Cheapest Car Insurance Quotes in St. Louis Park

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St. Louis Park Car Insurance

^$ 26

/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 St. Louis Park

The car insurance rate in St. Louis Park is $1029 for a six-month policy, which is $85 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $564, making it a popular choice for budget-conscious drivers. Rates in St. Louis Park 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 St. Louis Park

$1029

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in St. Louis Park

1st place: Iowa Farm Bureau

At $564 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 $570 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $570 for six months, making it the third cheapest auto insurance company in St. Louis Park.

St. Louis Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Louis Park, MN is Iowa Farm Bureau, offering policies at just $564 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $570.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1852 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Louis Park drivers find the best deals.

Cheap Car Insurance Companies in St. Louis Park, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$564	$96
Auto-Owners Insurance Co	$570	$95
Westfield	$570	$97
American Family	$595	$100
West Bend Mutual	$738	$124
Travelers	$790	$133
Nationwide	$874	$148
USAA	$913	$154
AAA	$945	$159
Auto-Owners	$1010	$170
West Bend	$1088	$185
State Farm	$1139	$192
Western National	$1469	$250
Allstate	$1541	$259
North Star Mutual	$1806	$307
Farmers	$1852	$308

Key Takeaways

Way's key takeaways about car insurance in St. Louis Park

The auto insurance costs in St. Louis Park fall around $564 for six months.
The cheapest auto insurance company in St. Louis Park is Westfield.
Teen drivers pay the highest rate in St. Louis Park at $1113 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in St. Louis Park

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 St. Louis Park are given below.

Westfield provides the cheapest minimum car insurance coverage in St. Louis Park. Their Average 6 Month Premium is $156. Farmers is the most expensive at $751 for the same period.

Cheapest Liability Coverage in St. Louis Park, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
West Bend Mutual	$220	$37
North Star Mutual Insurance	$240	$40
USAA	$259	$44
Auto-Owners Insurance Co	$271	$46
Iowa Farm Bureau	$271	$46
West Bend	$271	$46
Farmers Union Insurance	$278	$47
Auto-Owners	$284	$48
North Star Mutual	$284	$48
AAA	$317	$53
American Family	$317	$53
Travelers	$317	$53
State Farm	$343	$58
Western National	$363	$61
Allstate	$531	$89
Farmers	$751	$128

Cheapest Full Coverage Car Insurance in St. Louis Park

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 St. Louis Park is Iowa Farm Bureau at $96 per month and $564 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Louis Park, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$564	$96
Auto-Owners Insurance Co	$570	$95
Westfield	$570	$97
American Family	$595	$100
West Bend Mutual	$738	$124
Travelers	$790	$133
Nationwide	$874	$148
USAA	$913	$154
AAA	$945	$159
Auto-Owners	$1010	$170
West Bend	$1088	$185
State Farm	$1139	$192
Western National	$1469	$250
Allstate	$1541	$259
North Star Mutual	$1806	$307
Farmers	$1852	$308

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Average Car Insurance in St. Louis Park 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 St. Louis Park, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in St. Louis Park, 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, St. Louis Park's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in St. Louis Park

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	$713
30s	Farm Bureau Mutual	$509
40s	Farm Bureau Mutual	$504
50s	Farm Bureau Mutual	$424
60s	Farm Bureau Mutual	$434
70s	Farm Bureau Mutual	$509

Cheapest Car Insurance Rates for Teen Drivers in St. Louis Park,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the St. Louis Park at $32 per month. At $6675 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$32
North Star Mutual Insurance	$259	$44
Auto-Owners Insurance Co	$278	$47
Iowa Farm Bureau	$284	$48
Farmers Union Insurance	$298	$50
Umialik	$370	$61
American Family	$1010	$170
Travelers	$1134	$191
Auto-Owners	$1482	$250
USAA	$1515	$255
State Farm	$2260	$380
AAA	$2279	$384
Allstate	$3632	$611
North Star Mutual	$3807	$634
Western National	$4235	$720
Farmers	$6675	$1113

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 St. Louis Park.

As young drivers face the highest rates in St. Louis Park, Farm Bureau Mutual offers the cheapest auto insurance rates at $713 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 St. Louis Park, West Bend Mutual is the cheapest car insurance provider. At $278 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 St. Louis Park is State Farm, offering rates of around $7388 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$278	$47
Westfield	$343	$57
Farmers Union Insurance	$382	$65
Iowa Farm Bureau	$537	$89
American Family	$550	$94
USAA	$1800	$300
AAA	$2007	$338
Travelers	$2583	$431
North Star Mutual	$2991	$509
Auto-Owners	$3121	$520
Farmers	$3431	$583
Western National	$3587	$597
Allstate	$4299	$731
State Farm	$7388	$1232

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in St. Louis Park.

Car Insurance Rates with An Accident in St. Louis Park

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 St. Louis Park, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in St. Louis Park

The cheapest car insurance companies after an at-fault accident in St. Louis Park include Westfield and Umialik, offering $227 and $284, respectively. Allstate is an expensive provider with an average six-month premium of $2823.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$227	$38
Umialik	$284	$48
Iowa Farm Bureau	$350	$58
Auto-Owners Insurance Co	$370	$63
Farmers Union Insurance	$376	$62
West Bend Mutual	$382	$65
North Star Mutual Insurance	$440	$73
Encompass	$480	$82
American Family	$674	$113
Western National	$700	$118
Auto-Owners	$751	$126
State Farm	$777	$131
Travelers	$868	$146
USAA	$932	$157
AAA	$1476	$249
North Star Mutual	$1748	$294
Farmers	$2726	$455
Allstate	$2823	$475

St. Louis Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Louis Park MN. For example, the car insurance in St. Louis Park after a DUI increases to $1191 for a six month policy. While the rate increases by $245 for a six-month policy in the case of a speeding ticket.

St. Louis Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1114	$185
One Med/PIP claim	$1127	$192
Not-at-fault accident	$1146	$191
One comp claim	$1185	$202
Two Med/PIP claims	$1185	$197
Two comp claims	$1237	$210
Failure to wear a seat belt	$1269	$211
Failure to show documents	$1288	$219
Child safety restraint	$1308	$218
Driving without lights	$1308	$222
Driving with expired registration	$1334	$222
Cell phone violation	$1359	$231
Speeding 6 - 10 MPH over limit	$1359	$227
Texting while driving	$1359	$231
Following too closely	$1372	$229
Driving too slowly	$1379	$234
Failure to yield	$1379	$230
Illegal turn	$1379	$234
Speeding in school zone	$1379	$230
Wrong way/wrong lane	$1379	$234
Failure to stop at a red light	$1385	$231
Improper passing	$1385	$235
Speeding 11 - 15 MPH over limit	$1392	$232
Speeding 16 - 20 MPH over limit	$1405	$239
At-fault accident - less than $1000	$1438	$240
Passing school bus	$1438	$244
In 65 MPH zone	$1444	$241
Operating a vehicle without permission	$1451	$246
Speeding 21 - 25 MPH over limit	$1495	$250
At-fault accident - $1000-$2000	$1599	$271
Open container	$1606	$268
At-fault accident - greater than $2000	$1638	$279
Reckless driving	$2007	$335
Racing	$2072	$352
Driving with a suspended license	$2202	$367
Refusal to submit to a chemical test	$2227	$378
DUI	$2305	$384
Leaving scene of an accident/hit and run	$2389	$407

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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 St. Louis Park 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 St. Louis Park.

The cheapest car insurance premiums in St. Louis Park are offered by Umialik at $284 for a six-month policy. However, it can be as expensive as $5173 with companies like AAA.

St. Louis Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$284	$48
West Bend Mutual	$298	$50
Farmers Union Insurance	$356	$59
Westfield	$401	$69
Iowa Farm Bureau	$524	$87
Country Financial	$557	$95
Auto-Owners Insurance Co	$595	$99
American Family	$628	$106
Western National	$887	$149
Travelers	$894	$150
State Farm	$1139	$192
USAA	$1231	$207
Auto-Owners	$1269	$214
Farmers	$2764	$470
Allstate	$2933	$494
North Star Mutual	$5167	$879
AAA	$5173	$862

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 St. Louis Park are offered by Westfield at $187. However, it can be as expensive as $3244 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in St. Louis Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$32
Iowa Farm Bureau	$298	$50
West Bend Mutual	$298	$50
Auto-Owners Insurance Co	$311	$52
American Family	$330	$55
Farmers Union Insurance	$337	$58
State Farm	$712	$120
Western National	$887	$149
USAA	$938	$157
Auto-Owners	$1036	$177
Travelers	$1127	$187
North Star Mutual	$1806	$307
Farmers	$2324	$387
AAA	$2409	$410
Allstate	$3244	$541

Car Insurance Price Trends in St. Louis Park, Minnesota

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

The average cost of full coverage in the St. Louis Park remained steady at $234 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the St. Louis Park remained steady at $56 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 St. Louis Park?

The car insurance in St. Louis Park is $26 per month, which is lower than the national average.

What is the cheapest car insurance in St. Louis Park?

The cheapest car insurance in St. Louis Park is $96 per month for full coverage.

How much is car insurance in St. Louis Park for teenagers?

Car insurance for teenagers costs $187 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 St. Louis Park?

The average cost of car insurance is $944 for a six-month policy. It will cost around $173 per month to insure your car in St. Louis Park.

Is car insurance expensive in St. Louis Park?

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

Cheapest Car Insurance Quotes in St. Louis Park

Why you can trust Way?

How Much Is Car Insurance in St. Louis Park

Avg. Car Insurance in St. Louis Park

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in St. Louis Park

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

St. Louis Park Car Insurance Rates by Company

Cheap Car Insurance Companies in St. Louis Park, MN

Way's key takeaways about car insurance in St. Louis Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. Louis Park

Cheapest Liability Coverage in St. Louis Park, MN

Cheapest Full Coverage Car Insurance in St. Louis Park

Cheapest Full Coverage Car Insurance Quotes in St. Louis Park, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. Louis Park by Rating Factor

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

Car Insurance Premiums by Age in St. Louis Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in St. Louis Park,MN

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

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 St. Louis Park

Cheapest Car Insurance Companies after an At-Fault Accident in St. Louis Park

St. Louis Park Car Insurance Rates by Violation

St. Louis Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. Louis Park after a DUI

St. Louis Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. Louis Park after Speeding ticket

Car Insurance Price Trends in St. Louis Park, Minnesota

Average Car Insurance Cost in St. Louis Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near St. Louis Park, MN

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

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