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

St. Paul, MN auto insurance rates average $498 a month. Minimum auto insurance requirements in St. Paul, Minnesota are 30/60/10 to comply with Minnesota laws. To buy cheap auto insurance in St. Paul, MN, compare 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 St. Paul, MN for teens drivers are $9,458/year
  • Average auto insurance rates in St. Paul, MN after a DUI are $8,255/year
  • The most expensive auto insurance company in St. Paul after a DUI is Liberty Mutual

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

See how St. Paul, MN car insurance rates compare to Maple Grove auto insurance rates, Woodbury auto insurance rates, and Bloomington auto insurance rates before you read more about the cost of auto insurance in St. Paul.

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

St. Paul, MN Minimum Auto Insurance Requirements

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

Minimum Required Auto 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

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

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

Annual Auto 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

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

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

Annual Auto 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

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

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

Annual Auto 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

Buy Cheap St. Paul, MN Auto Insurance for Seniors

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

Annual Auto 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

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

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

Annual Auto 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

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

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

Annual Auto 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

Find Cheap St. Paul, MN Auto Insurance Rates by ZIP Code

Auto insurance rates in St. Paul, Minnesota can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in St. Paul, MN to see how much where you live in St. Paul affects the cost of car insurance.

Annual Auto 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

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

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

Annual St. Paul, Minnesota Auto 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

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

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

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

Insurance Company Annual Auto 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

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

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

Best Annual Auto 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

Find Cheap St. Paul, Minnesota Auto Insurance Companies

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

Average Annual Auto 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

What affects St. Paul, Minnesota auto insurance rates?

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

Commute Times in St. Paul

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in St. Paul, MN is 22.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in St. Paul, MN

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

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