Compare South St. Paul, MN Car Insurance Rates (2021)

Car insurance in South St. Paul, MN averages $416 a month. South St. Paul, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap South St. Paul car insurance rates, compare quotes from the top car insurance companies in South St. Paul, MN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in South St. Paul is State Farm
  • Average car insurance rates in South St. Paul, MN after a DUI are $6,826/year
  • The cheapest car insurance company in South St. Paul for teen drivers is State Farm

If you need to buy South St. Paul, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in South St. Paul, MN is right here.

You’ll find South St. Paul car insurance rates, the cheapest South St. Paul, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare South St. Paul, Minnesota car insurance rates to Brooklyn Park car insurance rates, Plymouth car insurance rates, and Rochester car insurance rates.

Ready to find affordable South St. Paul, MN car insurance today? Enter your ZIP code for fast, free South St. Paul car insurance quotes.

Cheapest South St. Paul, MN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect South St. Paul, MN car insurance rates? Every South St. Paul, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in South St. Paul, Minnesota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,562 $3,562 $3,448 $3,448 $8,124 $11,637 $4,345 $4,524
American Family $2,537 $2,537 $2,307 $2,307 $7,044 $10,052 $2,537 $2,835
Farmers $2,482 $2,470 $2,378 $2,519 $7,261 $7,282 $3,250 $3,102
GEICO $2,403 $2,378 $2,282 $2,218 $5,338 $6,732 $2,245 $2,361
Liberty Mutual $10,275 $10,275 $10,178 $10,178 $19,771 $29,439 $10,275 $14,123
Nationwide $2,316 $2,310 $2,066 $2,180 $6,288 $7,590 $2,763 $2,861
State Farm $1,930 $1,930 $1,754 $1,754 $4,464 $5,446 $2,232 $1,834
USAA $1,948 $1,909 $1,791 $1,762 $5,427 $5,879 $2,531 $2,656

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in South St. Paul, MN

Every driver must carry the minimum car insurance in South St. Paul, MN. Take a look at the Minnesota car insurance requirements.

Minimum Required Car Insurance Coverage in South St. Paul, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest South St. Paul, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in South St. Paul, MN. Compare credit history car insurance rates in South St. Paul from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in South St. Paul, Minnesota

Insurance Company Poor Fair Good
Allstate $7,794 $4,249 $3,951
American Family $5,606 $3,599 $2,853
Farmers $4,822 $3,469 $3,238
GEICO $3,893 $3,188 $2,653
Liberty Mutual $19,942 $12,907 $10,094
Nationwide $4,219 $3,411 $3,010
State Farm $3,892 $2,378 $1,733
USAA $4,628 $2,307 $2,028

Cheapest South St. Paul, MN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in South St. Paul, MN to rates for a clean record with top companies.

Annual South St. Paul, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,815 $5,637 $6,802 $5,071
American Family $2,721 $4,790 $5,484 $3,083
Farmers $3,283 $4,165 $4,225 $3,699
GEICO $2,176 $3,427 $5,044 $2,331
Liberty Mutual $10,197 $14,235 $21,834 $10,990
Nationwide $2,834 $3,734 $4,276 $3,342
State Farm $2,424 $2,912 $2,668 $2,668
USAA $2,210 $2,839 $4,276 $2,627

Cheapest South St. Paul, MN Car Insurance for Teen Drivers

Teen car insurance in South St. Paul, MN can be expensive. Take a look at rates from the top car insurance companies in South St. Paul for teenagers.

Annual Car Insurance Rates for Teen Drivers in South St. Paul, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,124 $11,637
American Family $7,044 $10,052
Farmers $7,261 $7,282
GEICO $5,338 $6,732
Liberty Mutual $19,771 $29,439
Nationwide $6,288 $7,590
State Farm $4,464 $5,446
USAA $5,427 $5,879

Cheapest South St. Paul, MN Car Insurance for Seniors

Take a look at South St. Paul, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in South St. Paul, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,448 $3,448
American Family $2,307 $2,307
Farmers $2,378 $2,519
GEICO $2,282 $2,218
Liberty Mutual $10,178 $10,178
Nationwide $2,066 $2,180
State Farm $1,754 $1,754
USAA $1,791 $1,762

Cheapest South St. Paul, MN Car Insurance Rates After a DUI

A DUI in South St. Paul, MN increases car insurance rates. Compare South St. Paul, Minnesota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in South St. Paul, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,802
American Family $5,484
Farmers $4,225
GEICO $5,044
Liberty Mutual $21,834
Nationwide $4,276
State Farm $2,668
USAA $4,276

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest South St. Paul, MN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in South St. Paul, MN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in South St. Paul, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,331 $5,331
American Family $3,973 $4,066
Farmers $3,843 $3,843
GEICO $3,200 $3,290
Liberty Mutual $13,908 $14,721
Nationwide $3,547 $3,547
State Farm $2,592 $2,744
USAA $2,949 $3,026

The Best Cheap Car Insurance Companies in South St. Paul, MN

Take a look at a side-by-side comparison of the top car insurance companies in South St. Paul, MN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in South St. Paul, Minnesota

Insurance Company Average Annual Rates
Allstate $5,331
American Family $4,019
Farmers $3,843
GEICO $3,245
Liberty Mutual $14,314
Nationwide $3,547
State Farm $2,668
USAA $2,988

Category Winners: Cheapest Car Insurance in South St. Paul, Minnesota

Find the cheapest car insurance companies in South St. Paul, MN for each category right here.

Best Annual Car Insurance Rates by Company in South St. Paul, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record GEICO
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest South St. Paul, MN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your South St. Paul car insurance rates. Find the cheapest South St. Paul, MN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in South St. Paul, Minnesota

Insurance Company Low Medium High
Allstate $5,238 $5,328 $5,428
American Family $4,004 $4,129 $3,926
Farmers $3,692 $3,860 $3,978
GEICO $3,109 $3,245 $3,381
Liberty Mutual $13,868 $14,332 $14,743
Nationwide $3,328 $3,578 $3,734
State Farm $2,542 $2,682 $2,780
USAA $2,885 $2,986 $3,092

What affects car insurance rates in South St. Paul, Minnesota?

What factors can have an impact on South St. Paul, MN car insurance? There are several reasons why South St. Paul car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in South St. Paul, Minnesota.

Commute Time in South St. Paul

The more time you spend in your car the higher the risk of an accident. The average commute length in South St. Paul, MN is 20.2 minutes according to City-Data.

Compare Car Insurance Quotes in South St. Paul, MN

Ready to find affordable South St. Paul, Minnesota car insurance today? Enter your ZIP code for fast, free South St. Paul, MN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption