Saint Paul Rates for Car Insurance

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Joel Ohman
Founder, CFP®

UPDATED: Sep 8, 2016

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

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...

  • Saint Paul, MN requires more coverage
  • Know what influences your rates in this city
  • Don’t go with the first quote from a car insurance company

If you are moving to Saint Paul, the auto insurance rates will be different than you’re used to. There are always new laws and surprises around each corner as you shop and compare prices.

Know the Factors

Factors written on a chalkboard

The following factors affect your policy and the rate you are quoted: age, credit rating, driving record, marital status, gender, grades, type of vehicle, and zip code.

Make sure you get accurate quotes that are tailored to your profile. Don’t go with the first quote.

Once you have enough knowledge about the market and the going rates, you’ll be in a better position to make a decision. We’ve listed some information below that we hope will be helpful in your hunt for Saint Paul car insurance.

Enter your ZIP code into our FREE search to compare auto insurance companies!

Make Note of Specific Information

Saint Paul car insurance agents will help you sign up for a policy. However, you must ensure that you’ll find the right deal before you sign up. Most agents focus on just a few policies from just a few companies. There are just too many details to remember.

In addition, there are incentives — such as commission — that drive agents to sign people up for policies of certain types or from a certain company.

The insurance policy you get may bring a smile to the agent’s face but may not be such a great deal for you. Remember to compare the different discounts between companies!

Stringent Requirements

A binder labeled "requirements".

Because Saint Paul is in the state of Minnesota, its minimum requirements for car insurance are the same as those for the state.
Saint Paul car insurance will require a bit more coverage than many other places in the USA.

An individual is required to have liability insurance, which includes:

Insurance Types Defined

The car insurance coverage is for the policyholder named on the policy and any relatives living in the same home. This includes spouse and children. If a driver uses your car with your permission, they are covered by your policy, if not covered by another one.

Personal Injury Protection is also called No Fault Coverage. As is stated in the policy, it can cover medical expenses, lost wages, and replacement services.

Liability is there to cover claims from another vehicle and damage caused when it was your fault.

Uninsured Coverage will cover you when it is another driver’s fault and their liability insurance is insufficient. Uninsured will also cover your medical expenses when it is the other driver’s fault, but your Personal Injury Protection has been exhausted.

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Specific Numbers for Saint Paul

Both Collision Insurance and Comprehensive are optional in the state of Minnesota and when purchasing Saint Paul car insurance.

The minimums for each of the four types of Minnesota car insurance are:

  • Liability Insurance
    • $30,000 to cover one person
    • $60,000 to cover two or more persons
    • $10,000 to cover injury to property, including the other person’s vehicle
  • Personal Injury Protection
    • $40,000
  • Uninsured
    • $25,000 to cover one person
    • $50,000 to cover two or more persons
  • Underinsured
    • $25,000 to cover one person
    • $50,000 to cover two or more persons

When an Accident Occurs

Drivers exchanging information after an accident.

If you are involved in a car accident, you should:

  • Write down the pertinent information about the other driver: name, insurance company, policy number, and license plate number.
  • Write down the names, addresses, and phone numbers of witnesses to the accident.
  • Contact your agent or the number on your policy for dealing with claims.
  • Call the insurance company of the other driver if you want to file a claim against them.

The right to have Saint Paul car insurance and be covered is not guaranteed if you pile up moving violations. The state uses a point system. Receiving tickets, as well as committing a felony with your vehicle, can put enough points on your record to prevent your insurance policy from being renewed.

Dangers on the Road

Fatal accidents for St. Paul, Minnesota in 2009

  • 10 fatal accidents
  • 16 vehicles involved
  • Eight with drunk drivers at fault
  • 10 total fatalities occurred

Fatal accidents for Minnesota in 2009

  • 70 fatal accidents
  • 110 vehicles involved
  • 26 with drunk drivers at fault
  • 76 total fatalities occurred

Car Insurance Providers

There are several national insurance companies, and most of them are licensed to operate in the state of Minnesota. Here are a few: AAA Insurance, Allstate Insurance, American Family Insurance, Geico, Farmers Insurance, and more.

There are many more companies, but this list will give you a start. Remember that these companies usually cater to certain groups. If you are not in those groups, they may not be able to offer you good coverage or a good deal.

The numbers can quickly get confusing — especially with Minnesota car insurance — and you may forget the prices and coverage stated. Even if your policy is supposed to be a simple one, the quotes will not be so simple to remember.

The Cost of Insurance

Stacks of coins next to a calculator

The average monthly rate for car insurance nationwide was $146 in February of 2010. In Minnesota, it was two dollars higher at $148 per month.

Here are some other average costs for Minnesota coverage:

  • Avg. Liability – about $410 annually
  • Avg. Collision Coverage Cost – about $195 annually
  • Avg. Comprehensive Coverage Cost – about $158 annually
  • Avg. Combined Premium Cost – about $763 annually

Make Comparisons on Saint Paul Car Insurance

Did you know that married people usually pay more than single people?

Did you know that if you are in school, your grades can have an effect on your policy price?

Also, despite the fact that you may be a very careful driver, if you live in a zip code that has high claims, you will have to pay more.

The amount of time you spend driving and the distance you go can also matter, and the type of car you own will have an impact on your insurance rates.

If you drive one of the top stolen cars in the country, this will surely affect your insurance premium if you decide to insure against theft.

Get Several Quotes


Saint Paul car insurance can be a relatively easy choice and a successful project if you are a diligent shopper.

Remember: Be sure to write the quotes you are given and take the time to get several quotes so you have enough to compare.

The first quote you get will probably not be the best one for you.

After you ask the right questions and confirm that the quote is taking your specific qualities into account, you can feel confident to make a decision. Then the worrying will be over, and you drive both carefully and confidently.

Compare car insurance quotes by entering your ZIP code!

Free Car Insurance Comparison

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