St Paul Car Insurance

How much does car insurance cost in St. Paul, MN? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Saint Paul?

St. Paul is a fun, family-friendly town that forms one-half of the area’s twin cities. Its sister city, Minneapolis, is a trendy, urban area filled with scenic hot spots, great shopping, and breweries. But it’s St. Paul, which has the fun attractions like the Walker Art Center, Guthrie Theater, Fort Snelling and the Minnesota Zoo.

Residents can use the Metro Transit System to explore the Minneapolis-St. Paul area; however, it’s always great to have a car to finish errands and visit St. Paul’s many cultural attractions.

Are you a St. Paul resident in the market for a new vehicle or better car insurance prices? SmartFinancial can help you find an affordable policy to cover your automobile. With over 200 providers in their network, you’re bound to find the right coverage.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Minnesota has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Saint Paul typically pay around $127.43 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Minnesota $113.11
Saint Paul, Minnesota $127.43

Saint Paul, MN Best Car Insurance Companies

car insurance in Saint Paul

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Saint Paul coming in around $110.36 per month. Other companies to consider if you live in Saint Paul is State Farm with an average cost of $112.13 per month and Safeco which typically runs around $118.71 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Saint Paul.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $110.36-2.43%
2 State Farm $112.13-0.86%
3 Safeco $118.714.95%
4 Auto-Owners Insurance Co $122.748.51%
5 Farm Bureau Mutual (IA Group) $127.1612.42%
6 West Bend Mutual $137.3221.40%
7 American Family $143.1226.54%
8 Liberty Mutual $168.7049.15%
9 Western National $184.2562.90%
10 National Farmers Union P&C $185.1563.69%

How Much is Car Insurance in Saint Paul, MN?

how much is auto insurance in Saint Paul

Rates can vary from city to city. The residents of Duluth typically pay $93.74 per month while people who live in Eden Prairie will pay $100.57 per month on average. See what people pay for car insurance in other cities in Minnesota.

Minnesota CitiesMonthly Average Rate
Duluth $93.74
Eden Prairie $100.57
Mankato $102.98
Maple Plain$92.97
Minneapolis $126.65
Moorhead $109.31
Rochester $102.65
Saint Cloud $110.73
Saint Paul $127.43

Cheap Car Insurance in Saint Paul by Zip Codes

find cheap auto insurance in Saint Paul

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Minnesota. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Saint Paul, MN ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Saint Paul

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $199.05 per month in Saint Paul. Compare that to drivers in their 30’s who typically pay around $125.50 per month drivers in their 40s at $136.67 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Saint Paul

If you are teen in Saint Paul you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, National Farmers Union P&C typically charges around $171.92 per month. This is likely the most affordable option in Saint Paul. You might also want to consider State Farm and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
National Farmers Union P&C$171.92
State Farm$182.73
Auto-Owners Insurance Co$185.77
Farm Bureau Mutual (IA Group)$209.53

Cheapest Insurance for 20 Year-olds in Saint Paul

20 year-olds in Saint Paul might want to consider Safeco who, on average, offers car insurance rates around $125.88 per month. USAA , State Farm , Auto-Owners Insurance Co and Farm Bureau Mutual (IA Group) are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$140.71
Auto-Owners Insurance Co$150.86
Farm Bureau Mutual (IA Group)$164.53

Cheapest Insurance for 30 Year-olds in Saint Paul

If you are in your 30s in Saint Paul our research has found that USAA typically has the most affordable coverage coming in around $97.82 per month, followed by State Farm at $104.97 and Auto-Owners Insurance Co at $111.26.

CompanyAverage Monthly Rate
State Farm$104.97
Auto-Owners Insurance Co$111.26
Farm Bureau Mutual (IA Group)$117.41

Cheapest Insurance for 40 Year-olds in Saint Paul

On average, USAA offers car insurance for 40 year-olds in Saint Paul for around $100.38 per month. If you are looking for affordable coverage, you may also want to consider State Farm or West Bend Mutual. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$115.17
West Bend Mutual$119.54
Farm Bureau Mutual (IA Group)$129.91
Auto-Owners Insurance Co$130.91

Cheapest Insurance for 50 Year-olds in Saint Paul

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Saint Paul we found that USAA generally offers the most affordable coverage at $80.77 per month.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$93.97
State Farm$94.55
Farm Bureau Mutual (IA Group)$96.70
West Bend Mutual$101.90

Cheapest Insurance for 60 Year-olds in Saint Paul

If you live in Saint Paul and you’re in your 60s, our data indicates that USAA usually has the best rates at $92.03 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$99.27
Auto-Owners Insurance Co$105.81
Farm Bureau Mutual (IA Group)$108.06
West Bend Mutual$110.53

Driver's Coverage Auto Insurance Rates in Saint Paul, MN

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Saint Paul, the average monthly rate for a driver who is currently insured is $127.34 while drivers who are not currently covered will pay around $127.64.

CoverageAverage Monthly Rate
Not Currently Insured $127.64
Currently Insured $127.34

Compare Recent Car Insurance Quotes in Saint Paul

auto insurance quotes in Saint Paul city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Saint Paul a driver of a 2009 Mitsubishi Lancer can expect to pay around $156.07 per month while someone that owns a 2020 Ford Escape may pay around $73.67 per month. Check out the list of recent quotes in Saint Paul below.

VehicleAverage Monthly Rate
2009 Mitsubishi Lancer$156.07
2020 Ford Escape$73.67
1999 Lexus GS$153.32
2013 Audi Q5$138.33
2020 Ford F150$80.97
2017 Kia Forte$118.00
2016 Toyota Sequoia$72.27
2004 Mercury Grand Marquis$118.17
2020 Chevrolet Corvette$148.30
2011 Honda Accord$76.47

FAQ's for Drivers in Saint Paul, MN

driver’s frequently asked question in Saint Paul

What Is the Minimum Car Insurance Coverage Requirement in St. Paul?

Auto insurance protects drivers from the financial costs of an accident or injuries they may suffer or cause to others. The state of Minnesota requires liability auto insurance. If you have a car loan, lenders may also require you to purchase comprehensive and collision coverage.

Minnesota has a no-fault insurance system and the No-Fault Automobile Insurance Act requires residents and non-residents to carry minimum insurance coverage to protect against economic losses and automobile liability coverage. The following coverages are required.

  • $30,000 per person bodily injury liability coverages

  • $60,000 total bodily injury liability coverage per accident

  • $40,000 personal injury protection (PIP)

  • $25,000 per person/$50,000 per accident uninsured/underinsured motorist coverage

The state’s minimum coverage may not be enough to protect your assets or pay for your medical expenses if you have an accident. Consider buying additional coverage to protect yourself financially. SmartFinancial can help you find better insurance at more affordable rates. Just enter your zip code, answer some simple questions and we’ll connect you with local insurers in your area.

What Is the Blood Alcohol Concentration (BAC) Limit in St. Paul?

Under Minnesota Law, drivers who operate a vehicle while impaired by drugs, alcohol, or controlled substances can receive a Driving While Impaired (DWI) charge. The legal limit in St. Paul is:

  • .08 percent BAC (non-commercial drivers)

  • .04 percent BAC (commercial drivers)

Additionally, individuals can be charged with DWI crimes if they operate snowmobiles, all-terrain vehicles, motorcycles or motorboats with the above BAC levels or higher. Refusal to take a sobriety test can also result in an automatic suspension of one’s license.

Are you a St. Paul resident that received a DWI offense? Unfortunately, a conviction can dramatically affect your insurance premiums. Let SmartFinancial help. Complete our questionnaire, and we'll provide you with rates from insurance companies within your area.

Can I Register My Car Without Insurance in St. Paul?

No, you can’t register a car without insurance in St. Paul. The Minnesota No-Fault Act (Minnesota Statutes 65B.48) requires motor vehicle owners to maintain “no-fault insurance.” It means that it’s a crime for individuals to drive an uninsured motor vehicle or motorcycle on public roads or highways.

Drivers who break the law can receive fines, imprisonment and revocation of their driving privileges. Minnesota Statutes 169.791 requires citizens to provide officers with proof of insurance upon demand.

What is uninsured motorist coverage and is it required in Minnesota?

Yes. Both uninsured and underinsured motorist coverage is required in Minnesota. This type of insurance protects you in the event of an accident where the other party is at fault and is uninsured or doesn’t carry enough insurance. State minimum requirements for uninsured coverage are in the amounts of $25,000 for injuries to one person and $50,000 for injuries to two or more people per accident; state minimum requirements for underinsured motorist coverage are in the same amounts.

Check Out Other Rates in St Paul, MN Nearby Cities:

Maplewood, MN

Minneapolis, MN

Woodbury, MN


Commute Time in Saint Paul, MN

23.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Saint Paul, MN


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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