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: 7/31/2022
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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.
  • 2.
  • 3.
    American Family
  • 4.
    State Farm
  • 5.
  • 6.
  • 7.
    Auto-Owners Insurance Co
  • 8.
  • 9.
  • 10.
  • 11.
    Country Financial
  • 12.

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.

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
  • 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

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.

Insurance Rates

The Best Car Insurance Companies in St. Paul

MoneyGeek analyzed average rates, claims ratings and user satisfaction scores in order to identify the best auto insurance companies in St. Paul. In St. Paul, the top-rated companies for car insurance are as follows:

  • American Family: MoneyGeek score of 84.6 out of 100
  • Farmers: MoneyGeek score of 82.2 out of 100

Considering that USAA caters exclusively to military members and their families, MoneyGeek excluded it from this analysis. The best car insurance company for military families in St. Paul is USAA, which earned a MoneyGeek score of 97.8 out of 100.

American Family




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

With excellent ratings for stability and user satisfaction, American Family is St. Paul's best auto insurance company. On average, it costs $972 per year for full coverage. Accident forgiveness is available as an add-on with them.

More About American Family

American Family offers a variety of unique insurance coverages. Original Equipment Manufacturer (OEM) Coverage is one of its most unique coverages, protecting against the use of aftermarket parts. There is also accident forgiveness available through American Family. Usually, car insurance costs go up after an accident. Accident forgiveness can help you prevent unexpected rate increases in the future by actively managing your premiums. Moreover, this insurer offers rideshare insurance in St. Paul as an option. For rideshare workers, this is a low-cost optional coverage they can add to their car insurance policy.

Read MoneyGeek's American Family auto Insurance Review




Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take
Geek Quick Take

Our rankings in St. Paul show that Farmers is the second best insurer in the city. It got high ratings for user claims and user satisfaction. The average cost of a full coverage policy is $890 per year, which ranks it first in affordability. There is custom parts coverage offered by Farmers.

More About Farmers

With Farmers in St. Paul, it is possible to include Original Equipment Manufacturers (OEM) coverage for a reasonable price. The warranty covers factory-original parts for covered repairs on cars up to ten years old. As part of the policy, you can also purchase custom parts coverage, which covers aftermarket equipment such as custom wheels and infotainment systems. Farmers also offers Glass Deductible Modification. Using this coverage, the Comprehensive deductible can be reduced to $100 when a loss is limited to glass. Full Windshield and Glass Coverage is also available with no deductible. Adding accident forgiveness is also an option with Farmers. For every three years you drive without an accident, Farmers won't raise your rates.

Read MoneyGeek's Farmers auto Insurance Review

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
  • 55125
  • 55106

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
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Most Rainy Days96th/300

About the Author


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.