Buy Cheap South St. Paul, MN Auto Insurance (2022)

South St. Paul, MN auto insurance rates average $416 a month. Minimum auto insurance requirements in South St. Paul, Minnesota are 30/60/10 to comply with Minnesota laws. To buy cheap auto insurance in South St. Paul, MN, compare South St. Paul auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in South St. Paul, MN after a DUI are $6,826/year
  • The most expensive auto insurance company in South St. Paul after a DUI is Liberty Mutual
  • Average auto insurance rates in South St. Paul, MN are $416/month

Finding affordable South St. Paul, Minnesota auto insurance can be challenging, but everything you need to know to buy cheap South St. Paul, MN auto insurance with confidence is right here. Auto insurance rates in South St. Paul are affected by local factors as well as personal ones like your driving record.

See how South St. Paul, MN car insurance rates compare to Duluth auto insurance rates, St. Paul auto insurance rates, and Rochester auto insurance rates before you read more about the cost of auto insurance in South St. Paul.

Don’t buy South St. Paul, MN auto insurance until you’ve compared rates. Get free South St. Paul, Minnesota auto insurance quotes when you enter your ZIP code above.

South St. Paul, MN Minimum Auto Insurance Requirements

The required auto insurance in South St. Paul, MN is 30/60/10 according to the auto insurance laws in Minnesota. The minimum auto insurance in South St. Paul, Minnesota is outlined here.

Minimum Required Auto Insurance Coverage in South 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

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Find Cheap South St. Paul, MN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in South St. Paul, MN. Take a look at South St. Paul, Minnesota auto insurance rates by credit history.

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

Insurance Company Poor Fair Good
Allstate $7,794 $4,249 $3,951
American Family $5,606 $3,599 $2,853
Farmers $4,822 $3,469 $3,238
GEICO $3,893 $3,188 $2,653
Liberty Mutual $19,942 $12,907 $10,094
Nationwide $4,219 $3,411 $3,010
State Farm $3,892 $2,378 $1,733
USAA $4,628 $2,307 $2,028

Buy Cheap South St. Paul, MN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect South St. Paul, Minnesota auto insurance rates? Find out how car insurance rates in South St. Paul, MN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in South 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 $3,562 $3,562 $3,448 $3,448 $8,124 $11,637 $4,345 $4,524
American Family $2,537 $2,537 $2,307 $2,307 $7,044 $10,052 $2,537 $2,835
Farmers $2,482 $2,470 $2,378 $2,519 $7,261 $7,282 $3,250 $3,102
GEICO $2,403 $2,378 $2,282 $2,218 $5,338 $6,732 $2,245 $2,361
Liberty Mutual $10,275 $10,275 $10,178 $10,178 $19,771 $29,439 $10,275 $14,123
Nationwide $2,316 $2,310 $2,066 $2,180 $6,288 $7,590 $2,763 $2,861
State Farm $1,930 $1,930 $1,754 $1,754 $4,464 $5,446 $2,232 $1,834
USAA $1,948 $1,909 $1,791 $1,762 $5,427 $5,879 $2,531 $2,656

Buy Cheap South St. Paul, MN Auto Insurance for Teen Drivers

Auto insurance for teenagers in South St. Paul can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in South St. Paul, MN are listed here.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,124 $11,637
American Family $7,044 $10,052
Farmers $7,261 $7,282
GEICO $5,338 $6,732
Liberty Mutual $19,771 $29,439
Nationwide $6,288 $7,590
State Farm $4,464 $5,446
USAA $5,427 $5,879

Buy Cheap South St. Paul, MN Auto Insurance for Seniors

You can save on senior auto insurance rates in South St. Paul, Minnesota by comparing South St. Paul senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in South St. Paul, MN here.

Annual Auto Insurance Rates for Senior Drivers in South St. Paul, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,448 $3,448
American Family $2,307 $2,307
Farmers $2,378 $2,519
GEICO $2,282 $2,218
Liberty Mutual $10,178 $10,178
Nationwide $2,066 $2,180
State Farm $1,754 $1,754
USAA $1,791 $1,762

Find Cheap Auto Insurance Rates in South St. Paul, MN by Coverage Level

The amount of coverage you choose is a big factor in the cost of South St. Paul, Minnesota auto insurance. Compare South St. Paul, MN auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $5,238 $5,328 $5,428
American Family $4,004 $4,129 $3,926
Farmers $3,692 $3,860 $3,978
GEICO $3,109 $3,245 $3,381
Liberty Mutual $13,868 $14,332 $14,743
Nationwide $3,328 $3,578 $3,734
State Farm $2,542 $2,682 $2,780
USAA $2,885 $2,986 $3,092

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Find Cheap South St. Paul, MN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in South St. Paul. Compare auto insurance rates in South St. Paul, MN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in South St. Paul, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,331 $5,331
American Family $3,973 $4,066
Farmers $3,843 $3,843
GEICO $3,200 $3,290
Liberty Mutual $13,908 $14,721
Nationwide $3,547 $3,547
State Farm $2,592 $2,744
USAA $2,949 $3,026

Find Cheap South St. Paul, MN Auto Insurance Rates by Driving Record

Auto insurance rates in South St. Paul, Minnesota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in South St. Paul, MN, take a look at the average cost for various violations versus rates for a clean driving record in South St. Paul.

Annual South St. Paul, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,815 $5,637 $6,802 $5,071
American Family $2,721 $4,790 $5,484 $3,083
Farmers $3,283 $4,165 $4,225 $3,699
GEICO $2,176 $3,427 $5,044 $2,331
Liberty Mutual $10,197 $14,235 $21,834 $10,990
Nationwide $2,834 $3,734 $4,276 $3,342
State Farm $2,424 $2,912 $2,668 $2,668
USAA $2,210 $2,839 $4,276 $2,627

Find Cheap South St. Paul, MN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in South St. Paul, Minnesota is higher than for a clean driving record. You can buy auto insurance after a DUI in South St. Paul for less when you shop around and compare rates from multiple South St. Paul, MN auto insurance companies.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,802
American Family $5,484
Farmers $4,225
GEICO $5,044
Liberty Mutual $21,834
Nationwide $4,276
State Farm $2,668
USAA $4,276

Winners by Category: Where to Buy Cheap Auto Insurance in South St. Paul, MN

Compare rates from the cheapest auto insurance companies in South St. Paul, MN for your needs. Take a look at how South St. Paul, Minnesota auto insurance companies stack up for each category.

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

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

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Find Cheap South St. Paul, Minnesota Auto Insurance Companies

If you’re looking for the cheapest South St. Paul, MN auto insurance companies overall, you can compare them here. Find the best price for South St. Paul, Minnesota car insurance by company.

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

Insurance Company Average Annual Rates
Allstate $5,331
American Family $4,019
Farmers $3,843
GEICO $3,245
Liberty Mutual $14,314
Nationwide $3,547
State Farm $2,668
USAA $2,988

What affects South St. Paul, Minnesota auto insurance rates?

Local factors affect auto insurance rates in South St. Paul, MN, including traffic, theft statistics, and commute length. Take a look at the things that impact South St. Paul auto insurance rates.

Commute Times in South St. Paul

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in South St. Paul, MN is 20.2 minutes according to City-Data.

Compare Auto Insurance Quotes in South St. Paul, MN

You can buy cheap South St. Paul, MN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free South St. Paul, Minnesota auto insurance quotes from top companies.

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