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Average Cost of Car Insurance in St. Paul

St. Paul$1,167
Minnesota$1,199
U.S.$1,424

In Minnesota, drivers are required by law to carry auto insurance all the time. Car insurance cost in St. Paul averages at $1,167 annually, which is lower than the state annual premium average of $1,199. St. Paul averages a cheaper rate than the rest of the country since the national average annual premium is $1,424.

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The Best Cheap Car Insurance Companies in St. Paul

Car insurance companies in St. Paul offer different policies, with price ranges varying widely. The cheapest car insurance company in St. Paul is USAA, with an annual average premium of $781. In contrast, Progressive has the most expensive average yearly premium at $1,608. State Farm, the largest of all car insurance companies in St. Paul, costs an average of $988 per year.

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Personalized Quotes to Get You the Cheapest Car Insurance in St. Paul

Car insurance premiums and coverage will vary a lot depending on factors like age, location, ZIP code and driving violations previously incurred.

The key factors to consider when comparing car insurance are the liability coverage limits, deductible levels and payment schedules. To get the best car insurance in St. Paul, request and compare quotes from different companies. Check your rates frequently as insurance quotes can change from time to time.

Compare Car Insurance Rates in St. Paul

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in St. Paul by Coverage Amount

How much car insurance coverage you purchase in St. Paul also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Minnesota Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
  • Personal Injury Protection
    $40,000 per person.

It is advisable to get more than the state minimum liability coverage for extra protection.

An upgrade from the minimum coverage to 50/100/50 coverage will require a significantly higher premium. For instance, the liability-only, state-minimum coverage with GEICO costs an average of $594. For an upgrade to 50/100/50 full coverage, you will need to pay $953, or an additional $296. If you upgrade to a 100/300/100 full coverage, the cost goes up to an average of $1,043, or $449 more.

If you opt for a 50/100/50, it means that the insurance company will cover up to $50,000 bodily injury liability for one person, up to $100,000 bodily injury liability for all persons involved in an accident and $50,000 property damage liability.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in St. Paul if You Have Tickets

You could get the best car insurance rate in St. Paul if you have a clean driving record. With State Farm, for example, you get $988 as an average rate if you have no violations on file. However, if you have been at-fault in a previous accident, your average annual premium will cost $1,182. Maintaining a clean driving record is a simple way to keep your insurance premium low. Observe traffic rules and avoid driving under the influence to prevent accidents that may blemish your record.

Average Cost of Car Insurance by Postal Code

The average car insurance rates in St. Paul will also vary depending on the ZIP code. Factors like accidents, car theft, and uninsured motorists, among others, all play a part in calculating your insurance quote.

For example, if you live within ZIP code 55106, which is considered a high-risk area, it will cost you much more in insurance than when you’re living in ZIP codes 55124 and 55125, which are considered low-risk areas. The average annual premium in ZIP Code 55106 is $1,450, while the average annual premium in 55124 is $1,021 and in 55125, the annual premium costs $1,030.

  • Zip Code
    State Minimumper year
  • 55124
    $1,021
  • 55125
    $1,030
  • 55106
    $1,450

Factors That Impact Insurance Costs in St. Paul

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in St. Paul. How St. Paul ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities272nd/300
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Most Car Thefts106th/300
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Most Uninsured Motorists by State27th/50
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Personal Injury Protection RequiredYes
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Most Annual Rainfall180th/300
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Most Rainy Days96th/300

Shopping around for car insurance in St. Paul could save you $277, which is enough to buy:


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92Cups of Coffee
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21Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for St. Paul are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in St. Paul

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.