Cheapest Car Insurance Quotes in North St. Paul

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North St. Paul Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in North St. Paul

The car insurance rate in North St. Paul is $1076 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $589, making it a popular choice for budget-conscious drivers. Rates in North St. Paul can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in North St. Paul

$1076

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in North St. Paul

1st place: Iowa Farm Bureau

At $589 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $596 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $596 for six months, making it the third cheapest auto insurance company in North St. Paul.

North St. Paul Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North St. Paul, MN is Iowa Farm Bureau, offering policies at just $589 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $596.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1937 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North St. Paul drivers find the best deals.

Cheap Car Insurance Companies in North St. Paul, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$589	$100
Auto-Owners Insurance Co	$596	$99
Westfield	$596	$101
American Family	$622	$105
West Bend Mutual	$772	$130
Travelers	$826	$139
Nationwide	$914	$155
USAA	$955	$161
AAA	$988	$166
Auto-Owners	$1057	$178
West Bend	$1138	$194
State Farm	$1191	$201
Western National	$1537	$261
Allstate	$1612	$271
North Star Mutual	$1889	$321
Farmers	$1937	$323

Key Takeaways

Way's key takeaways about car insurance in North St. Paul

The auto insurance costs in North St. Paul fall around $589 for six months.
The cheapest auto insurance company in North St. Paul is Westfield.
Teen drivers pay the highest rate in North St. Paul at $1164 per month.

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Cheapest Minimum Liability Car Insurance in North St. Paul

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in North St. Paul are given below.

Westfield provides the cheapest minimum car insurance coverage in North St. Paul. Their Average 6 Month Premium is $163. Farmers is the most expensive at $785 for the same period.

Cheapest Liability Coverage in North St. Paul, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$27
West Bend Mutual	$230	$39
North Star Mutual Insurance	$251	$42
USAA	$271	$46
Auto-Owners Insurance Co	$284	$48
Iowa Farm Bureau	$284	$48
West Bend	$284	$48
Farmers Union Insurance	$291	$49
Auto-Owners	$298	$50
North Star Mutual	$298	$50
AAA	$332	$56
American Family	$332	$56
Travelers	$332	$56
State Farm	$359	$60
Western National	$380	$64
Allstate	$555	$93
Farmers	$785	$133

Cheapest Full Coverage Car Insurance in North St. Paul

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in North St. Paul is Iowa Farm Bureau at $100 per month and $589 for six months.

Cheapest Full Coverage Car Insurance Quotes in North St. Paul, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$589	$100
Auto-Owners Insurance Co	$596	$99
Westfield	$596	$101
American Family	$622	$105
West Bend Mutual	$772	$130
Travelers	$826	$139
Nationwide	$914	$155
USAA	$955	$161
AAA	$988	$166
Auto-Owners	$1057	$178
West Bend	$1138	$194
State Farm	$1191	$201
Western National	$1537	$261
Allstate	$1612	$271
North Star Mutual	$1889	$321
Farmers	$1937	$323

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Average Car Insurance in North St. Paul by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in North St. Paul, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in North St. Paul, Minnesota, may be increasing due to several external factors. Minnesota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, North St. Paul's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in North St. Paul

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$746
30s	Farm Bureau Mutual	$532
40s	Farm Bureau Mutual	$527
50s	Farm Bureau Mutual	$443
60s	Farm Bureau Mutual	$454
70s	Farm Bureau Mutual	$532

Cheapest Car Insurance Rates for Teen Drivers in North St. Paul,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the North St. Paul at $33 per month. At $6981 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
North Star Mutual Insurance	$271	$46
Auto-Owners Insurance Co	$291	$49
Iowa Farm Bureau	$298	$50
Farmers Union Insurance	$311	$52
Umialik	$386	$64
American Family	$1057	$178
Travelers	$1186	$199
Auto-Owners	$1550	$261
USAA	$1585	$267
State Farm	$2363	$398
AAA	$2384	$401
Allstate	$3798	$640
North Star Mutual	$3982	$663
Western National	$4429	$754
Farmers	$6981	$1164

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in North St. Paul.

As young drivers face the highest rates in North St. Paul, Farm Bureau Mutual offers the cheapest auto insurance rates at $746 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in North St. Paul, West Bend Mutual is the cheapest car insurance provider. At $291 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in North St. Paul is State Farm, offering rates of around $7727 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$291	$49
Westfield	$359	$59
Farmers Union Insurance	$399	$68
Iowa Farm Bureau	$562	$93
American Family	$576	$98
USAA	$1882	$314
AAA	$2099	$353
Travelers	$2702	$450
North Star Mutual	$3128	$532
Auto-Owners	$3264	$544
Farmers	$3589	$610
Western National	$3752	$625
Allstate	$4496	$765
State Farm	$7727	$1288

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Car Insurance Rates with An Accident in North St. Paul

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In North St. Paul, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in North St. Paul

The cheapest car insurance companies after an at-fault accident in North St. Paul include Westfield and Umialik, offering $237 and $298, respectively. Allstate is an expensive provider with an average six-month premium of $2953.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$237	$40
Umialik	$298	$50
Iowa Farm Bureau	$366	$60
Auto-Owners Insurance Co	$386	$66
Farmers Union Insurance	$393	$65
West Bend Mutual	$399	$68
North Star Mutual Insurance	$461	$76
Encompass	$502	$85
American Family	$705	$119
Western National	$732	$123
Auto-Owners	$785	$132
State Farm	$813	$137
Travelers	$907	$153
USAA	$975	$164
AAA	$1544	$260
North Star Mutual	$1829	$308
Farmers	$2851	$475
Allstate	$2953	$497

North St. Paul Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North St. Paul MN. For example, the car insurance in North St. Paul after a DUI increases to $1246 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

North St. Paul auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1165	$194
One Med/PIP claim	$1179	$201
Not-at-fault accident	$1198	$199
One comp claim	$1239	$211
Two Med/PIP claims	$1239	$206
Two comp claims	$1294	$220
Failure to wear a seat belt	$1327	$221
Failure to show documents	$1347	$229
Child safety restraint	$1368	$228
Driving without lights	$1368	$233
Driving with expired registration	$1395	$233
Cell phone violation	$1422	$242
Speeding 6 - 10 MPH over limit	$1422	$237
Texting while driving	$1422	$242
Following too closely	$1435	$239
Driving too slowly	$1442	$245
Failure to yield	$1442	$241
Illegal turn	$1442	$245
Speeding in school zone	$1442	$241
Wrong way/wrong lane	$1442	$245
Failure to stop at a red light	$1449	$242
Improper passing	$1449	$246
Speeding 11 - 15 MPH over limit	$1456	$243
Speeding 16 - 20 MPH over limit	$1469	$250
At-fault accident - less than $1000	$1504	$251
Passing school bus	$1504	$255
In 65 MPH zone	$1510	$252
Operating a vehicle without permission	$1517	$258
Speeding 21 - 25 MPH over limit	$1564	$261
At-fault accident - $1000-$2000	$1672	$284
Open container	$1679	$280
At-fault accident - greater than $2000	$1713	$292
Reckless driving	$2099	$350
Racing	$2167	$368
Driving with a suspended license	$2303	$384
Refusal to submit to a chemical test	$2329	$396
DUI	$2411	$401
Leaving scene of an accident/hit and run	$2499	$425

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in North St. Paul after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in North St. Paul.

The cheapest car insurance premiums in North St. Paul are offered by Umialik at $298 for a six-month policy. However, it can be as expensive as $5410 with companies like AAA.

North St. Paul car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$298	$50
West Bend Mutual	$311	$52
Farmers Union Insurance	$373	$62
Westfield	$420	$72
Iowa Farm Bureau	$548	$91
Country Financial	$583	$99
Auto-Owners Insurance Co	$622	$104
American Family	$657	$111
Western National	$928	$156
Travelers	$935	$157
State Farm	$1191	$201
USAA	$1287	$217
Auto-Owners	$1327	$223
Farmers	$2891	$491
Allstate	$3068	$516
North Star Mutual	$5404	$919
AAA	$5410	$902

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in North St. Paul are offered by Westfield at $196. However, it can be as expensive as $3393 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North St. Paul after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Iowa Farm Bureau	$311	$52
West Bend Mutual	$311	$52
Auto-Owners Insurance Co	$325	$55
American Family	$345	$57
Farmers Union Insurance	$352	$60
State Farm	$744	$125
Western National	$928	$156
USAA	$982	$164
Auto-Owners	$1083	$185
Travelers	$1179	$196
North Star Mutual	$1889	$321
Farmers	$2430	$405
AAA	$2519	$429
Allstate	$3393	$565

Car Insurance Price Trends in North St. Paul, Minnesota

Car insurance rates in North St. Paul have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the North St. Paul remained steady at $245 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the North St. Paul remained steady at $58 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in North St. Paul?

The car insurance in North St. Paul is $27 per month, which is lower than the national average.

What is the cheapest car insurance in North St. Paul?

The cheapest car insurance in North St. Paul is $100 per month for full coverage.

How much is car insurance in North St. Paul for teenagers?

Car insurance for teenagers costs $196 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in North St. Paul?

The average cost of car insurance is $944 for a six-month policy. It will cost around $181 per month to insure your car in North St. Paul.

Is car insurance expensive in North St. Paul?

Car insurance can be expensive in North St. Paul if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in North St. Paul can be affordable.

Cheapest Car Insurance Quotes in North St. Paul

Why you can trust Way?

How Much Is Car Insurance in North St. Paul

Avg. Car Insurance in North St. Paul

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in North St. Paul

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

North St. Paul Car Insurance Rates by Company

Cheap Car Insurance Companies in North St. Paul, MN

Way's key takeaways about car insurance in North St. Paul

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North St. Paul

Cheapest Liability Coverage in North St. Paul, MN

Cheapest Full Coverage Car Insurance in North St. Paul

Cheapest Full Coverage Car Insurance Quotes in North St. Paul, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North St. Paul by Rating Factor

I have a clean driving record. Why is my car insurance rate here in North St. Paul, MN increasing?

Car Insurance Premiums by Age in North St. Paul

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North St. Paul,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in North St. Paul.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in North St. Paul

Cheapest Car Insurance Companies after an At-Fault Accident in North St. Paul

North St. Paul Car Insurance Rates by Violation

North St. Paul auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North St. Paul after a DUI

North St. Paul car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North St. Paul after Speeding ticket

Car Insurance Price Trends in North St. Paul, Minnesota

Average Car Insurance Cost in North St. Paul by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North St. Paul, MN

Car Insurance Rates by State in the USA (2025 Update)

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