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

Car insurance in St. Paul, MN averages $498 a month. 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 St. Paul car insurance rates, compare quotes from the top car insurance companies in 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

  • Average car insurance rates in St. Paul, MN after a DUI are $8,255/year
  • The cheapest ZIP code in St. Paul is 55110
  • Average car insurance rates in St. Paul, MN are $5,972/year

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

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

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

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

How do age, gender, and marital status affect St. Paul, MN car insurance rates? Every 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 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 $4,111 $4,111 $4,000 $4,000 $9,380 $13,287 $5,044 $5,198
American Family $2,812 $2,812 $2,559 $2,559 $7,914 $11,238 $2,812 $3,138
Farmers $2,669 $2,659 $2,557 $2,712 $7,830 $7,883 $3,503 $3,364
GEICO $2,926 $2,896 $2,785 $2,708 $6,460 $8,138 $2,734 $2,877
Liberty Mutual $13,324 $13,324 $13,200 $13,200 $25,521 $37,938 $13,324 $18,267
Nationwide $2,794 $2,764 $2,490 $2,621 $7,517 $8,990 $3,329 $3,409
State Farm $2,192 $2,192 $1,990 $1,990 $5,015 $6,061 $2,523 $2,091
USAA $2,163 $2,109 $1,993 $1,953 $6,028 $6,498 $2,802 $2,928

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 St. Paul, MN

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,982 $4,894 $4,549
American Family $6,271 $4,007 $3,164
Farmers $5,191 $3,749 $3,502
GEICO $4,728 $3,871 $3,222
Liberty Mutual $25,802 $16,689 $13,045
Nationwide $5,065 $4,070 $3,583
State Farm $4,388 $2,680 $1,953
USAA $5,111 $2,561 $2,255

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

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

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,387 $6,503 $7,813 $5,862
American Family $3,046 $5,282 $6,143 $3,451
Farmers $3,547 $4,486 $4,550 $4,005
GEICO $2,640 $4,162 $6,131 $2,829
Liberty Mutual $13,067 $18,353 $28,542 $14,086
Nationwide $3,368 $4,468 $5,132 $3,989
State Farm $2,734 $3,280 $3,007 $3,007
USAA $2,449 $3,150 $4,724 $2,913

Cheapest St. Paul, MN Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,380 $13,287
American Family $7,914 $11,238
Farmers $7,830 $7,883
GEICO $6,460 $8,138
Liberty Mutual $25,521 $37,938
Nationwide $7,517 $8,990
State Farm $5,015 $6,061
USAA $6,028 $6,498

Cheapest St. Paul, MN Car Insurance for Seniors

Take a look at 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 St. Paul, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,000 $4,000
American Family $2,559 $2,559
Farmers $2,557 $2,712
GEICO $2,785 $2,708
Liberty Mutual $13,200 $13,200
Nationwide $2,490 $2,621
State Farm $1,990 $1,990
USAA $1,993 $1,953

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,813
American Family $6,143
Farmers $4,550
GEICO $6,131
Liberty Mutual $28,542
Nationwide $5,132
State Farm $3,007
USAA $4,724

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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

How does how far you drive affect car insurance rates in 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 St. Paul, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,141 $6,141
American Family $4,428 $4,532
Farmers $4,147 $4,147
GEICO $3,885 $3,996
Liberty Mutual $17,990 $19,034
Nationwide $4,239 $4,239
State Farm $2,920 $3,094
USAA $3,266 $3,352

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

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

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

ZIP Code Average Annual Rates
55101 $4,978
55102 $4,722
55103 $4,963
55104 $4,829
55105 $3,952
55106 $4,985
55107 $4,880
55108 $3,942
55110 $3,496
55111 $3,697
55114 $4,723
55116 $3,920
55117 $4,121
55130 $4,435

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

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

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

Insurance Company Average Annual Rates
Allstate $6,141
American Family $4,480
Farmers $4,147
GEICO $3,940
Liberty Mutual $18,512
Nationwide $4,239
State Farm $3,007
USAA $3,309

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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

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

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

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

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

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

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

Insurance Company Low Medium High
Allstate $6,032 $6,138 $6,254
American Family $4,462 $4,602 $4,378
Farmers $3,985 $4,166 $4,291
GEICO $3,786 $3,937 $4,098
Liberty Mutual $17,984 $18,535 $19,017
Nationwide $3,981 $4,276 $4,461
State Farm $2,875 $3,022 $3,124
USAA $3,197 $3,307 $3,423

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

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

Commute Time in St. Paul

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Paul, MN is 22.5 minutes according to City-Data.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in St. Paul, MN

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