Compare the Cheapest Car Insurance Quotes in St. Paul, MN

Car insurance in St. Paul costs an average of $1,167 annually, which is cheaper than the Minnesota average. The cheapest widely available insurer is Farmers, at $890 on average annually. MoneyGeek analyzed the cheapest options for several coverage levels and driver profiles. For those looking to strike a balance between cost and quality, MoneyGeek ranked the best insurance companies.

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Insurance Rates

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

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Last Updated: 5/16/2022
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Farmers is the cheapest car insurer in St. Paul, but your lowest price can vary with coverage needs and profile. AAA is cheapest for minimum coverage, while American Family is lowest with a ticket. USAA has cheap rates for the military. MoneyGeek ranked Auto-Owners as the best insurer in St. Paul for its balance of quality service and affordability.

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The Cheapest and Best Car Insurance in St. Paul

The Cheapest Car Insurance Companies in St. Paul

For drivers in St. Paul, the most affordable insurers, on average, for a full coverage policy are:

  • Farmers: $890 per year
  • American Family: $972 per year

If you are in the military or a veteran, USAA is the most affordable option at $781 per year.

Compared to Progressive, the most expensive option at $1,608, Farmers is up to 44% cheaper for a full coverage policy.

A full coverage policy includes comprehensive and collision insurance, which covers damages to your car. However, rates can vary depending on the liability coverage you choose.

Cheapest Car Insurance in St. Paul
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $781
  • 2.
    Farmers
    $890
  • 3.
    American Family
    $972
  • 4.
    State Farm
    $988
  • 5.
    AAA
    $1,023
  • 6.
    GEICO
    $1,043
  • 7.
    Auto-Owners Insurance Co
    $1,063
  • 8.
    Allied
    $1,210
  • 9.
    Allstate
    $1,264
  • 10.
    MetLife
    $1,347
  • 11.
    Country Financial
    $1,428
  • 12.
    Progressive
    $1,608

MoneyGeek collected average rates for a 40-year-old male driver in St. Paul with a full coverage policy, as described in our methodology.

A full coverage policy costs more than a minimum coverage policy because it includes comprehensive and collision insurance plus liability.

  • Collision insurance: covers damages to your car when you hit another vehicle or a stationary object.
  • Comprehensive insurance: covers damages caused by risks such as theft or vandalism.

While a full coverage policy offers the best protection, if the cost of the policy exceeds the value of your car, a minimum coverage policy may be a better option.

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.

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Insurance Rates

Cheapest Car Insurance in St. Paul for Minimum Coverage

The most affordable coverage in St. Paul is a state minimum policy. The cheapest companies for a state minimum policy are:

  • AAA: $540 average per year
  • Farmers: $542 average per year

USAA has the cheapest minimum liability policy for the military at $413 per year.

Progressive is the most expensive insurer at $1,071 yearly, almost double the price of AAA, the cheapest, no-restriction insurer.

While a minimum coverage policy is the least expensive option, it is important to note that it does not include collision or comprehensive insurance, so any damages to your car are not covered. Its liability limits are low, too.

Use the table below to see how prices change for higher liability coverage.

Cheapest Minimum Liability Car Insurance in St. Paul
State Minimum

State minimum coverage only meets the minimum liability requirements required by Minnesota insurance laws, 30/60/10 plus 40 PIP. It saves you money but offers the least protection.

For example, the bodily injury limit in a state minimum policy in Minnesota is $30,000 per person. If you cause an accident and the medical expenses are $45,000, you must pay the difference.

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.

Cheapest Car Insurance in St. Paul if You Have Driving Violations

Violations such as DUIs, at-fault accidents, and tickets increase the cost of car insurance in St. Paul. For drivers in St. Paul with driving violations, the cheapest options, on average, for car insurance are:

  • Cheapest after a ticket: American Family, $1,008 per year
  • Cheapest after an at-fault accident: American Family, $1,008 per year
  • Cheapest after a DUI: American Family, $1,008 per year

For active military and veterans, USAA has a low rate after a speeding ticket, $925 yearly.

To find the best car insurance after a violation, it is important to compare quotes from different insurers. With time, you can improve your record and get a better rate.

Cheapest Car Insurance in St. Paul With a Violation
Speeding Ticket

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.

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.

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Insurance Rates

The Best Car Insurance Companies in St. Paul

The best insurance companies in St. Paul offer a balance of quality service and affordability. Based on these criteria, MoneyGeek found that the best car insurance companies in St. Paul are:

  • Auto-Owners: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

USAA received the highest score on MoneyGeek's rating system and is the best insurer overall for current or former military.

To calculate these scores out of 100, MoneyGeek used a comprehensive rating system that incorporates J.D. Power ratings for user satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:97.5

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Auto Club of Southern California Insurance Group
Score:82.5

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:77.5

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farm Bureau Ins of MI
Score:75

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

14
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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
handcuffs2 icon
Most Car Thefts106th/300
uninsured icon
Most Uninsured Motorists by State27th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall180th/300
umbrella icon
Most Rainy Days96th/300

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.