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.
Compare the Cheapest Car Insurance Quotes in St. Paul, MN
The Cheapest and Best Car Insurance in St. Paul
The Cheapest Car Insurance Companies in St. Paul
The companies with the cheapest average rates for a full coverage policy in St. Paul are:
- USAA: $781 annually (only available to current and former military)
- Farmers: $890 annually
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.
For this study, MoneyGeek collected average insurance rates in St. Paul for a sample 40-year-old male driver with a full coverage policy. This includes both liability and comprehensive and collision insurance.
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Average Cost of Car Insurance in St. Paul
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.
The Best Car Insurance Companies in St. Paul
MoneyGeek ranked the best insurance companies in St. Paul to aid drivers looking to balance cost and quality service. According to MoneyGeek’s research, the best insurance providers in the city for most drivers are:
- Auto-Owners: MoneyGeek score 98 out of 100
- GEICO: MoneyGeek score 93 out of 100
USAA received the highest score in St. Paul by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate these scores out of 100, MoneyGeek utilized several criteria, including J.D. Power ratings for user satisfaction, affordability and financial stability.
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.
Shopping around for car insurance in St. Paul could save you $277, which is enough to buy:
Cheapest Car Insurance in St. Paul by Coverage Amount
In St. Paul and elsewhere, one of the biggest factors impacting your car insurance costs is the coverage level you choose to buy. For example, a state minimum liability policy in St. Paul costs an average of $719. A full coverage policy with higher liability limits costs $1,167 on average. That is a $448 difference.
Minnesota Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in St. Paul if You Have Driving Violations
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
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