Cheapest and Best Car Insurance Companies in St. Paul, MN

Your driver profile and needs affect which company is the cheapest for you. Auto-Owners Insurance Co has the lowest rates for minimum coverage, full coverage and drivers with a ticket. American Family is the cheapest following an at-fault accident, and State Farm after a DUI. Nationwide is the most affordable for teens, while USAA is ideal for military-affiliated drivers. If you want the best combination of affordability and service, we recommend Westfield.

The cheapest car insurance companies for a minimum coverage policy in St. Paul are:

• Auto-Owners Insurance Co: $357 per year
• Westfield: $484 per year

Country Financial is the most expensive minimum coverage provider, with policies costing an average of $911 per year. Westfield offers the cheapest auto insurance in Minnesota at an average annual rate of $320 as of October 2022. This means that a minimum coverage policy from Westfield costs $164 more in St. Paul compared to most other cities in Minnesota.

State law determines liability limits for minimum coverage policies. In Minnesota, minimum liability extends to bodily injury, property damage, uninsured/underinsured motorist coverage and personal injury protection with these limits:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $10,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $40,000 personal injury protection

Your liability coverage is the amount your insurer will pay on your behalf for expenses related to other people's injuries and property damage. With the above limits, your insurer will pay up to $30,000 per injured person and cover no more than $60,000 in total costs, even if more than two people are injured in the accident. You will be responsible for paying expenses that exceed the policy’s limits.

The cheapest car insurance companies for a full coverage policy in St. Paul are:

• Auto-Owners Insurance Co: $999 per year
• Westfield: $1,016 per year

Country Financial is the most expensive company for full coverage, with premiums averaging $1,811 per year. At an average annual rate of $793, Iowa Farm Bureau offers the cheapest full coverage auto insurance in Minnesota as of October 2022.

Location plays a key role in determining insurance rates, and some of the cheapest companies might not be available in all cities. We found that full coverage policies from Auto-Owners Insurance Co and Westfield cost less in other areas of Minnesota, with statewide annual premiums averaging $993 and $866, respectively.

Full coverage insurance dials up your level of protection by increasing your liability limits and adding comprehensive and collision insurance to your policy.

• Collision Insurance: Pays to repair or replace your vehicle after an at-fault collision with another vehicle or an object.
• Comprehensive Insurance: Covers the cost to repair or replace your vehicle if it sustains damage in a non-accident incident like theft, vandalism or a weather-related event.

We recommend purchasing full coverage insurance if you have a newer, more expensive car. However, paying hundreds more per year for full coverage might not be cost-effective if you have an older vehicle that's already lost much of its value.

The cheapest car insurance companies for a full coverage policy after a driving violation in St. Paul are:

• Speeding ticket: Auto-Owners Insurance Co ($1,090 per year)
• At-fault accident: American Family ($1,078 per year)
• DUI: State Farm ($1,195 per year)

Country Financial charges the highest annual premiums after a ticket ($2,393) and an at-fault accident ($2,623), while AAA is the least affordable insurer following a DUI ($5,590). An unfavorable driving record can have a negative impact on your insurance rates. Even the cheapest companies will charge drivers with violations hundreds more than safe drivers for the same policy.

Driving violations can cause your insurance premiums to skyrocket. We found that drivers in St. Paul with a speeding ticket pay around $314 more per year for the cheapest full coverage policy, while those with a DUI pay $1,106 more per year. We encourage you to shop around to find affordable car insurance for drivers with bad records.

The cheapest car insurance companies for teens on a family policy in St. Paul are:

• Nationwide: $2,204 per year for female teens; $2,337 per year for male teens
• Auto-Owners Insurance Co: $2,291 per year for female teens; $2,484 per year for male teens

Travelers and Allstate offer the least affordable full coverage insurance for female and male teens on a family policy at around $2,844 and $3,317 per year, respectively. Male teens are generally viewed as high-risk drivers, so insurers charge them higher rates. But these gender-specific rate differences start to even out in early adulthood.

Adding a teen to a family policy is the most cost-effective way to insure them. For instance, an individual full coverage policy for the average 16-year-old male driver in St. Paul costs $4,682 per year. But if he’s added to a family policy, the rate decreases to $2,530 per year, a savings of $2,152. Make it a habit to comparison-shop to find the cheapest auto insurance for teens.

The cheapest car insurance companies for active military or veteran families in St. Paul are:

• USAA: $936 per year
• Auto-Owners Insurance Co: $999 per year

These above rates are for a full coverage policy. Auto-Owners Insurance Co ($357 per year) and USAA ($423 per year) are the cheapest for minimum coverage policies.

Getting rates from various providers can help you identify the cheapest option, but completing the online requirements can take up to 15 minutes per company. With MoneyGeek’s car insurance calculator, you can get quick estimates by only providing your age, vehicle type, preferred coverage level and driving record.

How much you value affordability, service quality, coverage and other factors will determine which car insurance company is best for you. These are MoneyGeek’s top picks for the best car insurance companies in St. Paul, Minnesota:

• Best overall: Westfield (MoneyGeek score 82 out of 100)
• Best for service: West Bend Mutual (MoneyGeek score 70 out of 100)
• Best cheap: Auto-Owners Insurance Co (MoneyGeek score 84 out of 100)

A company’s MoneyGeek score can differ depending on how we weigh factors for each category. Westfield provides superior customer service and affordable policies, making it the best car insurance in Minnesota as a whole. With a MoneyGeek score of 85 out of 100, USAA is another insurer worth considering if you have a military background.

These are the best car insurance providers in St. Paul that offer a combination of affordability and service quality:

• Westfield: MoneyGeek score 82 out of 100 ($1,016 per year)
• Auto-Owners Insurance Co: MoneyGeek score 82 out of 100 ($999 per year)

Westfield outperformed its competitors by providing superior customer service and the second-cheapest premiums in St. Paul. USAA is also an excellent choice if you’re a military-affiliated driver, receiving a MoneyGeek score of 85 out of 100 and surpassing our top two picks on affordability and customer satisfaction.

The best car insurance companies in St. Paul for customer service when cost is not a factor are:

• West Bend Mutual: MoneyGeek score 70 out of 100 ($1,303 per year)
• Western National: MoneyGeek score 70 out of 100 ($1,541 per year)

Most of West Bend Mutual’s policyholders are highly satisfied with the company’s customer service and how well it manages claims, according to data from J.D. Power’s survey and the National Association of Insurance Commissioners (NAIC) customer complaint index study. But be prepared to pay a higher premium since this insurer ranks eighth in affordability out of 12 providers in St. Paul.

After analyzing rates and service quality for policies that only meet Minnesota’s minimum coverage requirements, we found that the best auto insurance companies in St. Paul are:

• Auto-Owners Insurance Co: MoneyGeek score 84 out of 100 ($357 per year)
• Westfield: MoneyGeek score 74 out of 100 ($484 per year)

A minimum coverage policy is usually the cheapest option available to most drivers. If you're planning to purchase this type of policy, be aware that it provides the least protection against liability costs and won't pay for repairs to your car if it is damaged in an accident.

The average cost of car insurance in St. Paul is $1,211 per year. This cost is $134 more than the average annual cost of car insurance in Minnesota ($1,077) but still $54 cheaper than the national average ($1,265) as of October 2022.

Our study used a sample policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Location impacts insurance rates, but it is only one of several factors that companies consider when calculating premiums.