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Key Takeaways

  • Compared to the rest of Minnesota, Saint Paul charges an additional $16 per month for auto insurance.
  • The age group with the lowest premiums, drivers in their 50s, spend an average of $1462 for vehicle insurance in St. Paul.
  • Married drivers frequently pay lower rates than their single counterparts, according to data showing that they submit fewer insurance claims. Additionally, widows pay much lower rates than single people do.

Introduction

In Saint Paul, as opposed to the rest of Minnesota, it costs about $16 extra per month to insure your car.

Similarly, Saint Paul drivers might face greater fees than those in the rest of the nation. Auto insurance premiums in Saint Paul are roughly $31 more than the national average.

Although these figures show the typical monthly costs for coverage in Saint Paul, they do not always reflect what you will spend. When deciding how much to charge you for your auto insurance, insurance companies take a variety of things into account. Your monthly bill is determined by factors including your age, gender, the kind and model of your car, your driving history, and, in some situations, your credit score.

How much does car insurance cost in St. Paul?

In St. Paul, the annual cost of auto insurance is $1,675. That is more expensive than both the Minnesota average ($1,331) and the national average ($1,557). Our St. Paul car insurance guide covers typical premiums depending on age, credit score, driving history, and marital status. It was developed by Way.com's team of certified insurance experts. For additional details, continue reading.

St. Paul Average Minnesota Average National Average
$1675 $1331 $1557

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Auto insurance requirements in St. Paul, Minnesota

Every motor vehicle used or parked on Minnesotan roads must have insurance. You must always have proof of insurance with you in your car and be able to provide it when:

  • Demand from law enforcement
  • Vehicle registration renewal
  • The car is involved in a collision

In Minnesota, private passenger cars are required to carry the following minimum levels of liability insurance

  • $30,000 for each individual injured physically
  • $60,000 for each accident involving bodily harm

Bodily injury coverage is an essential element of your liability insurance and pays for the medical costs associated with accident-related injuries to individuals other than the policyholder. Because Minnesota is a no-fault state, both parties' insurance companies will cover costs regardless of who was at blame for the collision.

  • $10,000 for property damage per incident

This coverage covers the cost of repairing the property of the other parties involved in an accident, even if it is ruled that one of the drivers is at fault. Additionally, if the insured driver is named in a subsequent lawsuit, property damage coverage may pay the associated legal fees.

  • $40,000 for PIP per accident

In the event of an accident, personal injury protection coverage, often known as PIP coverage, will pay the policyholder's medical expenses. Depending on your plan, you might also be eligible for non-medical benefits. This would cover things like missed pay, housing expenditures, and possibly burial fees, depending on your plan.

  • $25,000 per person for bodily injury caused by an uninsured or underinsured driver
  • $50,000 per accident for bodily injury caused by uninsured or underinsured drivers

After an automobile collision, uninsured and underinsured motorist coverage pays for damages brought on by a driver who has little or no insurance. Drivers in Massachusetts are required to acquire this insurance for bodily harm.

St. Paul Auto Insurance Premiums by Company

It's crucial to examine quotes carefully and pick your insurer carefully because there can be significant company-to-company differences in auto insurance costs. The cheapest rates in St. Paul are offered by AAA for the average driver.

The top St. Paul, Minnesota, low-cost auto insurance providers are listed below.

Insurance Company Average Annual Premium
AAA $1198
State Farm $1595
American Family $1612
Progressive $1995

St. Paul Auto Insurance Premiums by Age Group

Drivers in their 50s pay an average of $1462 for auto insurance in St. Paul, making them the age group with the lowest premiums. The price increase for those in their 60s is just marginal ($1556).

In St. Paul, young drivers ages 16 to 19 pay the highest rates for auto insurance. Aging out of your adolescent years is one of the best methods to reduce your vehicle insurance costs as a driver in St. Paul. The price gap in St. Paul between drivers in their 20s and those who are still in their teens for auto insurance is $4,048, making it the greatest such disparity between any two age groups.

Age Bracket Average Annual Premium
Teenagers $6263
20s $2215
30s $1657
40s $1562
50s $1462
60s $1556
70s $1888

St. Paul Auto Insurance Premiums by Marital Status

Married drivers in St. Paul spend $102 less on auto insurance than single drivers. According to research indicating they make fewer insurance claims, married drivers often pay lower rates than their single counterparts. Widowed people also pay far less in rates than single people do. It's interesting to see that widower drivers in St. Paul receive lower rates than single drivers.

Marital Status Average Annual Premium
Single $1573
Married $1573
Divorced $1675
Widowed $1632

St. Paul Auto Insurance Premiums by Gender

Gender is another factor in auto insurance pricing. Female drivers in St. Paul pay $94 more per year than male drivers do.

Gender Average Annual Premium
Male $1769
Female $1675

St. Paul Auto Insurance Premiums by Driving Record

Maintaining a spotless driving record is a wonderful strategy to keep your car insurance rates low, regardless of where you live. At-fault incidents, DUIs and DWIs, reckless driving tickets, and speeding tickets all frequently result in rate increases.

DUI and reckless driving are two of the most expensive traffic infractions from an insurance standpoint. When compared to the citywide average, a reckless driving ticket in St. Paul raises insurance rates on average by $956 per year. For comparison, a DUI conviction results in a $928 increase, whereas a speeding citation results in a $434 rate rise.

Driving violation/ incident Average Annual Premium
At-fault accidents (damages <$1000) $2269
At-fault accidents (damages >$2000) $2412
DUI/ DWI $2603
Reckless driving $2631
Speeding tickets $2109

St. Paul Auto Insurance Premiums by Credit Score

It is no secret that the cost of auto insurance is successfully running with a credit score. In fact, St. Paul drivers see an average 60% reduction in their auto insurance premiums when their credit score rises from the"Very Poor" tier (300-579) to the"Exceptional" tier (800-850). A significant step toward lowering the cost of auto insurance is upgrading from"Very Poor" to"Fair" credit. In St. Paul, lowering your credit score to"Fair" could result in a $1,406 reduction in your yearly insurance costs.

Credit Tier Average Annual Premium
Very Poor $3384
Fair $1979
Good $1675
Very Good $1520
Exceptional $1350

St. Paul Auto Insurance Premiums by Zip Code

Car insurance companies may view you as a high risk to cover if you live in an unfriendly area, which could result in rates that are higher than those of a friend who lives nearby. And sadly, Saint Paul is not an exception. The premium increase from ZIP code 55124 to 55103 is 49%, or $763.

Zip codes in Saint Paul that are expensive are 55104, 55107, 55101, 55106, and 55103.

55124, 55123, 55122, 55129, and 55125 are affordable Saint Paul ZIP codes.

What would affect your car insurance rates in St. Paul, Minnesota?

The characteristics that car insurance companies use when calculating quotes include things you can't control, such as your age and gender, as well as those you can, like your driving history, credit score, address, and marital status.

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How to save on auto insurance in St. Paul, Minnesota?

There are always ways to lower the cost of auto insurance. While comparing insurance quotes from several providers might help you find the most reasonable alternative, there are some tricks you can do to lower the insurance premium costs.

  • Comparing and buying

Since the majority of insurance companies now offer quotes online, doing extensive research will help you find the policy that best meets your needs.

  • Know the amount of your deductible

Lower deductibles lower the cost of auto insurance. But doing so will cut down on your accident claim. Choose a deductible that fits your budget and comfort level after comparing coverage options to see if a lower deductible offers savings.

  • Investigation of discounts

In Minnesota, when buying insurance, you must always hunt for discounts. The majority of companies offer bundle discounts, telematics discounts, good driver discounts, and savings for multiple policies. The premium rates can differ significantly as a result.

Tips for driving in St. Paul, Minnesota

  • Do not forget to purchase reliable auto insurance.
  • All passengers, including the driver, must always buckle up in their seatbelts.
  • Children under the age of eight must be secured in a safety seat that is the right size.
  • If a driver exceeds the speed limit that is indicated by the signs, they lose their right of way.
  • When failing to do so puts pedestrians and funeral procession drivers at risk of an accident, drivers must yield to both.
  • When visibility is 500 feet or less due to fog, snow, sleet, rain, or hail, you must turn the headlights on.
  • On a 2 or a 4-lane roadway, you are permitted to travel up to 10 mph faster than the posted speed limit to pass.
  • Throwing trash from your car is illegal.
  • Without a hands-free kit, you cannot use your cell phone.
  • Even when the bus is in the lane of oncoming traffic, drivers are required to come to a complete stop within 20 feet of a school bus that is loading or unloading students. If the bus is on the other side of a divided roadway, the regulation does not apply.
  • In Minnesota, you must"zipper merge," which means you cannot merge before the lanes have already begun to combine.

Each year, more than 700,000 automobile accidents are caused by the weather. A 31-inch annual rainfall and 109 wet days are to be expected in Saint Paul. Severe winter storms are also known to hit Saint Paul.

  • A Year with 109 Rainy Days
  • 31"Annual Average Rainfall
  • 49"Annual Snowfall Average

Best car insurance companies in St. Paul, Minnesota

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQ

How much is car insurance in Saint Paul?

Auto insurance in St. Paul costs $1,675 a year.

How do I find cheap car insurance in Saint Paul, MN?

Shopping around is the greatest approach to finding a low cost before committing to a policy! In this case, Way.com can be useful. At Way, we put in the work to provide you with comparisons of the actual rates from various businesses that adhere to the basic standards. Find affordable coverage and pricing with a few simple clicks.

There are always ways to locate vehicle insurance rates that you can afford, regardless of your credit score, driving history, age, or region. To purchase good coverage, you don't need a well-known company like State Farm, USAA, or Allstate. To locate the greatest deals, make sure to comparison-shop and do your homework. Additionally, insurance providers provide a range of discounts to suit various needs.

Do I need to change my insurance if I move to Saint Paul?

Every time you move or go through any significant life change, like getting married or starting a new job, you should think about reviewing your current insurance coverage. A fantastic method to be sure you're getting the best deal for your new location is to use services like Way.com to compare quotations from several businesses at once.

What factors affect car insurance quotes in Saint Paul?

Your auto insurance costs are influenced by where you stay in Saint Paul. So one of the main determinants of the vehicle insurance premiums you'll pay, along with your driving record and credit score, is where you live.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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