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: Jul 14, 2020

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Here's what you need to know...

  • St. Paul was recently ranked the #1 most livable city in the U.S.
  • Nearby Minneapolis is St. Paul’s “Twin City”
  • Car insurance rates vary depending on your age, status, and ZIP code

Whether you’re a lifelong resident or planning to make this city your new home, you’ll need to have car insurance if you’re planning to take to the roads of St. Paul. This guide to St. Paul, MN, car insurance rates will help you choose the best coverage for you. State car insurance rates vary, and we’ll cover how Minnesota’s laws affect St. Paul insurance costs.

To find the best for you, read about car insurance rates, company comparisons, and other specific factors that affect Saint Paul auto insurance. We’ll also tell you how to find the most reasonably priced car insurance for your personal needs.

Ready to start comparison shopping for the best car insurance in MN? Before starting this St. Paul car insurance guide, enter your ZIP code into our FREE tool above.

Table of Contents

The Cost of Car Insurance: St. Paul, MN

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The average cost of car insurance in St. Paul is over $4,313.50 per year. How much is car insurance per month in St. Paul, Minnesota? It works out to, on average, about $360/mo. Car insurance rates are based on many factors, including your age, marital status, and the neighborhood you live in.

Finding out everything you need to know about car insurance can be an arduous task. You do hours of research and find conflicting information from different sources. It can be very confusing and frustrating.

That’s why we’ve done the work for you. We’ll cover everything you need to know about car insurance in St. Paul. As we outline some insurance rates, it’s important to remember that these rates are averages, and your rates can be higher or lower, depending on your individual circumstances.

Male vs. Female vs. Age and Car Insurance Rates

Age plays a significant role when it comes to the cost of car insurance. Not only do people 55+ get discounts on everything from food to hotels, but they also pay less for car insurance. Younger drivers, on the other hand, are subject to considerably higher insurance premiums.

According to Data USA, the median age for residents of St. Paul is 32.6 years old.

Aveage Annual St. Paul, MN Car Insurance Rates by Age and Gender
CompaniesSingle 17-year-old maleSingle 17-year-old femaleSingle 25-year-old maleSingle 25-year-old femalMarried 35-year-old maleMarried 35-year-old femaleMarried 60-year-old maleMarried 60-year-old female
State Farm $4,106.75$5,042.84$2,473.98$2,233.79$1,879.44---
USAA$5,519.17$3,334.79$2,629.95$1,786.56$2,233.79$1,895.96$1,724.94$1,726.56
Illinois Farmers$5,872.48$5,820.43$9,510.34$2,473.98$4,106.75$2,041.64$9,604.65$1,965.24
AMCO$6,105.97$5,026.90$2,641.10$2,494.27$1,970.26$1,970.26$2,233.79$1,753.51
Geico$7,047.50$5,545.67$9,510.34$9,604.65$9,604.65$2,661.52$2,672.81$2,544.82
American Family$8,812.61$6,086.73$9,604.65$2,672.81$2,579.67$2,233.79$2,544.82$2,025.26
Allstate$9,968.67$6,885.00$3,860.95$3,677.99$3,023.30$3,023.30$2,908.43$2,908.43
Liberty Mutual$28,385.86$18,911.44$3,334.79$2,312.50$5,042.84$9,604.65$2,473.98$9,510.34
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As the data shows, teenage males often pay thousands of dollars more than their female counterparts. Married drivers tend to see lower rates than single drivers because insurers consider married people to be more financially secure.

Cheapest ZIP Codes in St. Paul for Car Insurance

Where you live in St. Paul can also impact how much you pay for car insurance. For example, if you live in a neighborhood with a high crime rate where it’s more likely you might be the victim of car thieves or vandals, you’ll likely pay more for your car insurance.

Check out the table below to see how much you might expect to pay for car insurance based on your ZIP code.

ZIP CODEAverage Annual Rate
55324$4,264.01
55968$4,293.38
55971$4,296.06
55936$4,304.01
55026$4,336.40
55027$4,355.55
55041$4,356.73
55811$4,518.61
55003$4,534.15
55346$4,575.93
55806$4,641.43
55427$4,676.71
55713$4,685.24
55448$4,739.15
55602$4,761.70
55036$4,788.43
55769$4,788.75
55704$4,792.55
55735$4,811.86
55056$4,822.41
55032$4,836.87
55030$4,865.77
55118$4,869.43
55045$4,909.45
55017$4,913.94
55008$4,917.15
55038$4,940.45
55040$4,955.17
55002$4,966.16
55005$4,984.06
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If you live in the ZIP code 55324, you’ll be paying around $700 less than people living in ZIP code 55005.

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Minimum Required Car Insurance Coverage in St. Paul

Minnesota is a no-fault state, which means that both parties’ insurance companies will be alerted after an accident and each company will be responsible for covering the damages of its own policyholder. The minimum auto insurance coverage needed in Minnesota is:

  • $25,000 in bodily injury liability coverage for one person with a total of $50,000 per accident
  • $15,000 in property damage liability coverage per accident

Remember, this is just the minimum. You should consider adding other important coverages for increased protection. Personal injury protection (PIP) is also very important in no-fault states. The minimum coverage for PIP is $40,000 per person per accident, which breaks down as follows:

  • $20,000 for hospital/medical expenses
  • $20,000 for non-medical expenses

Your own insurance company is responsible for your medical expenses after an accident in a no-fault state, so PIP will help cover your medical costs, lost wages, and provide up to $2,000 toward funeral expenses in the event of death.

What’s the best car insurance company in St. Paul?

So what’s the best car insurance company in St. Paul? The word best can mean different things to different people. All in all, learning about the insurance companies in your city — and what they have to offer — can help you make the right decision.

Cheapest Car Insurance Companies

How much is car insurance in Minnesota? Who has the cheapest car insurance in Minnesota? We’re all looking for cheap Minnesota car insurance. But, we’re also looking for the best cheap car insurance.  Most of the top providers are licensed in the Twin Cities. In the table below, we’ve listed those companies, their average annual rates for car insurance, and how those rates compare to the state average.

Minnesota's Cheapest Car Insurance Rates by Company
CompaniesAverage Annual RatesDifference from State Average
State Farm$2,066.99-$2,446.51
USAA$2,861.60-$1,651.89
AMCO$2,926.49-$1,587.01
Illinois Farmers$3,137.45-$1,376.04
Geico$3,498.53-$1,014.96
American Family$3,521.29-$992.21
Allstate$4,532.01$18.51
Liberty Mutual$13,563.61$9,050.11
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Next, we’re going to break down how these companies determine their rates so you can figure out which one might be best for your specific circumstances.

Best Car Insurance Companies for Commuters

With the average Minnesota driver putting 17,095 miles on their odometer per year in Minnesota, commute rates are super relevant. As you’ll see in the table below, some insurance companies charge higher rates to people with longer commutes. This is because the longer you’re behind the wheel, the more likely it is you’ll have an accident.

Aveage Annual Minnesota Car Insurance Rates by Commute
CompaniesAverage Annual Rates for 10 Miles Commute
6,000 Annual Mileage
Aveaage Annual Rates for 25 Miles Commute
12,000 Annual Mileage
State Farm$2,011.15$2,122.82
USAA$2,824.14$2,899.06
Nationwide$2,926.49$2,926.49
Farmers$3,137.45$3,137.45
Geico$3,452.20$3,544.87
American Family$3,480.06$3,562.51
Allstate$4,532.01$4,532.01
Liberty Mutual$13,165.37$13,961.85
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The cheapest company for Minnesota residents with longer commutes is State Farm, with average rates of $2,122 per year.

Best Car Insurance for Coverage Level Rates

Finding the right coverage level for your personal needs is one of the best strategies for saving money on car insurance. Let’s take a look at the rates charged by different companies for different levels of coverage.

Aveage Annual Minnesota Car Insurance Rates by Coverage Level
CompaniesAnnual Average Rates with High Coverage Annual Average Rates with Medium CoverageAnnual Average Rates with Low Coverage
State Farm$2,141.38$2,074.23$1,985.35
USAA$2,945.57$2,859.57$2,779.67
Nationwide$3,064.92$2,947.12$2,767.43
Farmers$3,239.56$3,150.22$3,022.58
American Family$3,432.86$3,618.33$3,512.68
Geico$3,603.48$3,497.28$3,394.84
Allstate$4,600.41$4,528.59$4,467.02
Liberty Mutual$13,874.92$13,574.70$13,241.20
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If you’re looking for high coverage at a low price, your best bets are insurers like Nationwide, USAA, and State Farm.

Best Car Insurance for Credit History Rates

Among other factors, your credit history has a huge impact on how much you pay for insurance. Insurance rates and credit scores correlate for a variety of reasons, one being how insurance adjusters judge the financial solvency of their clients.

The table below shows Minnesota insurance companies’ rates based on credit history.

Average Annual Minnesota Car Insurance Rates by Credit History
CompaniesAnnual Average Rates with Good CreditAnnual Average Rates with Fair CreditAnnual Average Rates with Poor Credit
State Farm$1,344.22$1,842.99$3,013.76
USAA$1,905.46$2,192.66$4,486.70
Nationwide$2,490.14$2,807.41$3,481.91
American Family$2,564.44$3,190.11$4,809.31
Farmers$2,654.85$2,840.59$3,916.92
Geico$2,861.19$3,433.78$4,200.64
Allstate$3,344.12$3,603.11$6,648.80
Liberty Mutual$9,555.18$12,227.54$18,908.11
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As you can see, a poor credit history equals higher rates. If you have a less-than-stellar credit history, State Farm offers an average annual rate of $3,013, which is much cheaper than the competitors.

Best Car Insurance for Driving Record Rates

If you get a speeding ticket, have an accident, or get a DUI, your car insurance rates will probably increase, as insurance companies believe that incidents like these indicate the potential for expensive claims in your future. The table below shows average rates for drivers with one of these three violations compared to a clean record.

Average Annual Car Insurance Rates by Driving Record
Driving RecordAverage
Annual Rates
Increase After
One Violation
Clean record $3,371.35$0
1 Accident $3,552.72$181
1 Speeding violation$4,722.77$1,351
1 DUI$6,131.51$2,760
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The repercussions of an accident or speeding are less severe than a DUI. However, all driving offenses can increase your rates.

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Driving in St. Paul

We’ve mentioned that your driving record, gender, and marital status can contribute to the cost of car insurance. But insurance companies also base rates on the car you drive, road conditions, traffic congestion in your area, crime reports, and so much more.

Roads in St. Paul

St. Paul is a large city with many neighborhoods. If you move to town in the winter, you may be thrown off by sleet, snow, or icy road conditions. In this section, we’ll cover the highways and interstates and everything else you need to know about driving in St. Paul.

Major Highways in St. Paul

Rush hour in St. Paul can be stressful for drivers taking 1-35E, I-94, or US 52.

Certain sections of the roadway are prone to flooding. There are 10 busy stretches of road within the Minneapolis-St. Paul metro area.

  • Interstate 35E southbound, Larpenteur Avenue to downtown St. Paul
  • Interstate 694 eastbound, between Interstate 35W and Lexington Avenue
  • Interstate 94 eastbound, heading into downtown St. Paul
  • I-35E northbound, heading out of downtown St. Paul
  • I-35E northbound, between Interstate 494 and the Mississippi River
  • I-94 westbound, between Mounds Boulevard and Marion Street
  • I-35W northbound, between Minnesota Highway 36 and I-694
  • I-35E southbound, between I-694 and Larpenteur Avenue
  • MN-36 eastbound, from I-35W to Lexington Avenue
  • MN-36 westbound, from I-35E to Snelling Avenue

In 2017, parts of the highway sections above were congested for up to seven hours per day. If possible, avoid traveling at peak times of the day (like the morning and evening commutes) to limit the time you have to spend in traffic.

A few of the toll bridgers you may encounter in Minnesota are the International Falls Bridge and the Fargo-Moorhead Toll Bridge. Neither of these toll roads runs through St. Paul, but consider purchasing an MnPass to keep you covered in the Twin Cities.

Vehicles in St. Paul

Your insurance rates are also dependent on vehicular factors such as what car you drive and if this vehicle is prone to theft. In this section, we’ll cover topics pertaining to vehicle theft and more.

Most Popular Vehicles Owned

According to Your Mechanic, the most popular car in Minnesota is the Ford F-150. In a sense, the Ford F-150 has captured the hearts of many American cities because it is a practical vehicle. This video explains the Ford F-150’s available safety features:

Folks in the Twin Cities may love this truck for its utility and storage, but the parts are not grade-A materials. The interior includes many plastic parts. In St. Paul, the average household has two vehicles.

Vehicle Theft in St. Paul

According to the FBI, 2,084 vehicle thefts occurred in St. Paul in 2017. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently than others, and thus may have higher insurance rates.

Statistics provided by Neighborhood Scout indicate that St. Paul ranks as being safer than 7 percent of U.S. cities. Your chances of becoming a victim of violent crime in Phoenix, on the whole, are one in 151, which is higher than the average across Minnesota.

Don’t let those stats alarm you. There are numerous safe neighborhoods in the Twin Cities area. The video below explains where:

Whether you live in a neighborhood that’s not so safe, or in a neighborhood where there are no issues, it’s always a good idea to have extra coverage on your vehicles to protect your investment.

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Unique St. Paul Laws

Following many unnecessary deaths in the Minneapolis-St. Paul area, Minnesota has imposed unusual crosswalk laws. The new crosswalk law states that pedestrians have the right-of-way at every corner, marked or unmarked.

What insurance coverage is needed for food trucks in Minnesota? Food truck owners need the following types of liability insurance: public, food products, property damage insurance, and bodily injury insurance.

The minimum amount you need to carry is one million dollars per occurrence. Also, you’ll need to carry workers’ compensation insurance in Minnesota to have others perform food services in your truck.

If you want to follow the latest trends, it’s best to be informed about the insurance you need to do so. What tiny home coverage do you need in Minnesota? The law dictates owners should follow NOAH certification, as well as insuring their homes during the building phase, when the home is being towed, and when it is parked.

Now that you’ve read through this comprehensive guide and know everything there is to know about St. Paul, MN, car insurance it’s time to hit the road. Enter your ZIP code below to get a free car insurance quote comparison.

Frequently Asked Questions: St. Paul, MN, Car Insurance

We’ve covered a lot of ground in this comprehensive guide to car insurance in St. Paul, but you may still have some questions. Our last section looks at some commonly asked questions about this great city.

#1 – Is The General Insurance available in MN?

Yes. The General helps high-risk drivers in Minnesota get insurance.

#2 – How do I keep track of road closures near St. Paul?

St.Paul’s government website offers real-time traffic and weather conditions online for your convenience. You can also enter start and ending addresses, and this tool will help you map your route.

#3 – What are Minnesota’s penalties for driving without insurance?

The penalties for driving without proof of insurance in Minnesota consist of a $200 to $500 fine and/or imprisonment for one year or less. You could also face a license suspension of 30 days or until you provide proof of insurance.

#4 – What are some car insurance companies available in Minnesota?

All of the big companies, like Allstate Insurance and Geico, are available in MN. There are also small companies such as North Star auto insurance available.

#5 – What is the best health insurance in Minnesota?

Top health insurance providers in Minnesota include United Healthcare and HealthPartners.