Compare St. Cloud, MN Car Insurance Rates (2021)

Car insurance in St. Cloud, MN averages $367 a month. St. Cloud, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap St. Cloud car insurance rates, compare quotes from the top car insurance companies in St. Cloud, MN.

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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...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in St. Cloud is State Farm
  • Average car insurance rates in St. Cloud, MN after a DUI are $6,020/year
  • Average car insurance rates in St. Cloud, MN are $4,404/year

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

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

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

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

How do age, gender, and marital status affect St. Cloud, MN car insurance rates? Every St. Cloud, 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 St. Cloud, 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 $3,000 $3,000 $2,905 $2,905 $6,828 $9,760 $3,667 $3,810
American Family $2,259 $2,259 $2,051 $2,051 $6,255 $8,999 $2,259 $2,539
Farmers $1,965 $1,963 $1,889 $2,003 $5,705 $5,775 $2,580 $2,523
GEICO $2,661 $2,637 $2,536 $2,466 $5,712 $7,234 $2,491 $2,596
Liberty Mutual $8,791 $8,791 $8,708 $8,708 $17,054 $25,465 $8,791 $12,140
Nationwide $2,159 $2,148 $1,926 $2,031 $5,745 $6,912 $2,563 $2,642
State Farm $1,601 $1,601 $1,447 $1,447 $3,597 $4,354 $1,840 $1,529
USAA $1,854 $1,816 $1,704 $1,677 $5,095 $5,514 $2,402 $2,520

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Minimum Car Insurance in St. Cloud, MN

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

Minimum Required Car Insurance Coverage in St. Cloud, 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 St. Cloud, MN Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $6,565 $3,571 $3,318
American Family $4,910 $3,243 $2,599
Farmers $3,799 $2,766 $2,586
GEICO $4,251 $3,478 $2,896
Liberty Mutual $17,156 $11,093 $8,670
Nationwide $3,888 $3,138 $2,772
State Farm $3,175 $1,941 $1,415
USAA $4,374 $2,180 $1,915

Cheapest St. Cloud, 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 St. Cloud, MN to rates for a clean record with top companies.

Annual St. Cloud, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,229 $4,739 $5,694 $4,277
American Family $2,410 $4,327 $4,868 $2,731
Farmers $2,613 $3,287 $3,335 $2,967
GEICO $2,359 $3,738 $5,542 $2,527
Liberty Mutual $8,841 $12,282 $18,570 $9,532
Nationwide $2,603 $3,439 $3,946 $3,075
State Farm $1,985 $2,368 $2,177 $2,177
USAA $2,093 $2,684 $4,026 $2,488

Cheapest St. Cloud, MN Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,828 $9,760
American Family $6,255 $8,999
Farmers $5,705 $5,775
GEICO $5,712 $7,234
Liberty Mutual $17,054 $25,465
Nationwide $5,745 $6,912
State Farm $3,597 $4,354
USAA $5,095 $5,514

Cheapest St. Cloud, MN Car Insurance for Seniors

Take a look at St. Cloud, 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 St. Cloud, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,905 $2,905
American Family $2,051 $2,051
Farmers $1,889 $2,003
GEICO $2,536 $2,466
Liberty Mutual $8,708 $8,708
Nationwide $1,926 $2,031
State Farm $1,447 $1,447
USAA $1,704 $1,677

Cheapest St. Cloud, MN Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,694
American Family $4,868
Farmers $3,335
GEICO $5,542
Liberty Mutual $18,570
Nationwide $3,946
State Farm $2,177
USAA $4,026

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Cheapest St. Cloud, MN Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,485 $4,485
American Family $3,542 $3,626
Farmers $3,050 $3,050
GEICO $3,493 $3,590
Liberty Mutual $11,953 $12,660
Nationwide $3,266 $3,266
State Farm $2,115 $2,239
USAA $2,786 $2,859

Cheapest St. Cloud, MN Car Insurance Rates by ZIP Code

St. Cloud car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in St. Cloud, MN.

Annual Car Insurance Rates by ZIP Code in St. Cloud, Minnesota

ZIP Code Average Annual Rates
56303 $3,359
56304 $3,379

The Best Cheap Car Insurance Companies in St. Cloud, MN

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

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

Insurance Company Average Annual Rates
Allstate $4,485
American Family $3,584
Farmers $3,050
GEICO $3,542
Liberty Mutual $12,306
Nationwide $3,266
State Farm $2,177
USAA $2,823

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Category Winners: Cheapest Car Insurance in St. Cloud, Minnesota

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

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

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

Cheapest St. Cloud, MN Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,411 $4,481 $4,562
American Family $3,562 $3,681 $3,509
Farmers $2,933 $3,064 $3,154
GEICO $3,421 $3,541 $3,662
Liberty Mutual $11,982 $12,317 $12,619
Nationwide $3,073 $3,293 $3,431
State Farm $2,082 $2,186 $2,263
USAA $2,732 $2,821 $2,916

What affects car insurance rates in St. Cloud, Minnesota?

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

Commute Time in St. Cloud

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Cloud, MN is 18.4 minutes according to City-Data.

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Compare Car Insurance Quotes in St. Cloud, MN

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

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

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