Cheapest Car Insurance Quotes in St. Paul

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St. Paul Car Insurance

^$ 29

/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. Paul

The car insurance rate in St. Paul is $1142 for a six-month policy, which is $198 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $626, making it a popular choice for budget-conscious drivers. Rates in 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 St. Paul

$1142

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in St. Paul

1st place: Iowa Farm Bureau

At $626 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 $633 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $633 for six months, making it the third cheapest auto insurance company in St. Paul.

St. Paul Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Paul, MN is Iowa Farm Bureau, offering policies at just $626 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $633.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2056 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Paul drivers find the best deals.

Cheap Car Insurance Companies in St. Paul, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$626	$106
Auto-Owners Insurance Co	$633	$105
Westfield	$633	$108
American Family	$661	$111
West Bend Mutual	$819	$138
Travelers	$877	$148
Nationwide	$970	$165
USAA	$1014	$171
AAA	$1049	$177
Auto-Owners	$1122	$189
West Bend	$1208	$206
State Farm	$1264	$213
Western National	$1631	$277
Allstate	$1711	$288
North Star Mutual	$2005	$341
Farmers	$2056	$342

Key Takeaways

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

The auto insurance costs in St. Paul fall around $626 for six months.
The cheapest auto insurance company in St. Paul is Westfield.
Teen drivers pay the highest rate in St. Paul at $1235 per month.

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Cheapest Minimum Liability Car Insurance in 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 St. Paul are given below.

Westfield provides the cheapest minimum car insurance coverage in St. Paul. Their Average 6 Month Premium is $173. Farmers is the most expensive at $834 for the same period.

Cheapest Liability Coverage in St. Paul, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
West Bend Mutual	$244	$41
North Star Mutual Insurance	$266	$45
USAA	$288	$48
Auto-Owners Insurance Co	$301	$51
Iowa Farm Bureau	$301	$51
West Bend	$301	$51
Farmers Union Insurance	$309	$52
Auto-Owners	$316	$53
North Star Mutual	$316	$53
AAA	$352	$59
American Family	$352	$59
Travelers	$352	$59
State Farm	$381	$64
Western National	$403	$68
Allstate	$589	$99
Farmers	$834	$142

Cheapest Full Coverage Car Insurance in 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 St. Paul is Iowa Farm Bureau at $106 per month and $626 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$626	$106
Auto-Owners Insurance Co	$633	$105
Westfield	$633	$108
American Family	$661	$111
West Bend Mutual	$819	$138
Travelers	$877	$148
Nationwide	$970	$165
USAA	$1014	$171
AAA	$1049	$177
Auto-Owners	$1122	$189
West Bend	$1208	$206
State Farm	$1264	$213
Western National	$1631	$277
Allstate	$1711	$288
North Star Mutual	$2005	$341
Farmers	$2056	$342

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Average Car Insurance in 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 St. Paul, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in 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, 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 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	$791
30s	Farm Bureau Mutual	$565
40s	Farm Bureau Mutual	$559
50s	Farm Bureau Mutual	$471
60s	Farm Bureau Mutual	$482
70s	Farm Bureau Mutual	$565

Cheapest Car Insurance Rates for Teen Drivers in 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 St. Paul at $35 per month. At $7410 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$208	$35
North Star Mutual Insurance	$288	$48
Auto-Owners Insurance Co	$309	$52
Iowa Farm Bureau	$316	$53
Farmers Union Insurance	$330	$56
Umialik	$410	$68
American Family	$1122	$189
Travelers	$1258	$212
Auto-Owners	$1646	$277
USAA	$1682	$283
State Farm	$2508	$422
AAA	$2530	$426
Allstate	$4032	$679
North Star Mutual	$4227	$704
Western National	$4701	$800
Farmers	$7410	$1235

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. Paul.

As young drivers face the highest rates in St. Paul, Farm Bureau Mutual offers the cheapest auto insurance rates at $791 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. Paul, West Bend Mutual is the cheapest car insurance provider. At $309 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. Paul is State Farm, offering rates of around $8201 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$309	$52
Westfield	$381	$63
Farmers Union Insurance	$424	$73
Iowa Farm Bureau	$597	$99
American Family	$611	$104
USAA	$1998	$333
AAA	$2228	$375
Travelers	$2868	$478
North Star Mutual	$3320	$565
Auto-Owners	$3464	$577
Farmers	$3809	$647
Western National	$3982	$663
Allstate	$4772	$812
State Farm	$8201	$1367

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Car Insurance Rates with An Accident in 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 St. Paul, MN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in St. Paul include Westfield and Umialik, offering $252 and $316, respectively. Allstate is an expensive provider with an average six-month premium of $3134.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$252	$42
Umialik	$316	$53
Iowa Farm Bureau	$388	$64
Auto-Owners Insurance Co	$410	$70
Farmers Union Insurance	$417	$69
West Bend Mutual	$424	$73
North Star Mutual Insurance	$489	$81
Encompass	$532	$91
American Family	$748	$126
Western National	$777	$131
Auto-Owners	$834	$140
State Farm	$863	$145
Travelers	$963	$162
USAA	$1035	$174
AAA	$1638	$276
North Star Mutual	$1941	$327
Farmers	$3026	$505
Allstate	$3134	$528

St. Paul Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Paul MN. For example, the car insurance in St. Paul after a DUI increases to $1322 for a six month policy. While the rate increases by $272 for a six-month policy in the case of a speeding ticket.

St. Paul auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1237	$206
One Med/PIP claim	$1251	$213
Not-at-fault accident	$1272	$212
One comp claim	$1315	$224
Two Med/PIP claims	$1315	$219
Two comp claims	$1373	$234
Failure to wear a seat belt	$1408	$235
Failure to show documents	$1430	$243
Child safety restraint	$1452	$242
Driving without lights	$1452	$247
Driving with expired registration	$1481	$247
Cell phone violation	$1509	$257
Speeding 6 - 10 MPH over limit	$1509	$252
Texting while driving	$1509	$257
Following too closely	$1523	$254
Driving too slowly	$1531	$260
Failure to yield	$1531	$255
Illegal turn	$1531	$260
Speeding in school zone	$1531	$255
Wrong way/wrong lane	$1531	$260
Failure to stop at a red light	$1538	$257
Improper passing	$1538	$261
Speeding 11 - 15 MPH over limit	$1545	$258
Speeding 16 - 20 MPH over limit	$1560	$265
At-fault accident - less than $1000	$1596	$266
Passing school bus	$1596	$271
In 65 MPH zone	$1603	$267
Operating a vehicle without permission	$1611	$273
Speeding 21 - 25 MPH over limit	$1660	$277
At-fault accident - $1000-$2000	$1775	$301
Open container	$1782	$298
At-fault accident - greater than $2000	$1819	$310
Reckless driving	$2228	$371
Racing	$2300	$391
Driving with a suspended license	$2444	$408
Refusal to submit to a chemical test	$2472	$420
DUI	$2559	$426
Leaving scene of an accident/hit and run	$2652	$451

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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. 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 St. Paul.

The cheapest car insurance premiums in St. Paul are offered by Umialik at $316 for a six-month policy. However, it can be as expensive as $5743 with companies like AAA.

St. Paul car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$316	$53
West Bend Mutual	$330	$56
Farmers Union Insurance	$396	$65
Westfield	$445	$76
Iowa Farm Bureau	$582	$97
Country Financial	$618	$105
Auto-Owners Insurance Co	$661	$110
American Family	$697	$117
Western National	$985	$166
Travelers	$992	$167
State Farm	$1264	$213
USAA	$1366	$230
Auto-Owners	$1408	$237
Farmers	$3069	$522
Allstate	$3256	$548
North Star Mutual	$5735	$975
AAA	$5743	$957

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. Paul are offered by Westfield at $208. However, it can be as expensive as $3601 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in St. Paul after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$208	$35
Iowa Farm Bureau	$330	$56
West Bend Mutual	$330	$56
Auto-Owners Insurance Co	$345	$58
American Family	$367	$61
Farmers Union Insurance	$374	$64
State Farm	$790	$133
Western National	$985	$166
USAA	$1042	$174
Auto-Owners	$1150	$196
Travelers	$1251	$208
North Star Mutual	$2005	$341
Farmers	$2580	$430
AAA	$2674	$455
Allstate	$3601	$600

Car Insurance Price Trends in St. Paul, Minnesota

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

The average cost of full coverage in the St. Paul remained steady at $260 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the St. Paul remained steady at $62 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. Paul?

The car insurance in St. Paul is $29 per month, which is lower than the national average.

What is the cheapest car insurance in St. Paul?

The cheapest car insurance in St. Paul is $106 per month for full coverage.

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

Car insurance for teenagers costs $208 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. Paul?

The average cost of car insurance is $944 for a six-month policy. It will cost around $192 per month to insure your car in St. Paul.

Is car insurance expensive in St. Paul?

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

Cheapest Car Insurance Quotes in St. Paul

Why you can trust Way?

How Much Is Car Insurance in St. Paul

Avg. Car Insurance in St. Paul

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in St. Paul

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

St. Paul Car Insurance Rates by Company

Cheap Car Insurance Companies in St. Paul, MN

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

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. Paul

Cheapest Liability Coverage in St. Paul, MN

Cheapest Full Coverage Car Insurance in St. Paul

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

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. Paul by Rating Factor

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

Car Insurance Premiums by Age in St. Paul

Cheapest Car Insurance Companies Based on Age Group

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

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

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

St. Paul Car Insurance Rates by Violation

St. Paul auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. Paul after a DUI

St. Paul car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. Paul after Speeding ticket

Car Insurance Price Trends in St. Paul, Minnesota

Average Car Insurance Cost in St. Paul by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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

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

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