westfield, AAA and State Farm round out the top five. Each offers 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 |
Highly rated customer service with dedicated claims representatives
Road Trouble Service for harsh winter conditions
Deep familiarity with Minnesota insurance laws
Limited coverage options for unique vehicles
Fewer St. Paul locations than larger competitors
No round-the-clock customer service
Auto-Owners handles claims fast and responds well when winter weather hits. Rates are competitive for young drivers and seniors alike, and online claims reporting with dedicated representatives cuts down on back-and-forth during unexpected situations. Road Trouble Service and weather-related coverage are built for St. Paul winters and the storms that come with them.
30-minute accident assistance
Broad coverage options for Minnesota drivers
Round-the-clock customer service and online claims reporting
Representatives can be hard to reach promptly
Gap insurance and rental coverage options are limited
Fewer local agents than regional competitors
Travelers brings strong digital tools and 24/7 mobile app support to St. Paul drivers, which pays off when winter roads turn dangerous. Claims move quickly, and accident forgiveness programs give urban drivers some cushion after an at-fault incident.
Coverage accounts for local risks like heavy traffic and auto theft. Rates run higher than most competitors, but the service level and winter weather protection justify the cost for drivers who want broad 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’ 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
